23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an inquiry that was falsely made by WestLake Financial Services. This credit inquiry was made on XX/XX/XXXX. I sent a letter to the creditor via certified mail on XX/XX/XXXX which was received on XX/XX/XXXX, After more than 30 days passing from the time the letter was received, this company did not respond to my letter. I did not authorize anyone employed by Westlake Financial Services to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
XXXX and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX I am XXXX XXXX XXXX. 
I have some address that need to be off my credit file The following address are not mine : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX  XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are not mine please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN and XXXX are violating my rights by reporting inaccurate and unfair information on my consumer report to which I never gave direct consent. EXPERIAN is reporting that my account is in repossession. THIS IS FALSE! No repossession ever took place and this account is currently under dispute for XXXX 's fraudulent activities. I have notified EXPERIAN by post mail of these violations and have demanded that this information be deleted immediately! I have tried calling EXPERIAN and no representative can assist me with this matter. I am demanding that EXPERIAN comply with federal regulations regarding my consumer rights.
Product: Checking or savings account

XX/XX/29 I received an email saying my account was overdrawn by over {$480.00} and instantly checked my account and saw Wells Fargo took money out of my account without informing me first that they made an error with one of the claims I had in dispute. The amount of the claim was for {$650.00} and the investigation was completed and my money was returned into my account due to it being unauthorized. After XXXX I go to pay bills and money is just gone and they just said Im liable for this costs even though it was a FINAL CREDIT not PROVISIONAL CREDIT. They said they made an error and overpaid me which I can somewhat understand, but why wasnt I notified earlier or before my account was just charged without any explanation. I want my money back plus extra for stress and causing me to be behind on bills. Something must be done.
Product: Vehicle loan or lease

I am writing to express my deep concern and frustration regarding the inadequate and nonchalant response I have received from CAPITAL ONE AUTO FINANCE in relation to my ongoing credit dispute. Despite my repeated attempts to resolve these inaccuracies in my credit report, your company has consistently failed to address this issue appropriately. 

I am disturbed with the damaging effect it has on my credit profile and my credit standing. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
No doubt the inclusion of this inaccurate information is either a mistake on your part or on the part of the credit Bureaus. Due to the inaccuracies/mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted me. 
On XXXX of XX/XX/year>, I submitted a formal dispute concerning the inaccurate information being reported to the credit bureaus regarding the above-referenced account. On the XXXX of XXXX, you mailed out your response to me saying Capital one Auto Finance is Reporting Accurately. 
I disagreed with your outcome and went ahead to file my XXXX Dispute through the CFPB portal. On the XXXX of XXXX you responded saying you are going to conduct a research on my concerns and get back to me. 
You conducted your research and got back to me with the same outcome as the previous dispute. 
Based on all your research and findings I have not received a satisfactory response from you. I have observed a persistent lack of effort to correct the erroneous information, which has resulted in continued harm to my credit standing. 

I am writing to express my ongoing concern regarding the dispute I have initiated with Capital One Auto Finance. While this dispute is still in process, I have observed additional changes and errors on my credit report related to this account, which is causing me considerable stress and frustration. These errors are negatively affecting my XXXX XXXX and overall financial standing, and they appear to be directly linked to the ongoing issue with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have disputed the amount of {$830.00} ( Account # XXXX ) with Home Depot Credit Services XXXX to improper installation of a XXXX XXXX. While the XXXX XXXX was delivered it was improperly installed. I have paid for the washing machine was to be installed and ready to be used. That did not happen!!! The installer forgot to remove the shipping bolts from the back of the washing machine. As such, when the machine was used the shipping bolts prevented the washing machine from spinning thereby causing the washing machine to vibrate very badly and move uncontrollably through the laundry room causing damage to the walls and the furnace located in close proximity. The failure of the installer to remove the shipping bolts caused damage to the drum and internal parts and has negated the warranty for the product. The Home Depot Credit Services denied my complaint by letter dated XX/XX/2022 saying that their research revealed that the washing machine was delivered. Furthermore on on XX/XX/2022 the Home Depot Credit Services noted that they will provide special financing per my request. I did not request special financing but to receive the services that I have paid for. I received a faulty installation and a damaged washing machine. XXXX XXXX will need to replace both in order for payment to be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account over XXXX years old and paid in full. Never delinquent
Product: Debt collection

This is going to be a second time I am complaining about this Collection agency that Acts as a Lawyer on behalf of Plaintiff. 
If the principal purpose of your firm or your law practice is collecting consumer debts, then you probably know this already, and you know that you are a debt collector under the statute. See, e.g., Scott v. Jones, 964 F.2d 314, 316 ( 4th Cir. 1992 ) Therefore as I requested multiple times not statements, not a contract but an " assignment of Debt '' or " bill of sale '' of this debt, I still never received. 
I have recently received a demand again for payments and threat to garnish my salary or freeze my accounts. 
In this light than, as youre already aware, since 2015, with the State Attorney General of New York and the Credit Reporting Agencies, all companies, data furnishers and debt collectors must abide by the new Metro-2 data format and must CERTIFY in their Universal Data Forms that all information being submitted is equivalent to a sworn declaration, or else you may be liable for perjury with substantial fines. Please provide to me what I have requested so that you are protected as am I.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the beginning of 2017 all payment went through XXXX XXXX  as well they have a p.o.box that you remit payment and as you will see on my bank statement the payment constantly cleared on the XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XXXX or XXXX they held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistently look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.this was a bad mortgage and 95 % of the homes have gone into foreclosure because of the company who had completely wrong information. I have given them clear proof there information was incorrect for l years but especially 2017 in which it has taken over 3 months 90 days. i have correspondence with 7 different claims ofmy reporting, I have been forced to spend money that on obtaining an attorney. i have been a customer for 14 years and they will not give me a number to their attorney nor suppervisor.the must change my report and I am seeking damages and I want all of upper management and legal departments information
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have A Number Of Accounts On My Report That I Do Not Recognize Due To Inaccuracy. XXXX  The Only Bureau Thats Not Deleting These Accounts, Transunion Have Yet To Delete One Of The Accounts. I Have Sent In My Ftc Report With Clear Instructions On What Actions I Need To Be Taken. XXXX  Keep Treating The Issue As A Regular Dispute I Don't Think The Ftc Report Is Being Incuded.
Product: Payday loan, title loan, or personal loan

The synchrony bank closed my paypal account, with no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Mortgage

In XX/XX/2023, I called Citizens stating I will be late for XXXX payment. The representative offered me a forbearance plan, that it can be reviewed for XXXX, XXXX plus XXXX to XXXX. I said sure, why not. I was going through a hardship. I submitted the application, followed up on my end after XXXX to continue payments, but what told they are still reviewing my application, they told me I need to call in XXXX. XXXX week of XXXX they told me that my application is still being reviewed, to call In XXXX. When I called on XX/XX/XXXX, they told me there is a lien on my title and they closed my application. They closed my application since XXXX and nobody has contacted me. However, XX/XX/XXXX, the same day, I satisfied the lien as soon as I found this information out and submitted a new application. They reassured me they will be contacting me, I call every week for an update. I have callled numerous times to speak with a supervisor and nobody is ever available. Again in XXXX, my application has been closed due to liens on title and nobody has contacted me again!!! They told me they received my satisfaction of lien mid XXXX when I called. NOW THEY ARE TELLING ME TO SEND IT AGAIN AFTER CLOSING MY APPLICATION XX/XX/XXXX!! I have never received XXXX phone call from citizens. I have a print out of my telephone record, from my phone company itself to show no incoming calls have ever came from citizens. I am now about XXXX payments passed due, with no help from their team, and all I keep getting information from is people that are not even in the US. I need help with this! I need to be heard! 
THERE IS NO LIEN ON MY TITLE ANYMORE. THEY HIRE PEOPLE FROM OUTSIDE OF THE US TO HANDLE FORBEARANCE AND FORECLOSURES WITHOUT THEM SPEAKING PROPER ENGLISH TO BE ABLE TO PROPERLY ASSIST YOU. THEY DONT WANT YOU TO SAVE YOUR HOUSE. THEY ARE VERY UNETHICAL, FRAUDULENT AND THEIR CUSTOMER SERVICE IS HORRIBLE FOR A COMPANY LIKE THIS. THEY LIE AND LIE AND LIE. I NEED SOMEBODY TO HELP ME, NOT ASKING FOR A FAVOR! This is really life or death here. The agents really stay on the phone for 39 mins arguing with you about nobody being available to further assist you.
Product: Credit reporting or other personal consumer reports

I no longer have access to the email account under which I signed up for service from Experian. Due to this, there is no way to log in through their website. I called customer service multiple times during their posted business hours and their automated phone tree dead-ends with any option I attempt. There is no easy or clear way to fix this problem, and in the meantime I have a recurring bill every month they are charging me for. 

I can't get a hold of a live agent no matter what option I try. At first I tried using the automated system by providing information related to my issue. After many attempts I realized the system was designed XXXX XXXX me back to the website or write to Experian via snail mail. I tried other methods, such as asking to report fraud or start a credit freeze, all in an attempt to get a live person and it always ends with the suggestion to go to their website- which, TO BE CLEAR, can not resolve my problem. 

Experian is doing very well financially ( look it up ) but are obviously cutting costs with customer service at the EXPENSE of their customers.
Product: Debt collection

This is n't a complaint about an ATTEMPT to collect the wrong amount, this is a complaint that it ACTUALLY happened. 

I settled with XXXX ( XXXX a debt of {$120.00} for {$100.00} and instead of withdrawing {$100.00} from my account they took the full {$120.00}. 

I promptly called them back about the problem and was told that there is nothing they can do until Monday XXXX XXXX. This happened on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent the ftc violation with XXXX XXXX  and XXXX XXXX ftc violation
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information, which puts me ( along with about 143 million other US customers ) at risk. According to their website equifaxsecurity2017.com, I am listed as a potential victim of this breach, and I would like a resolution.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed {$0.00} XXXX XXXX XXXX XXXX Balance Owed {$0.00}
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 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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. 

Account XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$820.00} Needs Attention Overview You have XXXX XXXX left to pay on this collection. 

XXXX {$820.00} XXXX XXXX {$820.00} Opened XXXX. XXXX, XXXX ( XXXX mos ) Account XXXX XXXX XXXX XXXX XXXX XXXX Remarks. 
Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX Closed No Info Accuracy The balance and/or past due amount are/is incorrect. 
There were fraudulent charges made on this account. 


Account Balance {$430.00} Highest Balance {$430.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Account status- Open Type- Derogatory Responsibility- Individual Remarks- Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX Closed No Info Accuracy The balance and/or past due amount are/is incorrect. 
There were fraudulent charges made on this account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute a late payment reported on my credit file. The reported late payment associated with XXXX XXXX, account number XXXX, is inaccurate and requires immediate investigation under federal law. 

Pursuant to 15 U.S. Code 1681s-2 ( a ), furnishers of information are required to report only accurate information. Additionally, under 15 U.S. Code 1666b and 12 CFR 1026.13, consumers have the right to dispute billing errors, including incorrect late payment reporting. As this late payment was reported in error, I request its immediate removal from my credit report. 

I demand that if unable to do so or lacking proof of these payments being late. Please update my payment history to PAANL ( Paid as agreed never late ) Please conduct an investigation into this matter and provide written confirmation of the correction. If you are unable to verify the accuracy of this late payment, I request its removal per the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. Please provide a written response within 30 days, as required by law. If you need further information, feel free to contact me at the details above. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to address and prevent fraud on their platform, leaving my account unprotected and vulnerable. Furthermore, they're dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, And I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Statue of limitation has expired on this account ( XXXX XXXX XXXX ) and because of re- aging of the account makes it impossible to be removed. Please remove this account from my profile. The other 2 companies already removed it due to statue of limitations and transunion continue to report.
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. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

I went to check my credit and it said that CBNA did a hard inquiry on my credit.
Product: Checking or savings account

My small business account in Florida with XXXX XXXX was wrongfully levied on XX/XX/XXXX in the amount of {$9500.00} by Zachter PLLC, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX NJ XXXX XXXX, XXXX, XXXX, www.zachterlaw.com My Business bank account number appears on Marshal 's Docket # XXXX / Court Index # XXXX. I am not named, not associated or have any business dealings with this case and I was never served any notice in regards to my bank account named in this case. My wife and I have tried to reach the attorney 4 times via phone calls and emails as pursuant to the XXXX Marshal 's Office to resolve this matter immediately to no avail. 
This has created a great deal of hardships for our small business and to our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY they are inaccurate. MY CURRENT EMPLOYMER is XXXX All other addresses are not accurate. I need my correct information updated.I have some addresses on my credit file that are not accurate. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX