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

I had my auto loan financed through XXXX XXXX XXXX XXXX. Apparently, they filed bancruptcy and didnt bother to tell me anything about who I would be financing through or anything at all. I had my payment automatically taken out of my bank account of arount {$250.00} every two weeks. I'm not sure about exactly when they stopped taking my payment out because without fail, the money would come out of my account. I had to reason or time to check every month because I worked 2 jobs and no time to look or notice anything in regards to my banking account. I tried to reach out online when I got something in my email from Westlake Financial stating that my statement is ready. Nothing was on the statement or in that email and I replied to stop sending me spam, I dont know who Westlake is and I certainly do not owe them money. Still no response. Then a tow truck backs into my apartment complex and takes the car, again no call or acknowledgement and no knock on the door, nothing ; I almost called the police and something told me to check to see if my payments were coming out. At that time is when i knew nothing had been taken out. I've done some research about this place to try and find a phone number to reach out to and the one listed states it is not a working number, I must say, I see now why I never as much as got a call, letter, no emails other than the one I got, NOTHING. I paid my car payment on time everytime before this situation occured and not one payment has been or was late. It was my one chance to improve my credit score. 

On XX/XX/2015, Westlake was sued for " lying to their customers and improperly disclosing information about the borrowers '' That was a hand written statement by XXXX XXXX, CFPD director. ( P ; ease see attached ) With that being said and including my situation, I feel like a certified letter would have been a more sufficient way to conduct business as oppose to email. So, the email I thought was spam because they never did reach out to me and now have taken my car is also deciept. Because of this, I have no transportion and my credit is ruined from getting another one. I am also leary of reaching out with a deceptive reputation that they have. 

Apparently that lawsuit has taught them nothing and they are still very deceptive. I think they need to bring my car back and conduct a fair and reasonable business by contacting people either by certified mail or signature or something then come and take the car without enough decency to go to the door and let someone know what in the XXXX is going on. This is absolutely ludacruis and unethical. 

Please, please advise if I may be wrong here and just upset on how everything turned out after reaching out to them and still nothing to taking my car. If nothing can be done, please explain to me how this is in any way ethical and professional. Thank you for your time in regards to this matter.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account # : XXXX I'm writing to bring to your attention a troubling issue involving XXXX XXXX  and the major credit bureaus XXXX XXXX XXXX XXXX and Experian. It's regarding some inaccurate and unverified charge-off information that's hanging around on my credit report like an unwelcome guest. 

Despite my best efforts, this charge-off account hasn't been adequately backed up with any solid documentation, despite my repeated requests and disputes. According to the Consumer Financial Protection Act ( CFPA ) [ 12 U.S.C. 5511 et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], XXXX XXXX and the credit bureaus are obliged to play by the rules. This includes ensuring that any disputed information on my credit report is thoroughly investigated and supported by proper documentation.

But here 's the kicker every time I've asked for some proof or documentation to back up this charge-off, I've come up empty-handed. And the responses from XXXX, XXXX, and Experian? They've been pretty vague, just saying the info is " verified, '' without showing me any proof. This lack of documentation is more than just frustrating ; it's a clear violation of my rights under the FCRA and CFPA. As a consumer, I have the right to accurate and verifiable information on my credit report. The fact that there's no evidence to back up this charge-off raises serious doubts about its accuracy.
So, I'm asking no, I'm demanding that this unverified charge-off be taken off my credit report with XXXX, XXXX, and Experian immediately, in accordance with the FCRA and CFPA. If XXXX XXXX and the credit bureaus don't comply, I'll have no choice but to explore all available legal options to seek redress for the damage this has caused.

I'm counting on you to help me out here. Let 's get this sorted and put this whole mess behind us.

Thank you for your prompt attention to this matter. I eagerly await your response and the resolution of this issue. 

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

There's information on my credit report that is not accurate and i would like it to be removed asap. Its stopping me for getting a home and car and it needs to be removed asap. 

XXXX  XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

Called me at XXXX pm, asked their location stated she was in XXXX XXXX. I informed her that i live in XXXX and it is past XXXX. She continued the call and did not identify herself as a debt collector and just kept asking if i was me. She continually kept asking for my address after informing her it is after XXXX and i would be filing a complaint with the CFPB.
Product: Mortgage

I learned that our mortgage company reported the month of XXXX 2016 late to credit reporting agencies. We have paid all of our monthly payments timely, in XXXX parts, each month in the full amount due. I review the transaction history online on a regular basis, and each month, including XXXX 2016, showed {$0.00} owed for the monthly payment and a reduction in our principal balance. I have since been advised that the mortgage company, Specialized Loan Servicing, alleges to have increased our monthly payment from {$5000.00} to {$5300.00} claiming an " escrow shortage. '' I did not receive notice of this change. I have since found buried in the statement history an unintelligible letter which in small print, after several charts, notes an increased payment. However, the webpage still showed the original payment amount and both XXXX and XXXX 2016 I paid the original amounts and it showed a {$0.00} balance. Nonetheless, without warning, and without advising we " missed '' the extra {$200.00} for XXXX and XXXX 2016, SLS reported us late. This has decimated our credit, and eliminated any chance of our refinancing this loan. Clearly our history shows we believed we were paying our payment in full, and on time, as we had been. This negative reporting and sneaky attempt to increase our payment ( just 8 months into the loan ) is improper. After all, should n't SLS have to provide a valid reason for adjusting our payment when they decided the amount necessary for escrow? Should n't they have to provide conspicuous notice of the change? Should n't they have to let us know the problem and give us a chance to cure it before reporting to creditors? This is outrageous, and significantly stressful. We have been working diligently to put us in position to refinance - and just got denied and discovered these unfair and underhanded tactics.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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

After reviewing my personal credit report I attended XXXX XXXX XXXX XXXX XXXX in XXXX the school was under federal investigation of fraud and accreditation at the time. Due to the school going through this investigation in XXXX I am questioning the credibility of my diploma and student loans. The investigation was found as an false claim act in XXXX showing misuse of funds and a lucrative scam. The paper work required to enroll was forged by school officials which resulted in thousands of loans and tuition granted to students like myself. I was lured in to believe that this would be beneficial to my career. proof Quoted from XXXX " XXXX False Claims Act complaint was filed in secret in XX/XX/XXXX. It alleged that XXXX had engaged in a systematic and nationwide fraudulent practice of forging documents and records to create an appearance of student eligibility in order to receive federal funds. Due to these findings I was disbursed money while this institution was under federal investigation which is against the FCRA. This has caused me to have thousands of debt that is unwanted and a diploma that is ineligible. I am experiencing hardships with repaying loans that I never should have occurred due to this federal investigation. I am requesting you send this information over to XXXX  XXXX, XXXX, equifax, XXXX and any other parties who have access to my information and debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE WRITTEN THUS COMPANY SEVERAL TIMES STARTING IN XXXX XXXX, 2018, ASKING FOR VALIDATION OF DEBT LETTER INWHICH THE COMPANY REFUSED TO SEND. ALSO TO ADVISE THE COMPANY THE INFORMATION IS CORRECT AND TO VERIFY THAT THE ACCT IS MINE, BUT THE COMPANY REFUSED TO SEND ANY INFO. UNDER THE FCRA THEY HAVE 30 DAYS TO SEND ME THE VALIDATION OF DEBT NOTICE AND THIS COMPANY HAS FAILED TO SEND ANY INFO ON THIS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
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

On XXXX, XXXX  I sent a letter to Equifax requesting verifiable proof that the information on the following accounts pertains to me. 

XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

While Equifax did investigate some of the accounts they did not investigate them all. I have a recorded conversation with an Equifax customer service agent on XX/XX/2023 Equifax did not investigate XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX  XXXX. Instead the investigated XXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts I didn't ask for them to look into. The Agent advised that he didn't know why they didn't investigate XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX, XXXX  He also advised that he could not stop the investigation into XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

I also never received correspondence from Equifax advising of the completion of their investigation. 

the following account need to be removed from my credit report immediately, these accounts weren't investigated by Equifax. according to the Fair Credit Reporting act Equifax had 30 days to investigate these accounts and refused to do so : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I also was not sent a copy of the dispute results from Equifax I have waited what amounts to 4 weeks for those results I do not ant a reinvestigation of any of the before mentioned accounts I want full deletion of all accounts in the attached letter dated XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX all other accounts in the investigation request should be deleted as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX failed fix error in account site unable to add documents saying I sold vehicle. Nissan finance company
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 ( MONTHS REPORTING LATE ) 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, ) 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: Credit reporting or other personal consumer reports

I wrote to XXXX, Equifax, and XXXX requesting an investigation of the following inaccurate accounts and Hard inquiries reporting on my credit report 30 days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score while I am currently in the process of purchasing a home. This is very damaging to my credit score as a consumer. 
I the consumer understand the term Consumer Report does not include any transaction or experiences between the consumer ( me ) and the person making the report 15 U.S.Code 1681a ( 2 ) ( A ) ( i ). I the consumer have the right to privacy pursuant to 15 U.S.Code 1681b ( a ) ( 2 ). These credit agencies have violated my right to privacy by furnishing private information about me without any lawful author my written consent. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below The Following Accounts and Inquiries are inaccurate. 

XXXX accounts XXXX XXXX XXXX XXXXXXXX This is Not my Account XXXXXXXX XXXX XXXXThis is Not my Account XXXX XXXX XXXX- This is Not my account XXXX Hard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis is Not my Account XXXX XXXX XXXX This isNot my Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting several Late payments which is hurting my credit score. These late payments are inaccurate and false after comparing my credit report between XXXX, Equifax and XXXX. Some months are showing on time and others not on time which is not accurate. 
15 U.S. Code 1666b - Timing of 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. I would like all accounts and Hard Inquiries mentioned deleted from my credit file Immediately as this is damaging to my credit score and not aligning with my rights as a consumer. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. XXXX XXXX is my husband. On XX/XX/2023, XXXX purchased the loans and this was placed on my credit. On XX/XX/2023 via certified mail ; I request validation of the debt of all of different amounts reported on my credit. ( Same account number which was XXXX, but different amounts ). First, with the help of the Better Business Bureau ; I found out these accounts were sold to XXXX. XXXX first denied it, but they PURCHASED this account in the amount of {$27000.00}. This was an agreement between XXXX, US Dept of Education, and XXXX. Then on XX/XX/2023, XXXX from XXXX stated, " XXXX  XXXX XXXX Account # XXXX ; Education XXXX XXXX XXXX XXXX XXXX ) has reviewed your concerns. Following is history of the XXXX loans in question held by XXXX that match the first & last name, mailing address and email address provided by you on this complaint. '' XXXX stated that this account belongs to XXXX XXXX. I have never in my life been identified as XXXX XXXX. To this date XXXX, XXXX, or US Dept. of Education has yet to provide to me an original signed contract in addition, XXXX provided proof to myself and XXXX  that the XXXX accounts belong to XXXX XXXX. XXXX wishes for me to accept this as an simple typographical error. I REFUSE TO!! I have been reporting on multiple occasions that the loans are not mine has here is proof and XXXX. XX/XX/2023 the XXXX discount the amounts 107 %, the amounts as reported on my credit do not have a payment amount further proof that there is not accounts associated with me and these entities. This company provided alledged spreadsheets. All the proof that was given to me by XXXX, showing further proof that their records was and can be altered, .i.e. the account belonging to XXXX XXXX. These accounts were falsely generated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  but the debt was sold to XXXX  XXXX  XXXX  XXXX   XXXX  XXXX  XXXX  XXXX, Fl XXXX thats what list on my credit report contacted them via mail never got a return letter there phone number is not listed on my report There is 3 accounts one is for XXXX The other one is for XXXX Then XXXX I never opened a account with this company I disputed it with the bureaus and even got a police report showing the identity theft
Product: Credit card or prepaid card

on XX/XX/XXXX. I resent my FTC ID Theft affidavit, with new information attached to Discover card, both to their Office of Consumer advocacy and their credit reporting department. I sent the package via certified mail to confirm they received it. 

To date, they have refused receipt of the package because the package with the new information requires them to not post ANY information on my credit report. Since they are refusing to take the package via mail, I have to issue this complaint so they can receive it via this platform. 

This is yet another example of Discover Card 's shady and purposefully negligent actions in dealing with their gross failure in security regarding my personal information - assigning a card to someone else.
Product: Mortgage

Payments are not being applied correctly. Principal only payments are being applied to future payments and charging interest. I have had to call or email for corrections repeatedly. Then late charges show up? Payment processing continues to be an issue almost 3 years later.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX  XXXX Balance : {$9800.00} XXXX  XXXX XXXX Balance : {$250.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX : XXXX XXXX  XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX  XXXX Balance : {$0.00} TRANSUNION : XXXX XXXX XXXX XXXX Balance XXXX {$9800.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Liability : {$0.00}
Product: Payday loan, title loan, or personal loan

I had a boat loan with GE MB Lending which I took out in XXXX and made the last payment on XX/XX/XXXX. 

GE Money Bank became Sychrony Bank in XXXX. 

I have been asking Synchrony Bank for a lien release since XX/XX/XXXX. 

I have gotten many excuses, including that they can not get into the old system and they don't know when or if they will be able to. 

It is even on my credit report that the loan was paid. 

This is unacceptable! I NEED the lien release!
Product: Money transfer, virtual currency, or money service

I signed up for a tax refund advance with XXXX XXXX and it automatically assigns any pay account to Credit Karma Pay. I was not approved for the advance, and unable to change from Credit Karma Pay to a regular checking account for the future tax refund. Credit Karma told me I could do a bank transfer when the refund was deposited. 
The tax refund was deposited into Credit Karma pay and now I was informed there is a {$1000.00} transfer or usage LIMIT per day. I do not have access to my full tax refund to use it for bills, repairs for at least two weeks. All over their website it says up to {$10000.00} transfer per day.