23daVinci/CFPB_Complaints huggingface dataset:
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 involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the items in question and my last request was sent XX/XX/2021. 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 Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX  XXXX Balance : {$79.00} XXXX XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$160.00}
Product: Checking or savings account

My bank account was charged for a loan amount repayment of 3 installments XXXX and one installment of XXXX. 

I submitted a claim with moneylion but haven't heard anything back and I have talked to my bank. But my bank can not do anything since the charges haven't been posted.
Product: Mortgage

SLS took ownership of my HELOC account on XX/XX/2019 and it is now XX/XX/2019 and I have NEVER received a monthly statement of my account. My bills are due on the XX/XX/XXXX of the month and not only have I not received a statement for the past 3 months, I have no ONLINE access to verify the account balance, payments, details, etc. This is a clear violation of the Fair Practice Act with regards to TIMELY monthly statements.
Product: Money transfer, virtual currency, or money service

I submitted a payment to XXXX XXXX through Paypal using my default payment method - a XXXX credit card. Paypal did not attempt to charge my default payment method, but charged my XXXX checking account without my authorization. When I called them, they agreed they should charge the default payment method but refused to update the payment method on the transaction.
Product: Credit reporting or other personal consumer reports

I attempted to file a dispute online but was blocked by the system. 
I am attaching proof of four inaccurate accounts from pages 3 and 4 of the XX/XX/XXXX XXXX report XXXX belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not me. I am submitting a copy of the first page of my XXXX  utility bill due XX/XX/XXXX showing that my name is XXXX XXXX and NOT XXXX XXXX XXXX. 
This particular complaint is for XXXX XXXX listed under page 4 of the attached XXXX report XXXX dated XX/XX/XXXX for XXXX XXXX XXXX XXXX The payment history shows okay for XX/XX/XXXX yet the last payment was supposedly made in XX/XX/XXXX which makes no sense. XXXX XXXX shows as closed in XX/XX/XXXX on page 6 of the XX/XX/XXXX Trans Union report XXXX but the same account shows as open in XX/XX/XXXX on page 4 of XXXX report XXXX dated XX/XX/XXXX for XXXX  XXXX XXXX XXXX 

This account was never properly verified and I need to know the names and phone numbers of the persons from both the credit bureau and the bank/ financial institution . I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and the financial institution ( s ). I have no records of signing with my wet signature to authorize the account. 
I never received the true invoices signed under penalty of perjury confirming that the Bank/ financial institution provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock.

Finally, I never received the accounting statements from the financial institution related to the account i.e. 1099 0ID, 1096, INC, PRC and 1099.

On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years.

According to 15 USC 1681 s-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.

As a result, this invalid/ inaccurate XXXX  account must be deleted INSTANTLY from all of the credit bureaus. Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander USA is reporting to the 3 major credit bureaus that I opened an account with the XX/XX/2013. They are claiming I had a balance of {$16000.00}. This information is FALSE!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX  XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. please remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 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: Debt collection

CitiBank _ Best Buy Charged card. Called my ex husband telling him about my miss payment regarding my account which my ex husband is not a joint account holder. My ex husband repeatedly ask them not to call him anymore and that went on deaf ears.
Product: Money transfer, virtual currency, or money service

I am filing 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 prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their 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 ( 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 prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their 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 ( 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 prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their 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 ( 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 prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their 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
Product: Mortgage

My spouse and I are the first-time homebuyers. We applied to Bank of America for a Home loan Mortgage. Both of us are Bank of America clients since XX/XX/XXXX. The loan officer and bank did not inform us about not providing the loan estimate until 7 days after our application. We were rushed through the credit pull thus locking us in but were kept on hold whenever we are some clarity regarding the loan estimates. The bank executives are not transparent to the customers upfront and make them lose 2-3 weeks of time in an aggressive market. They changed their policy overnight to no longer provide loan estimates until we go under contract with a home purchase offer. This makes it very risky for us since lock ourselves with their loan application. 
This action has not only led to miscommunication, mistrust but also has caused us stress. 
I request CFBP to compel Bank of America to carry out more transparent practices.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of extreme concern and frustration regarding the persistent issues I have faced in correcting the late open and removing a charge-off status on my financial records. Despite my repeated attempts to address and rectify these issues over the past several months, the challenges persist, negatively impacting my creditworthiness and causing significant stress. I am seeking your immediate attention and resolution to this matter. I kindly request a thorough and expedited investigation into the root causes of these problems and the implementation of corrective measures to rectify and correct the late payments and remove the charge-off status promptly. If there are specific documents or information required from my end to facilitate the resolution process, please communicate those requirements at your earliest convenience. I believe in fair and accurate reporting practices, and I trust that Credit Bureaus will take immediate and necessary steps to address and rectify these issues. I am asking for your help to correct or remove these accounts in my credit file : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$34000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX XXXX Balance : {$9600.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX. XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX. XXXX XXXX XXXXBalance : {$460.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX. XXXX XXXX Balance : {$3600.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Vehicle loan or lease

I am submitting this complaint regarding my ongoing dispute with Westlake Financial Services and XXXX XXXX over a vehicle purchase that has yet to be fulfilled. 

On XX/XX/year>, I financed a vehicle through Westlake Financial Services from XXXX XXXX in Connecticut. Despite signing a contract, making a down payment of {$1500.00}, and securing a loan through Westlake, I have yet to receive the vehicle. I have made multiple attempts to resolve this issue, but both parties have failed to provide a solution. 

Key Issues : 1. Failure to Deliver Vehicle : XXXX XXXX has made continuous excuses for why the vehicle has not been shipped. Each time I follow up, the dealership provides a different reason for the delay. 
2. Westlake Financial Services Lack of Assistance : Although I have reached out to Westlake Financial Services multiple times regarding this fraudulent transaction, they have stated that they can not take action until XXXXXXXX XXXX provides an update. Meanwhile, I am being charged for a vehicle I do not have.

3. Revoked Business Status & F-Rating : After further research, I discovered that XXXX XXXX business license was revoked on the same day I purchased the vehicle ( XX/XX/year> ) and that the dealership has an F-rating with the BBB. This raises serious concerns about Westlake Financial Services failure to vet the businesses they finance and their unwillingness to assist in resolving fraudulent transactions. 
4. Unjust Financial Obligation : I have already made my first car payment for a vehicle I do not have. I am unable to cancel this contract and move forward with purchasing a reliable vehicle because Westlake refuses to take action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX, TX XXXX Subject : Charge-Off Dispute Dear XXXX I am writing to formally dispute the charge-off listed on my credit report under account number XXXX. Upon reviewing my credit report, I have found inaccurate or incomplete information regarding this account, and I am requesting a thorough investigation into this matter under the Fair Credit Reporting Act ( FCRA ). 
This account is not accurate and there are many errors.

Section 623 ( 15 U.S.C. 1681s-2 ) : Prohibits furnishers ( creditors ) from reporting inaccurate information and requires them to correct or delete inaccurate information.

FCRA Section 604 ( 15 U.S.C. 1681b ) outlines permissible purposes for accessing credit reports, which do not include direct reporting of a consumers income. 


The details of the dispute are as follows : Creditor Name : [ Name of creditor reporting the charge-off ] Account Number : [ Account Number or reference number ] Reason for Dispute : [ Explain why you believe the charge-off is inaccurate. Examples include incorrect account balance, payment history inaccuracies, account not belonging to you, identity theft, etc. ] To assist with your investigation, I have attached copies of relevant documents that support my dispute, including [ list supporting documents, such as payment records, correspondence, identity theft reports, etc. ]. Please review these documents and correct the inaccurate information on my credit report. 

As required by the FCRA, I request that you provide written confirmation of your findings and update my credit report to reflect accurate information. If you are unable to verify the accuracy of the charge-off, I request that it be removed from my credit file entirely. 
Please acknowledge receipt of this letter within 30 days and provide a resolution as soon as possible. If you need additional information or documents to resolve this dispute, you may contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, [ Your Name ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two credit cards showing on my credit report from XXXX, however, neither of these accounts are mine. I have a relationship with XXXX, but only as the provider for my checking / savings accounts, never as a credit card servicer. 

The credit cards were likely a result of identity theft, as the address on the account was an address I have not used in several years ( XXXX XXXX, FL vs. XXXX XXXX, FL ). I have spoken to XXXX in depth about these accounts ; they have assured me they would be removed, but to date, they have not been removed or adjusted to reflect a dispute. This is preventing me from getting credit with anyone, including XXXX.
Product: Vehicle loan or lease

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on BMW FIN SVC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Checking or savings account

My former employer provided health benefits with an HSA account that they setup with a local bank in XXXX, Fifth Third Bank. I tried to close the account and they said that they were going to charge me a fee and in addition, they have been charging me a monthly fee on a deposit account with no activity for years now. I have ignored the problem in large part because of the inconvenience but they have now drained more than half of the assets from the account, have constantly cancelled debit cards or not provided a way for me to access my funds and still insist on charging me a $XXXX fee simply to retrieve my own money and close the account (which is less than half of what it originally was due to service fees). When I call they have absolutely no regard for this problem and insist that these were part of the terms of my account. I did not chose the financial institution because it was an employer supplied HSA plan. I am extremely frustrated and out hundreds of dollars in fees on an account I did not use and have basically left as a deposit for them for years.
Product: Credit reporting or other personal consumer reports

I have sent several letters to your XXXX XXXX ( XXXX - XXXX XXXX ) ACCOUNT XXXX and Trans Union company dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to request that these items be removed if not validated by the furnisher. I also sent documentation that the repossession on my credit from XXXXXXXX XXXX XXXX XXXXXXXX was submitted inaccurate by the furnisher, documentation attached here as well. Nothing has been done by the furnisher or credit bureaus neither have I received any correspondence from them. 

I also requested that these inquires are removed as according to the FCRA LAW, I did not give these companies permission to pull my credit. 
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 or other personal consumer reports

I have a collections charge on my account for XXXX XXXX. This is because they claim that I did not pay several months worth of bills in early 2024. I called XXXX in late XXXX or early XX/XX/year> to cancel the account since I was moving shortly thereafter. The call rep went through the normal heroics and scare tactics trying to keep me as a customer. I eventually got him to close the account. He confirmed over the phone that the account was closed and in good standing. The next month, XXXX continued to bill me. I did not pay these bills because I had confirmation that the service was disconnected and my account was close with a {$0.00} balance. After a few months they sent me to collections for the {$200.00} or so they said I owed. I have fought this collection on all three credit reports, and I have won with I believe XXXX and XXXX. However, I have submited the dispute several times with Transunion, but they have not removed the collections charge. I am getting denied loans because of this fraudulent collections charge. I need it removed. Thank you. I do not have documentation of account closure since it was all done over the phone- exactly as XXXX funneled me to do, and per their own instructions for account closure.
Product: Credit reporting or other personal consumer reports

I have a secured XXXX with Capitol One. 

Several times I have ask when I will get a secured deposit back. 

Im told they dont know. 

Its been over a year now and I need your help getting it! 

I have a very good history of paying Capital One. 

Im also not seeing any increase after I pay Capitol One in my credit score. 

Best Regards, XXXX XXXX