23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This account does not belong to me. There were no bills provided on this account since the opening date. I was not at the residence during the time this account was opened or generated. This account was created in Fraud. I have explained this several times to the collection agency and they continue with scare tactics causing a tremendous amount of stress and XXXX. This fraudulent balance is affecting my way of life and preventing me from getting approved for credit.
Product: Debt collection

What Happened : In XXXX XXXX, I was contacted by XXXX, XXXX XXXX XXXX XXXX XXXX, regarding an alleged debt owed to Westlake Financial Services. Their representative, XXXX XXXX, engaged in behavior that I believe violates the Fair Debt Collection Practices Act ( FDCPA ). 

Dates and Key Actions : XXXX XXXX : XXXX XXXX sent multiple emails threatening litigation and adverse actions, including " black flagging '' my business with auction houses. He claimed to be working with " local counsel '' and stated that I should " prepare for consequences '' if I did not comply. 

Phone Call in XXXX XXXX  : During a phone call, XXXX XXXX implied he was an attorney or led me to believe he was representing Westlake and asked for prior communications I had sent to Westlake. He later denied this representation in an email and referenced recorded calls without prior notification that I am aware of.

Westlakes Actions : Westlake has refused to engage with me directly, claiming that the matter has been fully handed over to XXXX, XXXX & XXXX, despite my requests for assistance with contractual disputes regarding their breaches of the Master Dealer Agreement ( MDA ). 

I made a good-faith effort to settle the matter, including offering to resolve the debt for {$5000.00}, but XXXX XXXX dismissed this offer in a hostile manner. Additionally, I contacted Westlake Financial Services ' compliance department on XXXX XXXX XXXX, at XXXX XXXX, but they refused to speak with me. 

Actions I Have Taken : I have sent formal letters and emails to Westlake Financial Services detailing breaches of the MDA, including their failure to enforce insurance requirements and assist with title issues, which directly contributed to the financial losses tied to this debt. 

I attempted to negotiate a fair settlement with XXXX, XXXXXXXX XXXX XXXXXXXX but was met with threats and intimidation. 

I have maintained detailed documentation of all communications with Westlake and XXXX, XXXXXXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

DISPUTING INQUIRIES ONLY please delete and remove the following inquiries from my credit prole due to right to privacy PREVIOUSLY I DISPUTED THE INQUIRIES ONLY NOT ANY PERSONAL ACCOUNTS SEVERAL TIMES AND THEY REFUSED TO REMOVE THE INQUIRIES. I didn't receive any personal extended credit from the agencies below : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I disputed the credit inquiries by phone and online WITH EACH credit BUREAU BEFORE I led THIS adavit. The credit bureaus have failed to remove the disputed information leaving me no other choice but to XXXX this adavit. The credit consumer agencies HAVE violated my rights PREVIOUSLY BEFORE WITHOUT PROPER OPTIONS I have EXHAUSTED ALL MY remedies when disputing incorrect information from the credit prole other than to report to consumer protection agencies. THE ONLINE DISPUTE CENTER portals do not WORK WHEN I DISPUTE NEGATIVE INFO ON THE CREDIT REPORT.
Product: Debt collection

I have received multiple phone calls from ARS National Services. They have repeated called my friends and family. I asked them to send me a debt validation letter in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two new inquiries were reported on my credit information. One was a PayPal MasterCard and the other was something called XXXX finances. Just recently these past couple days. I did not apply or sign up for any new credit cards or loans and cant get a hold of anyone to dispute.
Product: Mortgage

My husband and I got approved for a mortgage. The whole process was a disaster. The mortgage company got bought out without us knowing. The mortgage company was late on everything. The sellers got mad and put the house back on the market and because everything was delayed. At the end our mortgage got denied and the sellers refused to give out {$15000.00} deposit back. The realtor was no help told us to deal with it ourselves. We had to do mediation that did not go well. We had to get a lawyer and at the end lost half of our deposit. The whole process was a disaster. The mortgage company defiantly messed up with us and the realtor as well. Please help
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$660.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX {$660.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX XXXX Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX. 

OneMain Financial Subject : Formal Request to Delete Inaccurate Account Information Dear Sir/Madam, I am writing to formally dispute inaccuracies in the information reported on my account with OneMain Financial. Upon reviewing my credit report dated XX/XX/year>, I identified several errors that significantly misrepresent my account history. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my creditworthiness. 
The following issues are of particular concern : Reported Balance : My balance is listed as {$12000.00}, which does not accurately reflect my payment history or current balance. 

Payment History : The report claims I have made only 50 % of payments on time, which is false. My records demonstrate consistent and timely payments.Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), inaccurate or unverifiable information must be corrected or removed from my credit report. Specifically : 15 U.S.C. 1681i ( a ) : You are required to investigate disputed information within XXXX days of receipt of this letter.

15 U.S.C. 1681s-2 ( b ) : As the furnisher of information, you are required to conduct a reasonable investigation and promptly delete inaccurate, incomplete, or unverifiable data from credit reports. 
Given the inaccuracies in the information provided and the harm it has caused, I am requesting that the account information in question be immediately deleted from my credit report. 
Please confirm in writing that this account has been deleted, or provide documentation verifying the accuracy of the reported balance and payment history. If the account is not deleted or properly verified, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Additionally, I reserve the right to pursue legal remedies under 15 U.S.C. 1681n ( civil liability for willful noncompliance ) and 15 U.S.C. 1681o ( civil liability for negligent noncompliance ). 
For your review, I have attached copies of payment receipts and account statements to support my claim. Please respond to this letter within XXXX  days as required by law. 
Thank you for your immediate attention to this matter. You may contact me at the phone number or email listed above with any questions. 
Sincerely, XXXX XXXX XXXX.
Product: Debt collection

recently obtain a copy of my credit report and noticed accounts i did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has this information listed in my credit report. This information is inaccurate and does not belong on my credit report:NoticesAs part of our fraud protection efforts, a notice with additional information may appear on your Report. Notices are not disputable online. If you believe that this information is incorrect, please contact an Experian Specialist for assistance at XXXX This address has pertained to a business: XXXX XXXX XXXX XXXX XXXX TX XXXX .XXXX  XXXX: XXXX XXXX XXXX XXXX XXXX TX, XXXX."
Product: Mortgage

I am unable to make my mortgage payment through the app because I am paying 1 month ahead. I would like to keep this credit on my account. I have to contact the mortgage company each month to make my payment because of this restriction. I have spoken to each representative and asked that they apply my payment to the next month 's payment. Everytime, for three months, they have applied my payment to the principal balance. I have clarified on my last two phone calls, I do not wish for my funds to be posted this way and they assure me I don't have to worry. They are wasting my time not posting my payments correctly and by not allowing me to pay on the app.
Product: Vehicle loan or lease

Wells Fargo screwed us on a loan with an XXXX XXXX!! They would tell us we was having payments moved to the end and charge us fees that was never discussed. They repoed our truck once after telling us they where moving payments to the end and had to pay over {$1500.00} to get the truck back. They were the most terrible company I ever had to deal with.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Equifax, alleging systemic 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 Equifax 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 or amend the disputed accounts, as Equifaxs inaction violates federal law, and my rights as a consumer.
Product: Credit card or prepaid card

See attatched XX/XX/2019 statement. XX/XX/2019 I REPORTED XXXX AS UNAUTHORIZED CHARGES {$170.00} & {$170.00} USAA NEVER SENT ME DOCUMENTATION ON THESE WHEN DID USAA INVESTIGATION COMPLETE??? WHY HAVE I NEVER BEEN NOTIFIED RESULTS OF THE INVESTIGATION? PLEASE SEND ME WRITTEN DOCUMENTATION OF COMPLETED INVESTIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been a victim of identity theft, today XX/XX/2021 i got an alert stating my socre dropped so i decided to look into my credit reports. i noticed 2 accounts that are not familar to my credit history or transactions i have made or authorized. please see attached Federal trade commission identity theft report i filed
Product: Debt collection

mortgage company refuses to pay my taxes. Yes I pay them for my taxes.
Product: Checking or savings account

ON THE XX/XX/2020 I RECEIVED A TEXT FORM A COMPANY USING " XXXX  NAME THEY LOOKING FOR PEOPLE TO HOLD A XXXX  SIGN IN MY CAR I ACCEPTED THE TEXT FOLLOW UP WITH MONDAY THE XX/XX/XXXX I RECEIVED AND EMAIL(XXXX)  REGARDING THE SAME PERSON I GOING TO GET A CHECK FOR $XXXX AND THEN SAY THAT I WILL KEEP $XXXX   MY WEEKLY PAY AND THE REST GOING TO AN INSTALLATION GUY BY BITCOIN I DEPOSED THE CHECK ON WEDNESDAY XX/XX/2020- AND WITHDRAWAL $XXXX ON FRIDAY TO SEND FOR THE INSTALLER ON SATURDAY XX/XX/2020 I NEVER KNEW ITS WAS FRAUD UNTIL THIS MORNING THE BLOCK MY ACCOUNT AND ALL MONEY WAS FRAUD I NEED MY BANK TO OPEN MY ACCOUNT FOR ME AND HELP ME PAY THE FEE
Product: Debt collection

After reviewing my credit report on XX/XX/2023, the account does not reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed. I do not believe the account belongs to me nor do I belleve that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Today, I received a letter from TransUnion, which the company stated that information I disputed could not find on my TransUnion report. Since I do not remember whether I have ever made any dispute with this company, I file this with a template.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I applied to credit cards I didn't know it was going to be a hard pull, also when I applied to a auto loan I didn't consent with them running my credit more than once they pulled the credit and more than one reports popped up.
Product: Credit reporting

I requested a XXXX VISA SIGNATURE CARD,, XXXX BANK XXXX REFUSED ME BASED ON AN EQUIFAX REPORT REFERENCE NUMBER XXXX. " Not enough accounts opened long enough to establish a credit history. '' I am a XXXX who lives in XXXX 6 months a year and Equifax should search my history based on my XXXX file and my social security number XXXX XXXX XXXX, I have a good credit history in XXXX.
Product: Debt collection

i sent 4 different letter to account resolution service on XX/XX/2020 about items on my credit report with different alleged balances that they say i owe. i have attached the letter below in the complaint for your reading.
Product: Checking or savings account

US Bank employee in XXXX, Iowa giving out account information to unauthorized people. Violating my privacy and many others. At minimum unprofessional but also illegal and further action my be neccessary.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 i requested that that the two collections on my credit reports be validated and i received no response what so ever. I have tried to dispute this with all three credit bureaus as well and they refuse to acknowledge my request. I have a right to know what is in my file and who provided it without my consent. Currently it is two collections on that is being reported by the name of ( XXXX XXXX XXXX XXXX XXXX with a balance of {$1800.00} ). The second collection account that is being reported is by the name of ( XXXX XXXX XXXX XXXX with a balance of {$8600.00} ). I also know that I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. Not one of these companies can provide me a signature stating that i authorized the provider to release my medical information to them and that is a violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

First and foremost, I assert that my right to privacy is of utmost importance. This dispute letter serves as my enforcement of that right. Under 15 U.S. Code 1681 ( a ) ( 4 ), you bear the full responsibility to " exercise your significant duties with fairness, impartiality, and a respect for the consumers right to privacy. '' I am invoking this right as outlined by the code. Please ensure the following information is treated with the highest level of fairness, impartiality, and respect for my privacy. In accordance with 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized this company to access my information. They are in clear violation of this law. I request that these accounts be removed from my credit report as they are damaging my reputation, character, creditworthiness, credit standing, credit capacity, and more. Given your obligation to protect my privacy, I require that this issue be addressed with the utmost urgency. 
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

My chapter XXXX case is still showing petition when the case should be showing close. Complete. Reached out to credit bureaus and not updated
Product: Credit reporting or other personal consumer reports

XX/XX/year>2025 I submitted an application for an XXXX and was denied due to the credit score. The credit score from the company it was requested from was extremely lower than my known credit score. I was informed that the credit score was given from XXXX. I have proof that my XXXX credit score on my XXXX account is a different number given.
Product: Bank account or service

why is my account access limited? 

Your account access has been limited for the following reason ( s ) : XXXX XXXX, 2016 : We need additional information on your recent transactions and account activity. 

( Your case ID for this reason is XXXX. ) This limitation can not be appealed. 
I Do n't Know What They Talking About They Said I Have More Then One Account I Told Them I Have Only One Account They Lied And Somebody I Spoke With tonight Name Atas Got A Nasty Attitude Some I Am Filing Another Complaint Because They Said I Ca n't Use They Service No More But They Have My SSN Bank Account And Credit Card Information On File And Wo n't Take It Off And I Ca n't Use Their Services No More