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

XXXX XXXX XXXX closed suddenly with no warnings to their customers. The leases were sold to another company. Westlake Portfolio LLC is who now owns my lease. I have not received any contractual information from this company. Although, Westlake did send a link to continue to pay for the vehicle. Ive called several times to have the contract information sent to me. On each occasion Ive been told something different by Westlake. The last call someone said give them between 7-10 days to have this information. It has now been well over 15 days since Westlake took over and they still have not sent me a contract or any other legal documents for my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having the hardest time trying to deal with Equifax. I have been in contact with them for the last 6 months. They have been trying to ignore me and stall this whole situation. XXXX  and XXXX  has removed these accounts because they violated my consumer rights. I demand that Equifax follow the law and to remove these inaccurate accounts from my credit report because they are violating my consumer rights. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit.

Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.

1. XXXX XXXX XXXX  2. XXXX XXXX XXXX 3. XXXX  4. DXXXX XXXX XXXX 5. XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX 


Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute the following information on my credit report. I have reviewed my credit report and found inaccurate information that I would like to have corrected. Below are the details of the disputed item : - **Account Name : ** XXXX XXXX  - **Account Number : ** XXXX - **Disputed Information : ** Disputed Information : Account Name : XXXX Bank Account XXXX XXXX Information : This account appears on my credit report, but I did not open this account. I have never applied for or used any credit account with XXXX Bank. Reason for Dispute : This account is fraudulent and was opened without my knowledge or consent. I am a victim of identity theft, and this account does not belong to me. 
- **Reason for Dispute : **I am disputing the XXXX account listed on my credit report because I did not open this account. I have never applied for or used any credit account with XXXX Bank. This account was opened fraudulently without my knowledge or consent. I am a victim of identity theft, and this account does not belong to me. I request that this account be removed from my credit report immediately to reflect accurate information. 

I have enclosed copies of [ describe any enclosed documents, such as a copy of your credit report with the disputed item circled, payment records, or other supporting documentation ] to support my dispute. Please investigate this matter and correct the inaccurate information as soon as possible. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

This company is trying to collect a debt thats already owned by a different debt collector which is against the law and is trying to charge a different amount which is against the law as well
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. I would like the following account to be investigated and the results of said investigation to be communicated in a timely fashion. 

Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX Account Number : XXXX Please verify this information and remove it from my report if inaccurate.
Product: Credit card

Ive have called the following credit card companys Avant, XXXX and XXXX several times in regards to my XXXX balance letter for my mortage lender and informed them without this document I will be homeless. I was told they would fax and I have to recieve a fax. I was also told from Avant that I would it via email and have yet to receive it.
Product: Checking or savings account

Today on XX/XX/2023.. i talked to someone on the XXXX about a service.. I requested XXXX $ from me to start.. when I sent to him by XXXX ( chase bank ) .. he tell me he want XXXX $ more .. i knew from that he scammed and stole my money and i tell him to send it back but he blocked me on the XXXX and he doesnt send it..
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Student loan

To whom it may concern, I would like to make a formal complaint against Navient and XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, MN XXXX @ XXXX Ref- Account XXXX. XXXX for the Amount of {$72000.00}. I do not owe Navient Anything. I've had an on going problem with Navient for several years with harassment and from all the collection agencies sent by Navient. Navient has Destroyed my Credit, I had a credit score of almost XXXX, before Navient Deliberately forced a Default on this Loan. I am Request to be released as Co-Singer on both loans for XXXX XXXX XXXX File # XXXX and XXXX XXXX XXXX XXXXFile # XXXX Case # XXXX. Navient Please contact both bowers, you have their information. CFPB what are my recourses, Navient, I have many on going Health issues, and the Harassment from Navient and Any and All  Collection agencies causing more Health issue and harm for me. I have documented the same issue of Harassment with Navient in the past with CFPB and the State of Conn File # XXXX Thanks XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX. 

Navient Default on my Loan Purposely, Destroying my Credit, Ruined my Life, I am also Request that the State of Connecticut Attorneys General and Consumer Financial Protection Bureau, to Investigate Navient and any Collection Agencies, and to also look into the business practices of Navient and its subsidiaries. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/2020 2020
Product: Payday loan, title loan, or personal loan

My payment was due on XX/XX/2021. However, because the terms and conditions of my credit agreement ( XXXX XXXX XXXX ) does not specify a specific time on the due date, I paid my bill at XXXX XXXX  pacific time on XX/XX/XXXX. However, Paypal translated this to XXXX XXXX  eastern time on XX/XX/XXXX, and charged me a {$38.00} late fee. I believe the contract should be more specific in the time a payment is due. Had the contract been more specific, I would've paid on time and avoided the fee.
Product: Bank account or service

After 4+ years of perfect transactions and feedback, I get a " reserve '' of {$15000.00} placed on my account. They are holding $ XXXX+ currently I am asking that Paypal remove the {$15000.00} " reserve '' they want for me to continue to do business with, and to allow me access to the $ XXXX+ that is currently being held. I have never had a chargeback or any issues. I have NEVER had {$15000.00} in my account at one time, so to ask me to put that in to continue doing business is crazy. I have had a surge in sales and explained all this to the lady I spoke with at Paypal, I have sold these products for 3-4 years now WITH NO PROBLEMS! 

Currently, I can use my account to accept payments, but ca n't spend/use it until I have over {$15000.00} in it. Why would I continue to accept payments when my next {$9000.00} in sales ca n't be accessed? 

I sell on XXXX different sites and XXXX/XXXX different product lines, so this " hold/reserve '' is going to destroy my other lines of business as I ca n't pay my distributors for products that need to be shipped. 

I am asking that this reserve be removed and I can continue to conduct business as usual. If you choose to discontinue business with me is fine as well, however I need this release of the $ XXXX+ release and I will withdrawal it. This has been a detriment to my business.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint regarding the handling of an issue by XXXX XXXX XXXX and Experian, which has led to significant financial and emotional distress on my part. 

Approximately XXXX months ago, I initiated a claim with XXXX  XXXX XXXX due to an accounting error on their part. They erroneously charged my credit card account several hundred dollars due to a misunderstanding. Despite numerous attempts to rectify the situation through extensive communication with XXXX XXXX XXXX, the issue persisted unresolved for an extended period. 

Frustrated by the lack of progress and the financial impact caused by XXXX XXXX XXXX XXXX error, I escalated the matter by opening a claim with the Consumer Financial Protection Bureau ( CFPB ). Subsequently, the issue was finally resolved after intervention from the CFPB, and I believed the matter to be settled. 

However, on XX/XX/2024, I discovered a drastic drop of approximately XXXX points in my credit score. Upon further investigation, I found that this decline was attributed to an " overdue balance '' on my account, which was, in fact, the same erroneous charge that XXXX XXXX XXXX had previously acknowledged and resolved. Despite being assured of resolution, XXXX XXXX XXXX XXXX negligence persisted, causing severe harm to my creditworthiness. 

In an attempt to rectify the situation, I promptly initiated a dispute with Experian, one of the major credit reporting agencies, providing all necessary documentation to support my claim. Despite my efforts, Experian 's response, received on XX/XX/2024, failed to address the inaccuracies in my credit report. The reported " 30 days overdue '' payment for XXXX continues to unjustly tarnish my credit history, solely due to XXXX XXXX XXXX XXXX repeated errors. 

The relentless pursuit of resolution has taken an immense toll on my time, energy, and emotional well-being. Despite investing countless hours in communication with unresponsive and unhelpful customer service representatives, the issue remains unresolved. The incompetence and lack of professionalism exhibited by XXXX XXXX XXXX have pushed me to my limits, and I am left with no choice but to seek intervention from the CFPB. 

I urge the Consumer Financial Protection Bureau to intervene promptly and compel XXXX  XXXX XXXX and Experian to rectify the inaccuracies in my credit report. Furthermore, I request that appropriate measures be taken to compensate for the damages incurred as a result of their negligence. Failure to address this matter satisfactorily will leave me with no option but to pursue legal recourse, including seeking legal counsel to pursue further action against both companies.

I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX Attached documents contain : The Experian dispute results, the original letter I had sent to Experian regarding the dispute, as well as the original dispute I had submitted to the CFPB to resolve the initial issue of an accounting error of XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed my XXXX credit card statement had a {$26.00} charge for services I never requested let alone used ( I never requested a credit report ). When I called TransUnion they indicated I had signed up for an unlimited credit request since XX/XX/XXXX. I called I asked to stop the service immediately on XX/XX/XXXX and requested a credit for the entire time period, I was told that would be escalated but the service would stop. I called again on XX/XX/XXXX and spoke to " XXXX '' who indicated the first person didn't stop the service so I was charged in XXXX for another month of service. He stopped it and told me the entire amount would be credited back ( XXXX years ), however since it was more than XXXX  months I would have to wait XXXX  days for a check to be sent. I followed up on XXXX requesting the credit ( check ) be mailed sooner than XXXX  days since I would be traveling in XXXX. I got a call back on XX/XX/XXXX from a Supervisor indicating that I would indeed get the check but would have to wait. I called again in XXXX and was told the month of XXXX didn't count within the XXXX  day waiting period. I called finally on XX/XX/XXXX and was told the check should be arriving any day and finally I called today XX/XX/XXXX and was told a Manager would get back to me in XXXX business days for an update. Each call meant XXXX hours of waiting/talking time with anywhere from XXXX people per call. I really believe they shuffle you between departments where no one can answer a question or help you to the point they just want you to give up. The dollar amount I was promised back on XX/XX/XXXX that was approved and would be paid to me is {$720.00}, they just don't seem to have any interest in sending me the payment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

In XX/XX/2022 a transfer of {$14000.00} was done from my saving account to my checking account in Wells Fargo, I was notified XX/XX/2022 in Wells Fargo Bank in XXXX XXXX, XXXX, Fl that this transfer was done via phone call. The teller of the bank notified my that there were some charges in my checking account in the XXXX, Tx area done XX/XX/2022 up to {$7600.00} and that the pin number of my debit card was change. I called the costumer service from my office number, because my cellphone was not working and they couldn't help me in the branch, I notified them that the transfers or/and the charges in Texas were not mine, the bank froze the account and open an investigation that lasted 10 business days ( 2 weeks ) and they concluded that there wasn't any fraud indication, even knowing that the branch manager or the Wells Fargo in XXXX Texas XXXX XXXXXXXX XXXX contacted me and let me know that a woman came to her bank with a Florida Id and attempted to withdraw {$4000.00} from my account, but she denied the withdraw when she noticed the unusual charges done that day ( XX/XX/2022 ) and she wasn't able to answer some questions correctly. My online banking sent me emails that the password has been change I called the bank again and notified them that wasn't me to please XXXX everything. I also had a separate issue were a XXXX XXXX credit card was open and charge with {$3800.00} and I am unable to open a police report here in XXXX, Fl or in XXXX, Texas because I need a fraud affidavit from the bank which would not be provided. In conclusion, the bank failed to secure my money, didn't notify me of unusual charges in a different state and I lost {$7600.00} and the bank is not taking responsibility and is victimizing even more a victim of Identity theft and bank fraud.
Product: Debt collection

I have received 23 messages from TrueAccord since XX/XX/22 ( I counted ) Ive received I dont know how many messages and calls from them before XX/XX/22. I have called them before and spoken with them and texted them and discussed that I am not the person whose debt theyre trying to collect. They know I am not the name on the account and they still try to contact me constantly. The name On the account is XXXX XXXX. Thats not me. Theyve said theyll stop contacting me but they always fail to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report in XX/XX/XXXX for TransUnion and noticed a hard inquiry that I did not authorize. The hard inquiry was from XXXX XXXX XXXX and happened on XX/XX/XXXX. I contacted TransUnion on XX/XX/XXXX to report the fraudulent activity and dispute the inquiry, I also placed a credit freeze on my file. I was told by TransUnion that I had to send a letter to them with my name, social, address, phone number, and item I am disputing that I couldnt just dispute it over the phone. So I mailed the documentation they asked for. All I received back is a letter dated XX/XX/XXXX explaining to me what a hard inquiry is, they have still not removed it. 

The same day I contacted TransUnion XX/XX/XXXX, I contacted XXXX XXXX XXXX. I reported the the application that was placed with my information as fraudulent and asked them to contact TransUnion to help me get the hard inquiry removed from my credit report. I received a letter dated XX/XX/XXXX stating they marked the account as fraudulent and that they submitted for the credit inquiry to be removed. 

I have done my part, XXXX XXXX  XXXX has done theirs. Once again trying to work with TransUnion has been nothing but complicated and they are not doing their part in removing the fraudulent activity from my credit report. TransUnion continues to be the most difficult credit bureaus to work with of the 3.
Product: Student loan

XX/XX/XXXX - My mother called EdFinancial but the customer service line hung up on her multiple times after waiting on hold for hours. No response. 

XX/XX/XXXX - I uploaded a letter from my graduate school proving my enrollment for the XX/XX/XXXX school year. I also had my mother submit the same letter so that we both could have the loans deferred. Used the online form to submit the paperwork. No response. 

XX/XX/XXXX ( before payment started ) - I sent multiple emails following up with the team to have the matter settled. No response. 

XX/XX/XXXX - Once again I reuploaded my proof of enrollment. No response. No confirmation of receipt. XXXX should have informed my student loan provider that I am in grad school and therefore the loan provider should already know that I am in school ; however, I keep getting messages that I am late on my payments.
Product: Credit reporting

I went online to Experian to check my credit score for their advertised price of {$1.00} prior to making a major purchase. Doing this automatically enrolled me in a 7 day free trial for a monthly service I did not want and, subsequently, a monthly billing to my credit card for {$21.00}. I believe this is a dubious business practice at best, and XXXX beneath a major credit reporting agency. Although they did agree to cancel my service, they refused to refund my {$21.00}.
Product: Student loan

I contacted Fedloan Servicing in XX/XX/2020 and asked them to fix my paid ahead status payments to have them adjusted so they will count towards student loan forgiveness. I again contacted them in XXXX or XXXX and they told me they were still working on the request. Now it is almost 10 months later, and I am still waiting for these payments to be adjusted and counted towards my forgiveness. 
Also the payment count towards my subsidized and unsubsidized accounts are different, but should be the same. Please help me get the information I am requesting.