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

I believe that the company 's actions have been highly improper and have caused me significant distress. I urge you to investigate and resolve this matter promptly. 

To provide some context, my mother, who cosigned on the vehicle, recently filed for bankruptcy. As per the legal proceedings, an automatic stay was implemented, which is intended to protect debtors from creditor harassment and contact during the bankruptcy process. Despite this legal protection, I was shocked to receive communication from a collection agency while my mother 's bankruptcy case was ongoing. This blatant violation of the automatic stay has deeply troubled me. 

In an effort to address this issue and understand the situation better, I diligently attempted to contact Westlake Financial to seek clarification on the matter. However, my repeated attempts to reach your office were in vain. The lack of response or assistance from your representatives during this crucial time added to my frustration and confusion. 

To exacerbate the situation further, I recently discovered that Westlake Financial claims that I should have continued making payments on the vehicle during the bankruptcy process. However, I was never informed of this requirement and was under the impression that payments were temporarily suspended until the bankruptcy was discharged. It is highly unfair and unreasonable to hold me responsible for payments that were not explicitly communicated during this challenging time. 

Given the lack of communication, contradictory information, and the threat of vehicle repossession, I find myself deeply distressed and concerned about the actions of Westlake Financial. It is my belief that such behavior is unacceptable and undermines the trust I placed in your company as a valued customer. 

I urgently request that you rectify this matter and provide a swift resolution. I expect Westlake Financial to honor its legal and ethical obligations, respect the bankruptcy process, and ensure proper communication and transparency moving forward. I also request that any impending repossession proceedings be immediately halted while this issue is being addressed. 

I kindly ask for your prompt attention to this matter. Failure to provide a satisfactory resolution will leave me with no choice but to escalate this complaint through legal channels and explore other avenues for seeking redress. 

I look forward to your swift response and a prompt resolution to this distressing situation. 

I spoke with XXXX Bankruptcy Specialist Westlake Financial XXXX XXXX She was rude and showed no empathy and also assumed the conversation I had with agent without any notes on XX/XX/2023, XX/XX/XXXX I spoke with 2 customer service agents that said they could not discuss anything. 
XXXX XXXX XXXX, XXXX ( XXXX ) XXXX collection agency that demanded payment twice as of today
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern I was marked as 30 days late for the month of XXXX, XXXX by Fay Servicing. I believe this was done in error as Fay Servicing was experiencing a glitch in their online portal. I initially submitted a payment on XX/XX/XXXX, and yet on XX/XX/XXXX I realized that the funds were not withdrawn. I had to click several times for the payment to be submitted as there seemed to be a delay between clicking on the button and the processing of the payment. I believe the payment on XX/XX/XXXX wasn't submitted due to the fact that I had to click several times for it to go through. I am asking for a courtesy correction of the XXXX late reporting as it occurred due to a technical glitch, and I shouldnt be held liable for this technical issue In addition, Fay Servicing is a commercial loan, and shouldn't be reporting on my personal credit report! 


Please correct the above error or stop reporting this account on my personal CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer, have notified as communicated to the company EQUIFAX, with letter in mail XX/XX/2021 to cease and desist the 609 letters to XXXX  XXXX ( account # ending in XXXX ), for unauthorized use of reporting to my consumer report without my written consent to do so, which I also believe it is IDENTITY THEFT on XXXX  XXXX for sending in the documentation to the EQUIFAX reporting company. I am sending this complaint because the EQUIFAX reporting company continues to update 2or3 times each month, which brings my score lower than the normal 1 reporting time each month. The have already violated my rights as a consumer under 15 usc 1692 ( p ) law. I have a privacy right 15 usc 1681 and at this time I am exercising my right by filing this complaint.
Product: Credit card

This has never been my card and my identity was stolen. Please remove as this is not my account. Theres been a DATA breach in the credit bureau and need this removed ASAP from my credit as Im unable to apply for anything since its affecting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned last week, that XXXX XXXX has listed my prior loan with them as unpaid, they marked 7 late payments and my credit score is so low, I can not get a loan. I also come to find out they archived my information when speaking to XXXX in XXXX XXXX, therefore, I now know why when I inquired about issues I researched with my car, or other ones at the time, I was exluded and told my model wasn't a part of this. As a matter of fact in most cases my car doens n't exist to anything I would have had compensation or recall repair to. The main issue at hand however, is the false information, and the fact that illegally I was sent correspondence about the repossessoin ( after 3 months in which I admit I defaulted but due to complications from a prior accident ). So 7 late payments is wrong. Further, in the State of California, you are allowed to restore your status one in a twelve month period before they can make you pay the entire loan. You may do this twice in the lifetime of the loan. I was not given this opportunity, and even thought I fought them about it, the bottom line was, they had me by the XXXX  cause they had my car. So I paid {>= $1,000,000} which included all these fees and yet they have {$17000.00} ( not exact amount ) showing like I walked away from this. The impact on my credit score is worth over 125 points for sure, but possibly 200 because of their false number of missed payments. What really happened was I negotiated with them to remove the entire issue in return of not suing them for forcibly making me pay close to {$20000.00} with no sympathy that I had been XXXX. I get missing payments and late fees, I do not get when a fellow human being treats you this way. Furthermore, when I called Thursday XXXX, they were not even willing to write me a simple letter I could use for a finance lender or dealership that would have at least mentioned I wasn't some delinquent who ran from {$17000.00} which was actually closer to {$20000.00}. I wired the money by their demand to their credit dept in XXXX, IL who in turn waited almost a year to send my title back. this is my evidence of ownership signed off straight by XXXX XXXX. So they went and added 7 missed payments when it was 3, which includes the month and a half they negotiated not to do anything like this. And left me hanging. I can not get into my XXXX, there is no one to talk to, it bounces me back and forth and their phone has NO WAY to talk to a human, and I'm just so happy everyone had a great XXXX, while my granddaughter and I sat inside and have to walk until something is resolved. a XXXX score which is a lower score than this error would help my credit score, and I would have at least had a loan with a high APR which I will do in a heartbeat. This is XXXX. I have had that. Thought I was gon na XXXX. And now this? Both my jobs depend on this. Oh and by the way, I have a 3rd job that pays me nothing. Reaching out to homeless, hungry, and kids that have no resources during this time. I can not do any of this until this is resolved!
Product: Debt collection

On XX/XX/XXXX, I bought a new car when I was trying to swap the car Tag ( XXXX ) for the new one, the car dealer told me the car Tag has a toll debt of + {$800.00}, and for this reason, they gave a temporary tag, meanwhile, I will pay the total amount of tolls debt. 
On that day, XX/XX/XXXX, I paid the amount {$410.00}. 
On XX/XX/XXXX, I paid the amount of {$400.00} and {$60.00} the same day. 
I sent an e-mail to the car dealer agency to make the process for the car tag ( XXXX ) and then I received the new car registration with the same TAG number on XX/XX/XXXX. Actually, change the registration name to my Sister-in-law XXXX XXXX, because she was using the car. 
All these payments I did it using the XXXX app. 
On XX/XX/XXXX, the Florida Department of Transportation ( FDOT ), send me an invoice for {$490.00}, they said this amount is for the toll-by-plate before XX/XX/XXXX, and I have a due date on XXXX XXXX XXXX. 
On XXXX XXXX XXXX, i received a debt collector, for an amount of {$460.00} due an unpaid tolls with FDOT.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I have disputed this account in the past several times, the result comes back verified every time and I sent other letters after they sent the result saying it was verified and I requested of them to send information concerning Its my understanding that the credit bureaus have investigated this account and it keep coming back as verified. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I'm demanding the deletion of the following account. 
XXXX XXXXXXXX According to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer. The FCRA emphasizes the confidentiality, accuracy, relevancy, and proper utilization of consumer information include : Consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of consumer reports. Ive listed below some inaccuracy that I found with this account -The open date is different from TransUnion . -It 's a violation because all three are not consistent -The credit limit is different from XXXXIt 's a violation because all three are not consistent -The last reported is different from XXXXIt 's a violation because all three are not consistent -The 'date last active ' is different from Transunion and XXXXIt 's a violation because all three are not consistent The 'date of last " payment is different from XXXX-It 's a violation because all three are not consistent This account was charged off on the following the date ( XX/XX/year> ) Since the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge-off account should never include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 
Please delete immediately
Product: Credit reporting or other personal consumer reports

XXXX and XXXX is reporting incorrectly on my consumer report. Per FDCPA its your responsibility to make sure all information you report is correct. These XXXX accounts are in direct violation and so is the consumer reporting agency. I received a 1099C Cancellation of debt on both of these accounts and per the IRS publication it is now considered income and income isn't reported on the consumer report. You will find the attached forms.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX 30 DAY VIOLATION COMMITTED I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ). 

A DISPUTE LETTER WAS ISSUED ON XX/XX/XXXX AND TO DATE I HAVE NOT RECEIVED AN INVESTIGATIVE RESULTS REPORT, REFER TO ATTACHED LETTER. 

PLEASE SEE ATTACHED IDENTITY THEFT POLICE REPORT, AND IMMEDIATELY DELETE THE BELOW LISTED ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters directly to Experian certified mail stating that information on my credit profile needs to be verified or deleted from my profile. They have failed to verify the info and still continues to report.
Product: Credit card or prepaid card

Wells Fargo closed my account due to two payments being returned. The payments were returned because the linked bank account was compromised from a lost debit card, which I did not know when I made the payments. I have always made all of my payments on time and have never had a late payment. Even after Wells Fargo closed the account, I continued to make on time payments and the balance on the account bringing the account within terms of the cardholder agreement. The account is planned to be paid off with a {$0.00} balance by the end of the month. As a XXXX XXXX we sometimes do not get communication that our accounts may be compromised.
Product: Credit reporting or other personal consumer reports

XXXX alerted me on XXXX that there was an address change with TransUnion. I called TransUnion and learned that on XX/XX/23, an unknown person accessed my credit profile online and achieved security clearance using various kinds of my personal data in order to change the primary address for TransUnion credit bureau. The primary address they changed it to was : XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

I don't know this address. It is clear that numerous types of my personal data were stolen.
Product: Credit reporting or other personal consumer reports

AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Subject : Goodwill Request for Removal of Late Payment I am writing to you regarding my credit card account number XXXX. I want to express my sincere gratitude for the services I have received from AMERICAN EXPRESS and for the continued support in managing my loan. 

Recently, I noticed that my credit report shows a late payment on XXXX and XXXX. I fully acknowledge this mistake and take complete responsibility for it. However, I would like to provide some additional context that I believe is important for considering my request to remove this late payment from my credit report. 

During the period in question, I experienced an unexpected event. This exceptionally difficult situation temporarily affected my ability to manage my finances properly. Since then, I have taken significant steps to ensure that all my payments are made on time, and I have maintained an impeccable payment history. 

My payment history before and after this incident reflects my commitment and diligence in meeting my financial obligations. Attached to this letter are copies of payment receipts that demonstrate my on-time payment history. 

Given my effort to maintain a good account standing and my desire to improve my credit situation, I kindly request that you consider removing the record of this late payment from my credit report. Your understanding and cooperation in this matter would be greatly appreciated. 

Thank you for your time and attention to this request, and I look forward to a favorable response. If you need any further information or additional documentation, please do not hesitate to contact me. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XXXX of 2014 I lost my job working with XXXX XXXX under no fault of my own. I contacted Wells Fargo about the loss of my job and that I was having difficulty paying on my home. After I was approved for unemployment, I inquired for a short sale with Wells Fargo, Which I was then approved for. It appeared that everything was normal with the progress of the short sale. I found a real estate agent to represent me throughout this process and I was in regular contact with Wells Fargo. During the XXXX approximately XXXX I was not able to get in contact with the agent servicing the sale with Wells Fargo. I called and called back and left messages and never received a call back from the person servicing the short sale. Around late XXXX early XXXX time frame, I received a call from an appraiser about my property saying he was unable to access the premises. I told him that I live in another state and that I was unaware that anyone was needing to gain access to the property. I myself did not have access to the property being that is was broken into and Wells Fargo had secured the property. So, I told him that the property was boarded up and secure by Wells Fargo and he would have to talk to them to gain access to the property. About a month later I found out that my short sale was dropped because the appraiser could not get access to the property, and Wells Fargo billed me all the way from XXXX to XXXX when the final foreclosure notice came out. They said that I owed them approximately {$10000.00} which I could n't pay. I found a job in XXXX, but it was making less money than what I was making before. Prior to losing my job I had not been late on any payments to Wells Fargo and I owned the property for XXXX years. Wells Fargo, I told them that I was unable to contact the person that was servicing my short sale when I found out the short sale was dropped. They attempted to contact the same guy while I was on the phone. They said that they was going to send an email to him and start to reinitiate the short sale process again, but that never happened and it led to the eventual foreclosure this month in XXXX. I do n't know the exact date, but it has been foreclosed. This foreclosure has basically ruined my credit or the bank has and I could potentially lose the job that I have now because of this foreclosure. I do n't think that I was given a fair shake. I tried to do things in the proper way, but the lender became unresponsive. There was a XXXX of people that tried to work with me toward the end of the foreclosure but it was already too late. During when I was employed I was making approximately {$XXXX} a month. When I became unemployed, unemployment paid {$XXXX}. I could n't afford to pay the mortgage and live at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. 
XXXX XXXX XXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Updated : XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting 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  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 or other personal consumer reports

Navy Federal Credit Union account ( Account Number : XXX ) - I am disputing all information being reported to credit reporting agencies regarding the Navy Federal Credit Union account ( Account Number : XXX ). The report lists a balance of {$2500.00}, a balance updated on XX/XX/XXXX, a credit limit of {$3000.00}, a XXXX  XXXX monthly payment, an account opened on XX/XX/XXXX, a last payment date of XX/XX/XXXX, highest balance {$3000.00}, status closed, and responsibility individual. The payment history shows 1 late payment which is incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payment. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report. Thank you for your prompt attention.
Product: Debt collection

on XX/XX/2022 I attempted to call PORTFOLIO RECOV ASSOC in an attempt to clear this debt and i was told by XXXX XXXX that she could not help me because the account is no longer with them she then gave me a number to XXXX XXXX XXXX at XXXX and i spoke to a XXXX XXXX who stated that she could not transfer me to an attorney and i asked her how can i take care of this she stated that she can see and if i pay it it may be settled and i asked her how long she stated she does not know how long this takes and no one there will have a time frame and that there was nothing that could me sent to me. My complaint is that this is on my credit report and not one of these agencies could help me with clearing this off my credit report, i'm not understanding why both companies wish to make this process so stressful for me to get cleared.