23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/XXXX I called Wells Fargo dealer services to pay my past due amounts to get me caught up to date I had lost XXXX XXXX as I am XXXX and was unable to make my payments due to loss of income they refuse to accept my past due payments by telling me that had I called two days earlier they would not have charged off my account and would have accepted my payment then now that my account is in charge off status they can no longer accept my payments I have called them five times trying to speak to an executive they refused to give me a name or phone number for an executive they refuse to reverse the charge off even though it was only a two day difference and that I did offer to pay all of my past due amount owed They offered a settlement for an amount of {$1700.00} per month for four months but I told them there is no way I can pay that kind of money and I begged them to please lower the amount that will help me with my financial situation and my hardship with my self-employment and loss of income but they refused to help me All I want to do was pay all of my past due payments of three months so I can get back into my monthly payments I can not afford to lose my car it is my life. I have never received anything in writing from this company that this charge off would be happening they have not contacted me at all with a letter either mailed or certified they claim they tried to reach us by telephone but never succeeded theyve never left messages on my telephone id they did call so to me they did not try to contact me to tell Me this would be happening and to offer me to get my payments paid on time before the charge off I dont think its fair that they did not contact me in writing or speak to me by telephone
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with ALLY FINANCIAL. 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 stellar payment record with this company. I tried contacting both XXXX, XXXX and ALLY FINANCIAL with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit card or prepaid card

Barclays US - I signed up for Barclays last year under a XXXX point sign up bonus under which I am to spend {$5000.00} in the span of 3 months to receive. 

However, Barclays negligently mishandled my account and applied the WRONG social security number onto my account. We found this out about 2 months in. At which point Barclays LOCKED my account. 

-I had no access to my account, no access through the website and virtually no access to the account through the phone. 

During this time, -I can not use the card -I can not make payments to the card However during this time, Barclays continues to charge me late fees on an account I am not allowed to access or make payments to. 
I submitted all required forms of verification documents, including drivers license, social security card, etc. 
I submitted all such documentation approximately 5-6 times through the fax numbers provided by Barclays. Barclays took an exorbitant amount of time to solve the issue they created when one of Barclays employee 's mishandled my account and it's social security number. 
During this time I incurred late fees totaling : {$170.00} After the account was restored to normal status. I am left with a {$170.00} charge in late fees, the accompanying late payment reports on my credit report, destroying my credit score of over 800, and Barclays refuses to give me the XXXX points which I did spend over {$5000.00} for, after access to my account was restored. XXXX points is equal to {$700.00} in direct value and can be worth over {$1000.00}. 

Barclays messed up and charged me money for it.
Product: Payday loan, title loan, or personal loan

A loan ( line of credit ) was established with BANK OF AMERICA in XXXX XXXX shortly before the housing crisis in XXXX. Many went under through no fault of there on and others managed to struggle on. I am one of the strugglers who never really recovered but, refused to quit. Some how through the years all of the vendors, creditors, and people owed we were able to pay, except BANK OF AMERICA. Minimal payments were made and multiple request for a payment plan or interest reduction or something that would remedy the situation. Even though they were bailed out they would do nothing to remedy a situation that they helped to create. Now, almost 12 years later XXXX in interest on a balance that remained the same I/WE ask for your help. ACCOUNT XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Debt collection

I am extremely dissatisfied with your failure to remove all fraudulent accounts from my credit report, unlike XXXX 's compliance. The discrepancies persisting on my report are unacceptable. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. 
I demand immediate action to remove the remaining fraudulent accounts, including XXXX XXXX XXXX XXXX, as XXXX has done.
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN XXXX DAYS, INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

These accounts were specifically XXXX XXXX XXXX was removed from my credit report XXXX weeks ago. The fact that XXXX XXXX XXXX added this XXXX account back to my Transunion report XXXX beyond me. This account is fraudulent and illegal and needs to be removed for the last final time. THis is illegal for not only the original creditor but for the credit bureaus to remove and readd back to my credit profiles. remove this illegal account of my report for the last time XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$7700.00} These accounts below are also illegal and were never authorized in my name. Please remove the rest of these accounts before further action will be taken. I am a victim of identity theft. 


XXXX XXXX XXXX {$16000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$62.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), consumer reporting agencies like XXXX, Equifax and XXXX have a legal duty to handle consumer information with fairness, impartiality, and respect for privacy. As a consumer, I have the right to protect my private information from being shared, as reinforced by 15 USC 6801, which states that financial institutions must safeguard the security and confidentiality of customers ' nonpublic personal information.

Under 15 USC 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency can only provide a consumer report if they have written consent from the consumer. I have not given Equifax, XXXX, XXXX or any financial institution ( furnisher of information ) my written consent to share my information. Any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that a financial institution can not share nonpublic personal information with a nonaffiliated third party unless the consumer is informed of their right to opt out. I was never notified of this right. Additionally, under 15 USC 1681c ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information in a report if it is older than seven years, except for criminal convictions. The reporting of this account is an adverse action and is being done unlawfully.

15 USC 1681s-2 ( A ) ( 1 ) ( A ) prohibits any entity from furnishing inaccurate information to consumer reporting agencies. Additionally, 15 USC 1681e requires consumer reporting agencies to establish reasonable procedures to prevent violations of 1681c and ensure reports are only furnished for legally authorized purposes. XXXX, Equifax and XXXX are failing to comply with these obligations. 

Finally, under 12 CFR 1016.7, I have the right to opt out of information sharing at any time. I am formally exercising my right to opt out of your reporting services.
Product: Credit reporting or other personal consumer reports

Account incorrectly marked as late, but payments were always on time. Records confirm no late payments. Please verify and correct this error immediately. Requesting review by a live agent to resolve.
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 sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While searching for mortgages to buy a house, it was discovered that my XXXX Score-2 was less than adequate. It seems that Wells Fargo has stopped reporting that I pay my student loans to the credit reporting companies. The last report was made on XX/XX/2018. I have continued to pay, but the non-reporting by Wells Fargo shows delinquent payments on my credit report. I have disputed these claims against me multiple times via XXXX. Over three years of paying Wells Fargo for my student loans and they have not reported the payments, tanking my credit. Wells Fargo has sold their student to XXXX, whom I have not heard from to service the payment of my student loans.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed this account several time and submitted the corespondance from said company stating they were removing the account from the bureaus, XXXX  and XXXX  have already removed it yet Experian refuses to follow suite
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Chex systems a bout two weeks ago to let them know that incorrect an d improper information was being reported in my consumer file with them. I also provided them with a letter that the original institution wrote me. The letter stated that all information was to be deleted and what was reported was incorrect. I received notification today that Chex systems will not deleted the information claiming it 's correct and accurate. I attempted to reach their customer relations team who told me that they will not delete the information regardless of what I 've provided and that it will stay on my file. They told me they had the letter I provided the credit union wrote to me but still refuse to update the information and delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Target Card Services agreed to and email a 48 month payment plan on XX/XX/XXXX. On XX/XX/XXXX, I attempted to make payment on XXXX online website. I have had access since XXXX but was denied access. I used XXXX XXXX Bill Pay to forward the agreed upon payment amount XXXX and received charge off on XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. And have unauthorized INQUIRIES on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Since the beginning of XX/XX/2024 to XX/XX/2024, I have received a total of 21 emails from Capital one requesting payment. I called last year and closed the card and told them I would handle payment when my XXXX started ( still pending ). A total of 10 emails XXXX, XXXX emails in XXXX and so far 2 emails in XXXX.
Product: Credit reporting or other personal consumer reports

Pursuant to the FCRA ( Fair Credit Reporting Act ), it is the duty of EXPERIAN to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting XXXX inaccurate late payment for the XXXX XXXXXXXX account beginning in XXXX. This includes a 30 DAY late payment posted in XX/XX/XXXX ( SEE EXHIBITS A-1 & A-2 Attached. This is incorrect and is supposed to be reported as PAID AS AGREED or have a rating of OK. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to EXPERIAN via written letters to remove this inaccurate and false reporting of late payments on XXXX XX/XX/XXXX ( Certified Mail # XXXX ), XXXX XX/XX/XXXX ( Certified Mail # XXXX ), as well as a previous CFPB complaint on XXXX XX/XX/XXXX ( # XXXX ), however they have continued to ignore my requests. While XXXX ( SEE EXHIBITS A-1, A-2, & B-1 Attached ) and XXXX ( SEE EXHIBITS A-1 & B-1 ) have both CORRECTLY reported this account on my consumer report, EXPERIAN has yet to update and remove these late payments from my consumer report ( SEE EXHIBIT A-1, A-2, & B Attached ). XXXX and XXXX have clearly verified the accuracy of my credit report while EXPERIAN only claims it has yet, there are still false and negative inaccuracies in my report. It is because of this inaccuracy that is causing my wife and myself an enormous amount of mental stress, anxiety, and pain. I fear that if these inaccurate late payments arent removed soon, that we will be homeless due to these negative and false reporting methods from EXPERIAN.
Product: Debt collection

Westlake Financial Services is attempting to collect an alleged debt that is unvalidated pursuant to 15 USC 1692g, furthermore Westlake Financial Services did not give me notice of my right to dispute the alleged debt pursuant to 15 USC 1692g ( 3 ). I am the consumer and the only one that can validate my obligation to any alleged debt pursuant to 15 USC 1692g, I have requested that Westlake Financial cease and desist all communications with me in relation to the alleged debt pursuant to 15 USC 1692c ( c ). I have also requested the name and address of the original creditor to whom the alleged debt is owed pursuant to 15 USC 1692g ( b ).
Product: Credit reporting or other personal consumer reports

I accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account with out my written instructions. Under 15 USCS 1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The account in which I am referring to is CREDIT ACCEPTANCE CORPOR
Product: Credit reporting or other personal consumer reports

Someone tried to use my credit without my consent all on the same day for some type of financing. Before this I had XXXX ABSOLUTELY XXXX HARD INQUIRIES. Please help remove this fraud off of my ACCOUNT PLEASE!!! 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

First, payments were deducted in triple and double amounts. Then, when I canceled auto payments and asked for a payment plan, was denied. 

Cut to two years later ( when they finally decided to get in touch with me ) I '' m all of a sudden being told that I can get on a payment plan - which I replied to - never got a response. Then I was told my debt was sold, and now I'm being threatened with wage garnishment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding XXXX Data Breach Lawsuit Settlement Dear CFPB Representatives, I am writing to express my dissatisfaction with the handling and outcomes of the XXXX data breach lawsuit settlement. As a consumer directly affected by this breach, I feel that XXXX has failed to adequately address the damage caused and has not provided appropriate restitution to those impacted. 

XXXX negligence in safeguarding sensitive personal data exposed millions of consumers, including myself, to identity theft and financial fraud risks. Despite their admitted responsibility for the breach, the settlement process has been deeply disappointing for the following reasons : 1. Insufficient Compensation : The cash payouts offered are inadequate compared to the financial and emotional harm caused by the breach. Many consumers have reported receiving minimal compensation despite experiencing significant disruption to their lives. 
2. Delays in Processing Claims : The settlement process has been fraught with delays, leaving consumers uncertain about the status of their claims and any potential resolutions. 
3. Lack of Accountability : XXXX ongoing operations appear unaffected, raising concerns about the companys accountability for the breach and whether sufficient measures have been implemented to prevent future incidents. 

As the agency responsible for ensuring fairness and transparency in consumer financial matters, I urge the CFPB to hold XXXX accountable for its actions and reassess the settlement process to ensure it truly addresses the harm inflicted upon consumers. 

I kindly request that the CFPB investigate these concerns and take steps to enforce stricter penalties and oversight for companies that compromise consumer trust and security. Additionally, I would appreciate any guidance or updates regarding my individual claim and the settlement process. 

Thank you for your attention to this matter. I look forward to your response and hope that steps will be taken to address these ongoing issues. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 RE : XXXX  Your Company as Violated my consumer rights. 

Your company has sent me a copy of some bills however that's not what I ask, once again by law 15 U S C 1681b Your company has no permission to report anything using my information.

15 U S C 1681, Section 604, Section 2, State a consumer reporting agency can not furnish a account with out my written instructions.

1. Your company have no written instructions 2. I did not give any permission 3. 15 USC 1681 Section 602 States I have the right to privacy.

4. 15 U.S.C 1692 C, Section C 5. I am demanding this account be deleted within 7 days.

Your company miss information as impact my consumer credit report which as cost me {$550000.00} it as come to my attention that your company as violated my consumer rights. 

Name is incorrect Address is incorrect Account incorrect Account incorrect I'm demanding that all inaccurate information be delete immediately I have attach a copy of the account in question that as my accurate information.

According to REGALATION F and 12 C.F.R 1006.1 SECTION 8e 15 U.S.C 6802 A, B. C and 15 U S C 6801 18 U S C 8 obligation or other security of the United States I owe no debt your company is in violation of my consumer right to privacy.

15 U S C 1681b Your company has no permission to report anything using my information pursuant to 15 U S C 1684, 4 According to 15 U S C 1681 S-2 Your company has a responsibilities of furnish of information to consumer reporting agencies, a person shall not furnish any information relating to a consumer reporting agencies if the person knows or has reasonable cause to believe that the information in inaccurate.

Your company has 7 days to delete all negative items, your company have reported false information and without permissible propose violating my consumer reports according to F.D.C.P.A a copy of this letter will be send to the C.F.P.B my state senator and I will file a law suit seeking damage for lost of opportunities that your company as cause damages.

Your company have violated my consumer rights reporting false information without XXXX your company have violated the consumer reporting act F.C.R.A, F.D.C.P.A, 15 U.S.C AND 12 C.F.R your company have 7 days to delete all negative miss information causing harm to my credit report.

XXXX XXXX XXXX
Product: Credit card or prepaid card

I received notice from Genesis FS Card Services that I owed them {$75.00} for a credit card I never applied for. Y The same day, I received a letter from them stating it appeared to be fraudulent activity on the account and the card was blocked. I called the company and was told to file a complaint with the FTC.