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

The following account is inaccurate and is in clear violation of my privacy. Which is a violation of the law. 
This is embarrassing and damaging to my FAMILY AND MY reputation as a consumer. As the consumer, I demand the following accounts BE UPDATED TO be PAID AS AGREED immediately.
Product: Vehicle loan or lease

First : you do n't have the right category listed for my problem : My problem is : Ally Bank customer service is not willing to provide the dealer payoff amount to me. They are only willing to provide customer payoff and no other info. I spoke to the managers at both departments. The secrecy around car business is extremely disturbing. A lot of people are getting ripped off real bad. In this case, I need the dealer payoff, to estimate if the dealer would buy the car from me. If the loan has a negative or positive equity. In order to just estimate that, I would have to go to the dealer, provide all my personal info and sit at least an hour, before that dealer payoff quote is received by the dealer. After that, the dealer might or might not wan na give me that amount either. This is absurd. The car business is so dirty, the laws must be improved to help customers. And by the way, I called my car salesman 3 times, left 3 voicemails, and he never called me back. I already sit there for an hour, I am not going back to sit more for nothing ... So how would I ever get my car deal done???
Product: Checking or savings account

Wells Fargo opened an account in my name, I continued to receive statements. I called them multiple times to close the account and find out who opened the account. I would like to report this as fraud.
Product: Debt collection

I have mailed Certified and Certificate of delivery letters to Blakely Witt Requesting Debt Validation but the company never responded. I have also file a complaint with the Better Business Bureau. The Company keep Verifying a Balance on my CR but never sending documentation to myself to support their claim. In this case the debt should be removed because according to Texas State Laws and the Fair Debt Collection Practices Act the debt has reached the SOL from original delinquency date Dating back to XX/XX/XXXXfrom Original Creditor. Also, Blakely-Witt & Assoc. do not have the right to collect in the State of Texas. According to the State of Texas no debt collector can collect unless they are registered by the state. I have also requested Validation that I am liable for the debt and I requested Blakely-Witt provide an agreement with the Creditor that authorizes the company to collect on said debt. This has been an ongoing process and Im terribly exhausted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to let you know that I have a US Bank credit card and there is incorrect information reporting on my credit report. On XX/XX/2021, there is a late payment reporting. During this time I was diagnosed with XXXX, I was unemployed, and my life was a disaster. I am aware of my rights and I contacted the companies I have credit cards with to notify them that I would be late this month. Everyone I notified did not report a late payment on my credit report. Today, I checked my credit report and saw that US Bank is reporting a late for the month XXXX XXXX XXXX  even though I called and notified customer service about my issue. This was not my fault that I was late and I did everything in my power to pay you guys my payment as soon as possible. I am in the home buying process and this is the only negative mark I've ever had in my whole life on my credit. I am asking you to please remove the late reporting on this account. I would be very happy, as I have done all that I can to be a good customer to your company and I am happy with being a client with your company I just would like this problem resolved as soon as possible as it is holding me back a lot. 

Thank you for your understanding and cooperation with me on this issue.
Product: Credit reporting or other personal consumer reports

I am lodging a formal complaint regarding discrepancies found on my credit report, which are in direct violation of the Fair Credit Reporting Act ( FCRA ) and have resulted in considerable distress to me as a consumer. 
I am a XXXX XXXX American woman with a long standing professional background in XXXX. My career has taught me the significance of detail, accuracy, and ethical conduct principles that I find alarmingly compromised in my recent credit reports, prepared by XXXX, Equifax and XXXX Credit Agencies. 
According to 15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting. Finding there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Consumer reporting agencies are required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. I have found copious amounts of inaccuracies all throughout my credit report and each one is a violation. Not to mention, reporting transaction history is illegal. 
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not given written instructions or permission for XXXX, XXXX or Equifax to furnish my consumer report and this is a clear violation of the FCRA and an infringement of my consumer rights. 

15 USC 1666b addresses timing of payments and states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Therefore all of my accounts should be PAID AS AGREED What amplifies my concern is the presence of inquires on my credit report that I am not aware of where they come from. P.L 90-321 ( 82 Stat. 146 ) which is law, law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) The repercussions of such inaccuracies and unauthorized information has been profoundly damaging. As a professional with aspirations for personal financial growth, these errors risk my access to credit, housing, and even employment opportunities. The XXXX and time consumed trying to rectify these issues are burdensome and exhausting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get Self financial off of my Credit Report for 2 Months with no luck except with XXXX who deleted it. XXXX displays SBNASELFLNDR saying that it's under collection or Closed. I reported identity theft months ago regarding this and also sent the report more than once to the right email I know it's right. The second account is the same this but trying to get me to pay under another bureau and it's called XXXX who I also told this was identity theft and sent the documents. This has been a stress and caused me to miss work and emotionally been crushing me having to complete a process over and over. I would like this removed.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didnt follow XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights
Product: Consumer Loan

I 've been paying them for 13 mos. I owed them {$2500.00} they charge me for monthly of XXXX. I paid them total of XXXX. But XX/XX/XXXX I got laid off. Until now I do n't have work. But they keep on bugging me. How can I pay them but actually I Paid them the whole amount I owe with interest. But they said I have to pay them until XX/XX/XXXX. That is too much. And I do n't have work how can I pay them. They keep on calling me and sending me email. THey used different number on calling me and this is too much. The company name is XXXX ( payday loan )
Product: Debt collection

This company is trying to collect payment when the medical process was insured, and the company failed to submit paperwork for a claim
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX University is going through a lawsuit and is required to have all negative remarks removed from students credit report. The 2 late payments needs to be removed off the credit report. There is also supporting documentation for this matter. 
XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

i use paypal service sent money 2 x total of XXXX first time XXXX including fees then another 54 ones i sent to were blocked and was unable to access email was totld was given wrong email address paypal refused to refund money i have gone in cicles on issue since XX/XX/XXXX but paypal got rude and nasty to me complaint ref is XXXX im on XXXX XXXX so unable to do anything twice i think paypal stole money and kept for themselfs
Product: Credit card

American Express promised me that they would not report me as being late for the month of XXXX XXXX XXXX under the Fair Credit Reporting Act 15 U.S.C. 1681. I was never late before or after the XXXX related issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to cosign for my son a car and after being there for about 4 hours my son was denied for his car because of me being a cosigner. I went home and pulled my credit on one of those credit sites and there are some things on there that are not mine. I've contacted the FTC and my local police and I'm doing all this on my own. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and there is a bankruptcy showing on my credit as well. I have never even thought of a bankruptcy. Please have these items taken off my credit Thank you
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/year> Account name : XXXX XXXX  Date of inquiry : XX/XX/year> Account name : XXXX XXXX XXXX of inquiry : XX/XX/year> Account name XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Account name : XXXXXXXX XXXX  Date of inquiry : XX/XX/year> Account name : XXXX Date of inquiry : XX/XX/year>
Product: Debt collection

I just learned of this collection through XXXX XXXX and not from the collectors themselves. I had no clue that these accounts were in collections and have been placed in this manner.
Product: Debt collection

I already submitted my original complaint, Nelnet actually sent me my copy b 1099 C which means my student loan debt has been paid. They claimed I falsified documents but this document Im attaching clearly says its from Nelnet Inc and they accepted my tender of payment.
Product: Credit reporting or other personal consumer reports

Transunion have reported inaccurate information to my credit file. I have recorded and expressed several complaints regarding the inaccuracies, and are willfully reporting information that is harmful to my ability to extend my credit. I have attached and highlighted the inaccuracies in my credit report in the attachments.
Product: Credit reporting or other personal consumer reports

I am writing to address several concerns I've encountered with the credit bureau, including incorrect account listings, inaccurate credit reporting, billing errors, and accounts that are not mine.I would appreciate your help in resolving these issues to maintain my financial stability.
Product: Vehicle loan or lease

Westlake Financial The right to an accurate, timely credit report is the rights consumers have by law. 
The FCRA acknowledges the need for accurate consumer credit information for the banking system to work smoothly. And so, the law gives consumers the right to have inaccurate, incomplete, and outdated information removed from their credit reports. I have disputed many times with the credit bureau XXXX consistently. It has been well over 30 days and the errors being reported have not been corrected. The date of purchase for this particular vehicle in question I have requested due to inaccurate reporting. The payment history starting with the very first payment that was paid. The payment on XX/XX/2018 of payment in full and then another payment being made on the XXXX of XX/XX/2018 and then reporting that following XXXX of only a {$50.00} payment and asking for a payment forgiveness which then was reported delinquent or past due for that month of XXXX. The beginning balance of the loan and the purchase amount are inaccurate. The ending balance that is saying charge off amount and of bad debt is also inaccurate. Due to the many attempts to reach out to Westlake Financial to update the errors of the reporting of my credit report and the effort they have shown to NOT correct there inaccurate reportings by law and by the rights of consumers with investigation and reinvestigation I am requesting with prompt demand that all prior and from here on to date that Westlake Financial STOP, REMOVE and DELETE any and all acts of reporting to all 3 credit bureau 's effective immediately. 
Thank you
Product: Credit reporting or other personal consumer reports

I the consumer attempted to contact Credit Services multiple time regarding this inaccurate information. My information was leaked in an XXXX data breach and this information is not accurate. After telling them my credit report does not reflect current of accurate information they have yet to remove invalid information causing a reflection of misleading credit report. This is damaging to my reputation and consumer file. Please delete this false account
Product: Credit reporting or other personal consumer reports

This information isn't authorized and I didn't take out or use any student loans. I have tried contacting the creditor and the school but they keep giving me the run around about closing the account or investigating the account as it wasn't used by me. 

There are 4 accounts open totaling {$10000.00} being reported on my credit report. It shows open and never late but I never made any payments on an account I have no knowledge of. I would like this closed and removed immediately. I have also contacted Experian, XXXX and XXXX and they fail to investigate to validate the loans to have them removed and deleted! 

Attached is FTC report that lists the loans as a creditor or apartment but not sure why it doesn't list as loan. 

FCRA law. 
Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit reporting agency I havent been applying for any credit I have over 40 inquiries I have called the companies and they have done nothing about it XXXX XXXX XXXX three times XXXX XXXX XXXXXXXX XXXX once they pulled twice XXXX XXXX XXXX XXXX XXXX XXXX bank XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX direct Its so many I have not authorized any of these companies to pull my credit
Product: Credit reporting or other personal consumer reports

Company agreed to delete account and has refused to delete the account from my credit report.
Product: Mortgage

My family and i have been trying to settle this debt for 3 years with this company. We have filed multiple complaints with CFPB to try to force the issue but they were unwilling to do that for a reason we can't fathom. Now they have filed a lawsuit and their legal representative clearly stated on a court mandated conference call 'they just want what they are owed. ' We thought about it and realized that selling the property would settle the account and end this. It hasn't. We have found an investor that is willing to write a check ASAP for the full {$220000.00} that they are suing us for but they are dragging their feet. None of this makes any sense that any us can comprehend, my family or the investors.
Product: Checking or savings account

My XXXX XXXX XXXX mom and I share a checking account with chase bank. On XX/XX/XXXX we noticed small increments being deposited to our account. XXXX cents, XXXX cents etc. the next day we noticed multiple phone transfers to an account XXXX by XXXX that we never heard of totaling {$4900.00}. Chase revered the charges but then days later reversed the reversal leaving our account- {$4700.00}. This should have been a red flag at chase since I only had {$400.00} in my account. I went to see local branch manager, spent hours and hours on the phone with claims and fraud dept to no avail. I then called chase corporate. I got the same answer from everyone. Nothing they could do. I even sent email to XXXX XXXXXXXX XXXX of chase. Havent heard from his office yet. 
They now want my mom to pay pack all this money which is crazy. She only had {$400.00} in her account. They said they got in touch me an I agreed these transactions were legit. I never, ever would agree to something like that. Doesnt make any sense. They are now taking my moms social security checks to pay this money back, that was their mistake, leaving her penniless. All we want is for her account to be whole. The {$400.00} and social security check, {$1700.00}. On XX/XX/XXXX they will take her next social security check. 
Please, if anyone could help us.
Product: Debt collection

Dear Sir or Madam, my issue concerns a collection which is fraudulent and which despite being disputed by myself with collection agency operators and through communication with the credit bureaus and with the original company, persists to this day. 

The account was with target which is owned by TD Bank. I was issued a store card in XXXX. The amount eventually was approx {$3000.00} dollars. I used the card 2 times to purchase sundries and then approx {$200.00} worth of lamps which did not work after a week and which I took back for a credit. 

At first Target billed me for a late payment when I called they reversed this stating that it was their error. When I began to get bills for the credited items I got upset and called Target again and had the matter cleared up again and then asked the agent to close the card as it was giving me more problems than having it was worth. The reluctant agent eventually told me the card was closed ( with no balance ) and that all was well. 

Approx. 6 months later I began to get collection letters for the {$200.00} which I disputed, explaining the card was closed. Nothing was due on it and that Target/TD bank should be contacted. 

Today, XXXX  XXXX  XXXX  sent me a letter stating that the balance owed is {$3500.00}. For what? Apparently for the entire balance of the card which I did not use, and some fees which they feel they have the right to tack on. I am writing this agency in the hopes that it will provide the oversight which is sorely needed by this so called company to erase this fraudulent debt once and for all. 
Their debt is false, the card was closed with a full balance on it and once that happens nothing can be purchased on it ever again. I will include the account number and all other pertinent information here as this is getting to the point where if I need to hire an attorney I will. 


XXXX  XXXX  XXXX  XXXX  File Number : XXXX Account Ending In : XXXX Balance : {$3500.00} XXXX XXXX TD Bank XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Do to consumer laws fraudulent accounts must be removed immediately
Product: Debt collection

I sent this as an email to management at XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX and XXXX, XXXX, Hunter Warfield contacted me on behalf of XXXX XXXX XXXX XXXX XXXX and claimed that I owe {$12000.00} to XXXX XXXX XXXX XXXX XXXX. At this time, I would like for you to be advised that I am disputing this claim. 
On XX/XX/XXXX, during our visit at XXXX XXXX XXXX XXXX XXXX, your representatives XXXX XXXX, a XXXX XXXX employee and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX attorney. Your representatives presented and signed the Stipulation of Settlement to waive the {$12000.00} rent arrears provided I vacate the apartment on XX/XX/XXXX. 
Your failure to adhere to the agreement and such conduct have caused me to suffer severe humiliation, embarrassment, emotional distress, and physical discomfort. Please take note that any future unsolicited letters, calls or text messages will be reported as a violation of 15 USC 1692c of the Fair Debt Collection Practices Act for debt harassment and unfair collections efforts in the attempt of collecting said debt. 
If you do not cease the aforementioned activity a lawsuit will be commenced against you. 
I HEREBY DEMAND THAT YOU CEASE AND DESIST all future calls, text messages, emails, and negative credit reports, and that you update your records immediately. 
If action is not taken by you to cease and desist, and if you do not confirm in response to my email Monday, XX/XX/XXXX, and by mail XX/XX/XXXX, I will have no choice but to take appropriate legal action against you including but not limited to filing a report against your company under the Fair Debt Collection Practices Act. 
I will also seek monetary damages to be proved at trial. Hopefully this recourse is not necessary, I have my own interest to protect and will vigorously do so. 
Sincerely,
Product: Debt collection

In XX/XX/2022, I enlisted the services of XXXX XXXX XXXX XXXX, on the recommendation of XXXX, to help manage my significant medical debt. XXXX XXXX XXXX XXXX advised me to stop all payments to creditors as part of a debt settlement strategy. Despite this, I received no communications from XXXXXXXX XXXX no collection notices, nor any form of outreach regarding the impending delinquency or potential resolution options for my account. This lack of communication led to a complete surprise when I was suddenly served with a lawsuit for the outstanding debt, without any prior notice or attempt to settle the matter out of court. 

Post-lawsuit, I have made multiple attempts to negotiate with XXXX XXXX through their attorney, aiming to settle the debt either through a manageable payment plan or a lump sum settlement that I could feasibly handle. Unfortunately, all my proposals have been outright refused by XXXXXXXX XXXX attorney, who insists on pursuing full payment through court proceedings. This inflexible stance disregards my current financial situation and the economic challenges many are facing, exacerbating my financial and mental stress. 

This experience, I believe, highlights potentially unfair and non-cooperative debt collection practices by XXXXXXXX XXXX and their legal representatives. It raises concerns about the bank 's commitment to working with consumers to find fair resolutions in times of financial hardship, which is crucial in fostering trust and fairness in financial services.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : it also states a consumer reporting agency furnishes an account without my written instructions.