23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XXXX XXXX I went got a personal loan to pay off my car. Well on XXXX XXXX the check was cashed but Westlake said the check did not have proper documentation with it. So they had no where to apply the funds. On XXXX XXXX they came to repossess the car. Had already had the funds but did not apply the credits to my account. Well after calling and calling and then hanging up the phone. I got to speak with the lady that gave me the pay off amount. Again she stated the documents were incorrect and repossession was accurate. is not fair as a loyal customer to Westlake for years for them to take my money and want me to pay more. I feel Westlake owes me back for their mistake. I lost work for a few days and had to come up with extra money to get the car back after them cashing the check for the amount they said was owed. Please help me
Product: Credit reporting or other personal consumer reports

Experian XXXX failed to fulfill its legal obligation under the FAIRCREDIT REPORTING ACT ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against EXPERIAN, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove and amend the disputed accounts, as EXPERIAN 'S inaction violates federal law and my rights as a consumer.
Product: Mortgage

This is a continuation of complaint # XXXX. It involves at least 2 companies, XXXX and DiTech. XXXX has been very informative with regards to figuring out what exactly happened with this loan. XXXX had this loan from XX/XX/XXXX until XX/XX/XXXX. Due to the lack of information provided to me, is when the loan went into default. However, DiTech did not buy this loan until XX/XX/XXXX. Account # XXXX. Why was there a 4 year lapse in collection of this loan. Until this day, I have no idea why there is no recorded information with regards to who bought this loan, who owns this loan and of the foreclosure status on this loan. Is there a second mortgage on this loan and is there a lein on this property.
Product: Credit card or prepaid card

XX/XX/2023 : This morning at XXXX XXXX XXXXXXXX, I received an email stating my account had been approved. This email was followed by three emails, each at XXXX XXXX stating my password had been set. These emails were followed by three additional emails ( XXXX XXXX XXXX XXXX, and XXXX XXXX ) with an authorization code. I looked up the company on the Internet and called the number provided in this report to report the fraudulent account. The company 's automated message required a full social security number and zip code to reach a representative. Since providing this information is a security violation, I could not reach anyone. 
I sent an email to supportcard.com reporting this as a fraudulent account and requested they close it immediately. At XXXX XXXX this evening, I received ANOTHER email with an authorization code. I believe this means they ignored my original email and have not closed this account. 
I had to freeze my accounts at the credit bureaus and report the incident to IdentityTheft.gov and with the 3 credit bureaus. 
XX/XX/2023 : I just received a notification that card.com is sending a credit card out despite my notification. I found a fax number ( XXXX ) XXXX and sent a fax containing my emails to cancel it. 
I do not have a card number, but they have the record under my email account : XXXX. I do not know what the billing address is for the card since I didn't open it, but I assumed it is the same as my address since I can not submit this report without knowing the information.
Product: Checking or savings account

I have an account with cashapp and on XX/XX/2023 around XXXX I woke up to a text that a transaction had been made in XXXX XXXX XXXX  at a gas station called XXXX XXXX. I live in XXXXXXXX XXXX XXXX  and had not traveled anywhere recently. I disputed the charge and provided statements from another bank account showing that day transactions were made in XXXX and I was not in XXXX at all. They have denied my dispute multiple times and magically when I complained about them not assisting with the dispute they closed my account without notice. I still have not gotten back the 88 dollars from this clearly fraudulent transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  continues to violate my consumer rights. 

Violated 15 usc6802 they never gave me the ability to opt out of having non public personal information reported to third parties.
Product: Mortgage

i was told by SLS loan servicing to send 3mo. of bank statement and profit loss statements i call on XX/XX/2019 they have the paperwork i sent in now they tell me im missing one doucument but they cant tell me what it is
Product: Credit card

I can't handle this anymore! The documents are right there, attached! I'm practically shouting at the bureau to begin an investigation on these accounts. I've NEVER missed a payment, but they insist on reporting me as late. It's maddening!
Product: Checking or savings account

I had a CD that matured. In order for it to not automatically renew, I was forced to open a checking account at the bank and roll the matured proceeds of {$50000.00} into a checking account I didn't need or want. Once my funds where in the checking account I was limitted in accessing my funds and had to do three separate transfers over a couple of weeks to get all my money. These were clear funds that had been on deposit with USBank for a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEW AND UPDATED INFORMATION. Before I proceed, I would like to make it clear to your company, and those in position of authority of your company, that congress makes it clear that the banking system is dependent upon my consumer reports being fair, and accurate to me, Pursuant to 15 usc 1681 ( a ) ( 1 ). Pursuant to 15 usc 1681 ( a ) ( 4 ) you were unfair in reporting this information without consulting with me the consumer. Experian has violated my privacy by reporting 4 different names on my consumer report also 7 different fraudulent addresses reporting I, the consumer have in fact sent in verification in my previous dispute with the CFPB ( dispute XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a current copy of my credit report and show inaccruate information listed. Account name U S DEPT OF EDXXXX Account number XXXX is showing listed as a chargeoff and reporting an open balance in the amount of {$11000.00} which and open balance I understand due to chargeoff is a direct violation of FDCPA XXXX I have dispute this acocunt on a number times with no reply and it has been over 60 days which is a violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to XXXX XXXX to resolve the issue on the collection account which is not mine. After several months the account still shows on my equifax credit file. I again started to dialog with them about why the account still shows up on equifax. they have not sent the requested documentation nor responded to any of my requests which is against the FCRA. My last letter, third in the last 90 days, dated XXXX was returned to sender. 

I have sent duplicate letters to the three addresses listed for them which includes the one on my credit report and they have not responded in any fashion. 

The addresses include : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX I received one return to sender and zero correspondence. 
I have called the associated numbers and have been told someone should back to me and non-one ever does. this is effecting my credit!!
Product: Checking or savings account

I want to send in a complaint against Bank of America. I was a former customer of Bank of America in XXXX and closed my account with them. For some reason on XX/XX/2023 I received an email saying congratulations on opening up your new checking account ending in XXXX I was confused because I didn't open an account with them. I contacted the bank on XX/XX/XXXX they told me they put a fraud alert on the account and that it was closed I was supposed to receive fraud documents to fill out in 3-5 days I never received the documents, claim number, or any information about the account. I called again on XX/XX/XXXX I was bounced from department to department until I finally reached someone I was told that the email was sent but I still haven't received anything. I called back on XX/XX/XXXX and I was informed that someone just so happen typed my email address wrong that's why I never received any documents. I called on XX/XX/XXXX to follow up and I still didn't receive the documents they told me they were going to resend the documents. I called back on XX/XX/XXXX they were going to resend again. On XXXX the XXXX after almost a month I finally received the fraud documents to fill out and fax in. I was told that the fraud team was investigating the IP address and tracking down who was responsible for opening up the account. I received a letter on XX/XX/XXXX that the matter was closed and the account was going to be moved from my credit report. The issue I have is Bank of America never told me who opened the account, the IP address if this was opened online or in person if the person was overseas or in the States so that I could press charges or investigate on my end further information. Bank of America did not provide that they just closed out my claim without any further information. I find it strange that I received no information on the account, was left in the dark, and was treated as if I was the one opening the account by going round and round with Bank of America. My significant other has an account with Bank of America and when someone used his information to commit fraud Bank of America was able to locate the person that committed the fraud and found out they were in a different city and state. I find it strange I didn't get that same service. Other customers have complained that they had old accounts with Bank of America and they too received an email that an account has been opened in their name and did not receive any information as well. I want to have this matter looked into further to make sure it is not an inside job and the bank is just randomly opening up accounts to make quota or if this is an individual or individuals that got my information from a data breach or something like that. I need answers! Thank you
Product: Debt collection

Good Morning I received a letter from my Employer that I have a pending garnishment for {$860.00} for LVNV Funding LLC XX/XX/2020. I have not been contacted and tried to contact XXXX XXXX XXXX XXXX group. I cant get any answers no return call. I asked for a print out of what is owed and to whom. This is unfair practice
Product: Credit reporting, credit repair services, 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 -ACCOUNT # : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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: Debt collection

This company is attempting to collect and unverified debt. I will be seeking damages. This is unlawful.
Product: Credit reporting or other personal consumer reports

I did not give permission for these questions to be asked, and they have nothing to do with me. I want my credit report to be immediately updated with their removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Consumer XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID XXXX Address : XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my XXXX XXXX XXXX consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX TX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX I dont recognize the following accounts in question. XXXX a victim of identity theft and I dont recognize these accounts on my report. XXXX requesting the following information be deleted from my XXXX XXXX XXXX report immediately! Ive attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently noticed that I am a victim of identity theft, and I am requesting an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit information or applications will be approved or issued until the lender first verified my identity.Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN XXXX BUSINESS DAYS
Product: Checking or savings account

On Saturday, XXXX XXXX I received text alerts that an account with Chime had been created with my phone number including a verification code text. I had never heard of Chime and did not open this account. I did not respond to the texts or click on any of the links. 

On Monday, XXXX XXXX I called their customer service line in an attempt to report the fraud. I only received an automated set of responses to confirm the account, but no ability to report the fraud and close the account. 

Im seeking assistance in having Chime shut down this account and to update their systems so that fake accounts can not be opened in other peoples names.
Product: Credit card or prepaid card

I have a line of credit that was opened on XX/XX/XXXX and will expire XX/XX/XXXX which had a balance of around {$1800.00} as of this month and on XX/XX/XXXX I added a new line of credit of XXXX. My issue comes in the fact that in end of XXXX I made payments to my account but the credit company has applied it to the more recent balance transfer. I did write them to ask that the applied my payment to the oldest balance transfer but they informed my that they can applie my payment where every that want.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016 I filled litigation with my bankruptcy against the student loan companies I owed money too. XXXX, XXXX, XXXX XXXX, ie, natvient, ie XXXX, is all the same company I borrowed loans from. When I could not repay, I filed and made an arrangement with navients lawyers and my lawyer. XXXX decided to discharge the debts owed to them. XXXX is still trying to Collect said debts and is still Reporting to the credit agencies when this was resolved in 2016. This needs to stop. I have disputed these debts. I also have tried to talk with the companies. Twice, I also have mailed copy of the court documents stating that navient agrees to discharge my debts to all 3 credit companies. XXXX, XXXX XXXX, and XXXX needs to stop reaffirming a debt they agreed to discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX/ XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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 states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt or credit management

I asked the company to confirm if I ever received any services from them, they verified that I DID NOT yet this company still falsely reported against me on all levels this is fraud. 

exactly around XX/XX/year> I created a basic profile account with SELF to help build my awful bad credit from the pandemic, fighting child custody issues and being homeless for almost 2 years... 

- I did not receive nor pay for any services and never contacted this company again after once trying to reach their customer service department with no live person and no voicemail... 

- this so call ' credit building ' company instead not only reported to both XXXX and XXXX that I actually received services but tool OUT A PERSONAL LOAN FOR AROUND {$700.00}!! 
- not knowing this was hurting me financially hurting my credit the whole entire time I started disputing this company with both XXXX and XXXX XXXX report # XXXX when I contacted the company directly twice, both times they have confirmed over the phone THAT I DO NOT OWE ANY MONEY AND HAVE NEVER USED ANY OF THEIR SERVICES so I also created a case # directly with XXXX  case # XXXX with their special department with XXXX of their reps agent, by the name of XXXX agent XXXX XXXX -I received an email confirmation of the case created but thus far have not heard back from them.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called Citibank for fill disputes ( 10 ) ( 1 ) XXXX/19 {$1200.00} ( 2 ) XXXX/19 {$3300.00} ( 3 ) XXXX/19   {$3300.00} ( 4 ) XXXX19 {$4500.00} ( 5 ) XXXX/19 {$550.00} ( 6 ) XXXX/19 {$5000.00} ( 7 ) XXXX/19 {$2700.00} ( 8 ) XXXX/19 {$5000.00} ( 9 ) XXXX/19 {$3300.00} ( 10 ) XXXX/19 {$1600.00} totals : {$30000.00}
Product: Credit reporting, credit repair services, 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. 

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 states a consumer report agency can not furnish a account without my written instructions.

15 U.S.C 1681c : ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of informationAny other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

I have account being reported from Toyota Motor Credit ( XXXX ... ) This account has been reporting on my credit file for longer than 7 years.

the date of 1st delinquency was XX/XX/2010 according to XXXX  & XXXX  XXXX has no data reported for XX/XX/2010 I know this account should have been deleted from my credit file last year - its been over 7 years attached is the credit reports from all 3 bureaus to show the dates of 1st late default
Product: Debt collection

On XX/XX/XXXX, while attempting to buy a new vehicle I was informed I had perfect credit except for a Personal Loan in the amount of ( {$65000.00} ) taken out from SoFi Bank under account number ( XXXX ) on or around XX/XX/XXXX. 

Having been caught off guard and knowing I never opened an account or new very little about the Bank in question I contacted law enforcement on XX/XX/XXXX. From there I initiated a police report with officer XXXX XXXX of the XXXX XXXX Police Department. In this report which was included the law enforcement and detectives conducted a thorough investigation determining the account opened was opened online using stolen information. Furthermore, they determined the electronic signatures did not match mine and all the identifying information provided to the bank was fraudulent. 

Shortly after this discovery I put SoFi Bank on notice and requested a complete payment history of the account and copies of all supporting documentation including bank accounts these funds were transferred too. Instead of complying, they sent me a sequence of letters outlining they conducted an investigation and validated it belonged to me despite law enforcements contradicting findings. 

In closing, I attempted several times to contact their fraud division who informed me the account was charged off and they no longer had the information I was requesting. Knowing that I never authorized or initiated this account they couldn't even provide me a history of payments which I found very suspicious and just reiterated that they colluded in the fraudulent activity.