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

CFPB Complaint Against Westlake Financial Services Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Louisiana XXXX ] Company Name : Westlake Financial Services Complaint : Fair Credit Reporting Act ( FCRA ) Violation ( [ 15 USC 1681i ( a ) ( 1 ) ( A ) ] and [ 15 USC 1681i ( 5 ) ] ) Narrative : I am filing this complaint against you Westlake Financial Services for violating my rights under the Fair Credit Reporting Act ( FCRA ). 
On [ XX/XX/XXXX ], I disputed information in my credit report regarding a [ Account # XXXX, XX/XX/XXXX, {$11000.00}, Auto Loan ] account with Westlake Financial Services. Specifically, I disputed this account. 

Under the FCRA, Westlake Financial Services was required to investigate my dispute and respond within 30 days of receiving it. However, I received a letter dated [ XX/XX/XXXX ] from Westlake Financial that did not address my dispute in a meaningful way. The letter requested 1099c and additional information or simply stated the information was accurate without providing any explanation. This constitutes a " stall letter '' which is a violation of the FCRA ( [ 15 USC 1681i ( a ) ( 1 ) ( A ) ] ). 
Furthermore, the FCRA requires that any information in my credit report be verified as accurate and up-to-date ( [ 15 USC 1681i ( 5 ) ] ). By failing to properly investigate my dispute, Westlake Financial Services is potentially violating this section of the FCRA as well. 
Request : I request that the CFPB investigate Westlake Financial Services for violating my rights under the FCRA. Specifically, I request that the CFPB : Require Westlake Financial Services to conduct a thorough investigation into my dispute and provide a response within the timeframe outlined in the FCRA. 
Ensure that any information in my credit report regarding this account is accurate and up-to-date. 
Take any other necessary action to ensure my rights under the FCRA are protected. 
Supporting Documents : See attachment Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, La. XXXX XXXX
Product: Credit card or prepaid card

Dear Sir or Madam, Last XXXX I applied the XXXX  card from bank of America. According to the terms and conditions, I can be qualified to get XXXX XXXX bonus miles and {$100.00} statement credits plus annual companion fare after making purchases of {$1000.00} or more within the first 90 days of opening your account. 

I did make the purchase in 90 days and noticed I didn't receive the bonus last XX/XX/XXXX. I called BOA and the associate said I didn't match the qualification because I only spent {$930.00} cause the annual fee {$75.00} didn't count the purchase of {$1000.00}. However, the associate even checked the terms and conditions and didn't find any statement about annual fee isn't a purchase. The associate said I should be qualified to get bonus so he helped me to file higher level in BOA to get my bonus back. 

On XX/XX/XXXX I got a mail and it said I didn't meet the requirement to get the bonus because I didn't spend at least {$1000.00}. I called BOA again for the details but they just said its final decision and wont be changed and no one can answer why annual fee isn't a purchase that I paid for the service of BOA. 
They even suggested me to reapply the same credit card and pay {$75.00} annual fee again then spend {$1000.00} in 90 days so I will get bonus. I am so disappointed that BOA used tricky ways to get more profits for their credit card business.
Product: Credit card or prepaid card

Please connect to claim on XX/XX/18 number XXXX I called today after not hearing from the company since last week. I received a call last week and haven't heard from them since after being promised a return call within a few days. I called the number given and extension but it went to a fast busy. I then dialed the number again and requested the person whom I spoke with last week. I was told she wasn't available and I requested a supervisor but was told that wasn't allowed. I also wanted to resolve the matter with their fraud department. I was told by XXXX operator ID XXXX that I had to send a copy of my driver license front and back. He stated the reason was because a prior incorrect approach to dial my number wasn't completed and therefore that was no longer an option to verify my identity. I was told the account would stay restricted. I am very upset that I can't seem to reach any competent person within this entire organization. It feels as if customer service is not to be expected by me the consumer and certainly not provided. I can be reached at XXXX to discuss further.
Product: Checking or savings account

To whom it may concern : I am a customer of My Navy Federal & my Acct was frozen by XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX. My Account has been Cut off for more than 2 yrs by these People for a balance of {$14000.00} according to this company this judgment was entered on XX/XX/2003. at this time I was incarcerated most of XXXX into XXXX before that i was living at XXXX XXXX XXXX XXXX XXXX XXXX. Navy Federal went off the word of this company & closed my acct off to me. this case has never went to court plus it is over 20 yrs old. I believe this is a Scam as stated by the Attorney General 's Office. Navy Federal Excuse is they are a third party & Have been given a court doc by this Lawyer by looking at this Info Subpoena with restraining notice, Paperwork not signed by a Judge or officer of the court no court seal nothing it looks like something made up in the kitchen. I need help badly its been 2 yrs please someone help me. Navy Federal is wrong for this in my eyes with out proof of anything that this case was ever in court. I even XXXX these people the had a fraud case trying to get funds out another woman froze her accounts & she sued them. i can not uploaded the photos so I will be sending them once i get them printed up. BTW this is not even on my credit report.
Product: Debt collection

I have asked this company to remove their information from my credit report on several occasions. I had XXXX state insurance from XXXX during the time that University XXXX decided not to charge me for services. " XXXX '' sent my hospital bill to this company and since then, I have been asking this company to please relieve of my this debt since the hospital did not do their part in charging my insurance. 

I have asked ARS to relieve me of this debt since I will not ever be able to pay it. 

They do not contact you other than to tell you " NO ''. 
They do not answer the phone and if they do, they refuse to speak to people like human beings. My phone calls always feel so belittling and helpless with this company. 

The XXXX has several complaints against them. 
I don't know how they are still in service as a company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 BMW FINANCIAL SERVICE, reported my payment as late. I set up an auto payment that month because I went of town. It obviously didn't go through on their end because all other payments were paid on time.
Product: Debt collection

Asset Care Collection Agency has accessed your medical information without authorization. 
Debts that are paid or under {$500.00} should have been removed from your credit report as of XX/XX/XXXX. 
You believe your consumer rights are being violated. 
You never received a required five-day letter. 
XX/XX/XXXX Asset Care Collection Agency XXXX. XXXX XXXX XXXX XXXX XXXX, Tx. XXXX Dear Asset Care Collection Agency, I am writing to formally dispute the collectio activities regarding my account number [ Asset Care LLC # XXXX, {$270.00} ]. 
I believe that my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and possibly other consumer protection laws have been violated. 
Specifically, I allege the following : Unauthorized Access to Medical Information : I did not authorize the release of my medical information to your agency. This is a clear violation of my privacy rights. 
Incorrect Credit Reporting : Accordin to the Consumer Financial Protection Bureau ( CFPB ), any debt that is paid or under {$500.00} should have been removed from my credit report as of XX/XX/XXXX. The continued reporting of this debt is inaccurate and harmful to my credit score.

Lack of Required Notice : I have not received a five-day validation notice as required by the FDCPA, detailing the amount of the debt, the creditor, and how to dispute it. Im also requesting the purchase agreement between assets care llc and the original creditor. 
I request that you immediately cease all collection activity on this account, investigate my claims, and correct any errors on my credit report. 
I expect a written response to this letter within 30 days. If I do not receive a satisfactory response, I will be forced to take furthe action, including contacting the CFPB and possibly filing a lawsuit And you have 15 days to respond not 30 days or your silence be acquiescence. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX
Product: Credit reporting or other personal consumer reports

This account is XXXX XXXX XXXX Account # : XXXX, not mine. I find this fraudulent. Kindly remove this immediately as this may damage my reputation as an employee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two letters to Equifax regarding the XXXX account, They are reporting " derogatory " on a paid account. I have not received any response from them in over 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint regarding the identity theft that I experienced. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any information that was opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) a statement from the consumer confirming that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my several requests but still the same items were erroneous. The 3 credit Bureaus are required to validate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please reinvestigate the unverifiable items listed below : XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX
Product: Mortgage

5/3 mortgage insurance services paid homeowners insurance for another individual out of my escrow account. The payment occurred on XXXX for {$630.00}. I noticed this because later on XXXX I saw that my normal insurance premium was paid out of my escrow. I first notified 5/3 on about XXXX. They explained what had happened and confirmed that the policy paid was not my policy. Since 5/3 have contacted me with updates a few times and I have contacted them several times. On XXXX XXXX notified me that the other person 's insurance had agreed to refund the premium. On XXXX they notified me that the refund had been processed by the other person 's insurance but was sent to the wrong XXXX XXXX XXXX On XXXX 5/3 notified me that the refund had occurred. I called back XXXX to inform them that I did not see any refund in my mortgage transaction list.I do not understand why it is the insurance company 's job to refund the money that 5/3 took from me. On or about XXXX XXXX sent me a statement of escrow increase showing that the {$630.00} made my escrow negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second CFPB complaint regarding this company. I have submitted several written requests to Experian Credit Reporting agency to verify and validate incorrect information in my credit report. I have also asked them to supply the signed documents as proof that the creditor has the right to report this INCORRECT information on my report. They have consistently ignored my request for proof and stated that the items were " verified '' and UPDATED and to view my report, when in fact no updates have been made. How were they verified when there was no proof sent? By which measure was this account verified if there are no signed documents to show? This Credit Reporting Agency is willfully ignoring the FCRA and my request for proof of valid verification on accounts on my credit report. They have also insulted me as calling my requests frivolous, and denying my repeated request for verification. I am disgusted with there business practice and willful disobedience of Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX CLOSED ACCOUNT. 
DATE OPENED : XX/XX/2020 ORIGINAL BALANCE : {$6600.00} Collection This account is unauthorized and wasn't authorized by me. NO consent.
Product: Credit reporting or other personal consumer reports

This account contains inaccurate information which violates the FCRA. The dates closed on my XXXX and XXXX credit reports are different and do not match, and dates of last activity are inaccurate. On XXXX, the date closed is XXXX XXXX, XXXX, on XXXX the date closed is XX/XX/XXXX.
Product: Credit reporting

1st I submitted a dispute as " not mine '' the information came back as verified. After reading information on the internet ( dangerous, I know ) I came across the FCRA 605 ID theft request for block. Armed with knowledge I promptly went to the local police department and fill out a report in relation to Id theft ; I then filed an FTC affidavit. after all that work I was ready to tackle XXXX once more. I bundled all the information and sent it off! 4 days later received this ... Results Of Your Investigation ( For your security, the last XXXX digits of your credit account number ( s ) have been replaced by * ) XXXX We have reviewed the current address. The results are : The current address has been added/updated per the information you have supplied. XXXX We have reviewed your concerns and our conclusions are : Please be advised that Equifax , at this time, will not block the information subject to the submitted identity Theft and/or police report you provided as part of your dispute. We are contacting each creditor directly to verify The account/s on your behalf. We will also forward a copy of documents you have provided to each creditor for their Review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to evergreen professional asking to remove the collections account. I never received a response I have been making monthly payments ( direct withdrawal ) they take {$50.00} a month from me. It should be paid in full
Product: Credit reporting

While reviewing my EXPERIAN credit report, I noticed an unauthorized and fraudulent inquiry initiated by PNC BANK on XXXX/XXXX/2016. I did not authorize any employee of PNC BANK to review my records for any purpose at any time. I personally contacted PNC BANK and requested to have this adverse information deleted and also, to within 5 business days provide me with any verifiable signed documents that I may have signed authorizing this inquiry. To date PNC BANK has failed to provide me any documentation within 5 business days. This fraudulent inquiry is in clear violation of my civil rights under FCRA and PRIVACY Rights Act. As a direct result I have continued to suffer irreparable economic loss, including but not limited to my inability to securing meaningful employment, Housing and/or obtain new credit due largely in part to the gross negligence of PNC BANK acts and omission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Missouri XXXX XXXX has an open XXXX XXXX case on my credit. According to the law of the Federal Trade Commission it suppose to be on my credit report for 7 years. It has been on my credit report since 1998. The legal statue for the reporting has passed. My child is XXXX years old. Therefore, Missouri XXXX XXXX does not have an open case.
Product: Mortgage

I have a joint mortgage with this institution with my ex-husband. The dwelling has been transferred to solely me since XXXX as it was decreed in the final divorce agreement. My ex husband filed bankruptcy, but I was in no way involved with his bankruptcy claim and am currently ( and  have been ) paying on the debt that he defaulted on so have not been able to refinance. Every time I contact my bank, for any reason, I have to be transferred to the bankruptcy department, which always takes an inept amount of time and I never filed bankruptcy. I have to explain it every time I call the bank. On XX/XX/XXXX, I spoke to a representative named XXXX who said I could go through the Assumptions department and get my ex-husband 's name removed from the loan, so I was transferred to XXXX XXXX in the assumptions department. She explained that his name could be removed and gave me a list of estimated fees that would be associated with it, that totaled nearly XXXX. I asked for a written estimate detailing all of these fees, to which she stated she could not provide it, she could send me an email with " what to expect '' in the loan process, but that was the only thing she could provide in writing to me. She stated that none of the parameters of the loan would change, the interest rate, date that payment is due, etc. would change, the only change would be that his name would be removed from the loan, and the fees would be an out of pocket expense for me. I think this is an extremely unfair business practice, as I am already paying the debt he defaulted on, have not missed a payment on the mortgage and have remained in good standing with the bank throughout the entire process. I don't think that a written estimate is an outlandish request, and think that it is ridiculous to request almost XXXX to remove a name from a loan when the dwelling is not listed in his name anymore and has not been since XXXX.
Product: Credit card

On Thursday XX/XX/XXXX at XXXX pm our customer made a payment to our company through the Square Services. On Friday XX/XX/XXXX the money wasn't available yet. I called Square and they required my personal information for verification. On Monday XX/XX/XXXX I called again to check my account and they said to wait 1-2 business day to process this transaction. Later on the day Square sent me a message saying that they believe that this payment made was part of a stolen credit card scam. They asked to refund the money to avoid payment dispute. My complain is that either Square is holding our money or we have a credit card scam that needs to be investigated by the competent authorities aid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get this deleted off my credit report ever since XXXX this says it has been verified but at the same time they can't tell me what my credit limit is if I ever applied for credit with this company this is fraud CHILD SUPPORT XXXX XXXX Experian XXXX Account # : XXXX Account Type : Installment Account Type - Detail : Family support XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$5800.00} No. of Months ( terms ) : 1 High Credit : {$0.00} Credit Limit : {$0.00} Past Due : {$5800.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX
Product: Debt collection

On XX/XX/2023, XXXX XXXX sent me a letter purporting to be a debt collector attempting to collect an alleged debt from me. {$7100.00}, but will settle for payments totaling {$1000.00}. XX/XX/2023, I sent them a letter disputing this alleged debt, a cease & desist collection attempts, an invoice for FDCPA violations contained in the letter, and a pre-arbitration demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Child Support with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were XXXX days late payments on my credit report for the month of XX/XX/2021. I have read enough to understand my rights. The XXXX and Equifax  Credit Bureaus is required to verify for themselves, but they failed to neither verify nor update me about this complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax  shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax  are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}
Product: Credit reporting or other personal consumer reports

I have disputed multiple unknown and unauthorized hard inquires in my credit report and Equifax only keep updating them into my credit report which is affecting my credit score Also notice that when I pull my credit report says that I have XXXX account reporting negatively, however when Im going into my credit report says that I do not have any accounts in collections wich means they a not accurately reporting my credit score and is also hurting my credit score Ive request to see this accounts but I havent get an answer instead I got a mail letter that says that they couldnt match my information