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

Complaint Letter to Westlake Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Date ] Westlake Financial XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Subject : Complaint Regarding Inaccurate Reporting to Credit Bureaus Dear Westlake Financial, I am writing to formally file a complaint regarding an account you have reported to the credit bureaus. I have reviewed my credit report and discovered that you have submitted inaccurate information to XXXX, XXXX, and XXXX. After noticing these discrepancies, I contacted your company and was informed that the information had been updated. 

However, I believe that the information you initially reported was incorrect and that your updates are not backed by the appropriate documentation. I have not received sufficient proof that the information reported was accurate or substantiated, nor have I been provided with any records showing that the discrepancies were corrected. 

Given the nature of this situation and the lack of supporting documentation, I am requesting that the inaccurate account be immediately removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any unverifiable or inaccurate information, and I believe this situation qualifies for removal. 

Please provide me with written confirmation that the account in question has been removed from all credit bureaus within 30 days of receiving this letter. If you can not substantiate the accuracy of the account or provide the required proof, I expect it to be deleted immediately. 

Failure to resolve this matter promptly will leave me no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. 

Thank you for your immediate attention to this matter. I look forward to your timely resolution and confirmation. 

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

I submitted an informal dispute directly to XXXX Equifax and XXXX informing them that I have not given my formal permission for the inquiry into my credit file nor written expressed permission contained in a list of companies that i have no knowledge of I ask that this information be removed and or deleted from my credit file the credit bureau s have failed to investigate this matter conduct a proper investigation into the disputed inquiries
Product: Debt collection

OnXX/XX/XXXX, I requested that Aargon Collection Agency validate debts reported on my credit report. The accounts are for {$750.00}, {$200.00}, and {$200.00}. As of today, XX/XX/XXXX, Aargon  Collection Agency has yet to verify these debts and is still reporting these debts to credit bureaus. I never received notice of these debts prior to them being reported to credit bureaus. I have no knowledge of these accounts.
Product: Debt collection

Never received certain items that were billed. They sent my to collections and XXXX deleted the case. Now they are sending new information. I have spent countless hours with this to no avail. I paid for the items I recieved
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX has violated my rights. 

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 an account without my written instructions
Product: Debt collection

In XX/XX/2020 I refinanced my house and paid off all my debts. Conn XXXX XXXX XXXX started called me in XXXX saying the check for {$2900.00} that was sent to them was not the total payoff balance. The person said that another {$300.00} and some odd dollars was remaining now they are saying there is a balance of almost {$700.00}. My question to them was if i owed more money why did it take them almost a year to let me know also that was the payoff amount the lending company said was owed.
Product: Credit card or prepaid card

I received a promotional solicitation on the  American Express appli cation offering me {$100.00} credit voucher if I made a {$600.00} or more reservation using t he American Express trav el application. I selected the offer & proceeded to make a a {$660.00} hotel reservation  on  XX/XX/XXXX  t hrough  AMEX travel through my American Express app. This is on my American Express bill for  XX/XX/XXXX . Having been more than 30 days I called to check on the status and was told that no such offer existed. After challe nging this I was told the offer existed but I did not enroll. After challenging this further I was transferred to multiple individuals including  XXXX ,  XXXX   XXXX  and  XXXX . Several claim to be supervisors although none ended up being. All of the individuals claim to be able to do nothing. Finally after  two hours and  repeated phone calls the last representative I spoke to a tend a reference ticket  XXXX . So far they have refused to acknowledge this bait and switch or the fraudulent activity on their part. Please help!
Product: Credit card

My chime credit builder card was stolen on XX/XX/2024 along with my wallet and phone. Police report made. Chime was notified on XX/XX/2024 when I was able to get into account and found the unauthorized charges totaling XXXX police report provided to chime. They denied my dispute in less than XXXX hrs. I reopened dispute XXXX more times and was immediately denied. The information received by chime as the documents used to deny my dispute was my original dispute information and the police report. I am attaching the emails denying my dispute. As well as the documents they used for denial. They blacked out the info on those documents.
Product: Credit reporting or other personal consumer reports

I went to my financial institution ( XXXX XXXX XXXX XXXX - XXXX ) to help my husband by co-signing for a new car loan. My husband 's credit is hardly established. The credit union -XXXX gave us a quote based upon his score instead of mine because Experian ( the company they use for approving loans ), had me as " UNSCORABLE ''. This must have happened within the previous 6-months, because XXXX had pulled my credit score then for another loan. XXXX 's loan officer had never seen " UNSCORABLE '' used on a credit report before, and I had never had such a " score ''. I have exceptional credit because I've been very careful all my life. The loan officer tried to call Experian with me, and gave-up after the 4th time because she couldn't figure out the word that would allow her to be connected with a representative. She suggested I call my credit card company ( XXXX ) to see if they could help me, and recommended also following-up with a letter. On XX/XX/year> XXXX sent a letter to all 3 agencies ( XXXX, Experian XXXX XXXX ) requesting that they update their files. I wrote a letter to Experian on XX/XX/year>. On XX/XX/year> I received my credit report from Experian, but could find nothing that would cause me to be unscorable. I do not know what to do next, or how to correct this, and really need help.
Product: Debt collection

I previously lodged a complaint against Kimball, Tirey, and St. John on XX/XX/2018 detailing overwhelming evidence, coupled with dates, indicating I am not responsible for the debt they are pursuing me for. This debt appeared on my credit report and, after lodging my previous complaint, it was removed as I am clearly not contractually or legally responsible for the debt. 

I am lodging an additional complaint because Kimball, Tirey, and St. John are continuing to send paperwork to my home addresses to me, in spite of the fact that I am not responsible for the debt. Moreover, they have contacted individuals I am in contact with to pry them for i information on employment and income, representing themselves as apartment managers confirming employment for a recent apartment rental application. Thus, they are misrepresenting themselves to pry personal and confidential information for which I have not authorized them to access.
Product: Debt collection

In XX/XX/XXXX, I received medical assessment and treatment from XXXX XXXX XXXX and that was paid by my Health Insurance ( XXXX of Arizona. ) I received collection letters and threatening phone calls. I wrote the collector regarding the collection, and requested validity of debts, original creditors, and date, place of service. 

On XX/XX/XXXX I received a collection letter dated XX/XX/XXXX attempting to collect on the debt, without providing evidence and validity I requested in my letter of XX/XX/XXXX.

This practice by this Collector violation, Pursuant to the Fair Debt Collection Practice Act, Section 809 ( b ). 

Collection attempts by this Collector should cease immediately, until requested validity evidence is provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert from Equifax regarding an update to an unverified Student loan account with WFS. I already have an open complaint with them directly and the submitted they needed more time to respond to my complaint. 

As you can see, they had stopped reporting to Equifax and most recently Equifax has reinserted this unverified account to my credit report without fully investigating and verify. They are still investigating per XXXX XXXX letter dated XX/XX/XXXX. On XX/XX/XXXX, with no update its reported inaccurately to all bureaus with inconsistent information. Per FRCA, before reinserting they must notify me via mail their intent to reinsert. I sent a factual dispute to XXXX and XXXX due to me not being liable due to fraud. They were to follow suit with Equifax but Equifax unlawfully entered the information BACK on my report after failure to verify previously. I have attached proof of resinsertation and my file police report and FTC report.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 

( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt. 

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

I reviewed my consumers report and noticed there was an inaccurate account on my credit report from XXXX XXXX XXXX. 
account name : XXXX XXXX account # XXXX Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I contacted XXXX XXXX XXXX and asked them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the fair credit reporting act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN I HAVE DISPUTED UNAUTHORIZED ITEMS AND ASKED FOR PROOF AND VERIFICATION OF OWNERSHIP OR EVEN A CERTIFIED RECEIPT VIA CERTIFIED MAIL ACKNOWLEDGING A DEBT OWED WITHOUT THESE ITES THEY ARE VIOLATING MY FAIR CREDIT CONSUMER RIGHTS AND ACCOUNTS NEED TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking at my XXXX, XXXX, and Experian credit file, I learned of a collection account from XXXX XXXX had been added. I have tried to reach out to this company through Consumer finance protection bureau and better business bureau in regards to this collection account. I have no signed  contract with this company. This account is not a validated account nor is this account verified. This is a non verifiable item that has been placed on my credit file causing my score to drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I very distressed that you continue to report account that I do not recognize. I can not understand why this wrong information is included in my profile. Please accept my clam and this message and remove this mistake from my credit profile. I am requesting that you delete information off from my credit report because I am not connected to this account like absolutely. I am victim of Identity heft, someone used my personal information. Please check names, addresses, signatures and remove it.
Product: Checking or savings account

During XXXX of XXXX Bank of America was running a promotion for a business account where {$200.00} could be earned if meeting terms. The terms were to ooen the account by XX/XX/XXXX, deposit {$5000.00} by day XXXX of account opening, keep the balance until day XXXX of account opening, bonus paid 30 days after the 90 day period and could not have had a business account in the last 12 months. 

Meet all requirements as such : opened account in branch XX/XX/XXXX, provided code XXXX  ( business banker confirmed the code was valid and submitted properly ), depsited {$5000.00} on XX/XX/XXXX ( well within the 30 day period of account opening ), keep in the bank well past 120 days from account opening ( XX/XX/XXXX as account is still open with the balance as of today XX/XX/XXXX ). 

Attempted to track more information down when bonus was not paid out as such : setup an appointment on XX/XX/XXXX with the branch at XXXX XXXX XXXX XXXX, XXXX, CO XXXX they said they could not help me as they did not see the bonus attached to my account ) ; setup an appointment on XX/XX/XXXX with the branch at XXXX XXXX XXXX XXXX XXXX, CO XXXX ( talked to the business banker that helped me open the account and he said he would look into it and give him a few days ). Nothing happened after giving it a week plus, emailed the business banker on XX/XX/XXXX again and he said he would look into it again and he was sorry that it is taking longer then usual and he was going to talk to the branch manager. As of XX/XX/XXXX no responses back from the business banker and no bonus provided. 

More then happy to provide the name and contact information of the business banker that I worked with during the whole process.
Product: Credit card or prepaid card

XXXX XXXX  when I get paid i call all my credit cards and pay those which are due that week to keep them current. On XXXX, XX/XX/XXXX, I call Genesis FS Card Services for two of my cards. My Indigo and Milestone accounts. On both Accounts ( and I have this recorded if you want to hear it to be true ) The message I got was my MINIMUM due was the TOTAL amount due on the card. This set off my panic button and i paid {$200.00} on each card where normally i would pay the minimum due of {$40.00}. That is alot of my paycheck to pay on just two cards. To make matters worse the company has a policy that it may take up to 10-14 days for your to get access to your money. The payments cleared my bank on Friday, XX/XX/XXXX. tI am a on XXXX XXXX XXXX XXXX and need money for gas having put {$400.00} on two credit cards wiped out my ability to buy gas so I called Genesis FS Card Services on or about XX/XX/XXXX and they were able to release the funds on My Indigo card. However, by the next week on XXXX XXXX, I once again needed gas money and the funds were yet to be released on my Milestone account. I waited over 45 minutes on the phone for a manager and then they said they would call back. They never did so I called back later that night. They said there was nothing they could do at all and the funds would not be released until Friday XX/XX/XXXX. The system error was corrected on the Indigo card phone system as of XX/XX/XXXX as it gave the correct minimum due of {$40.00}. When i called and once again recorded the Milestone account card on XX/XX/XXXX the system ( almost two weeks Later is still telling customers their minimum due is their total amount due - I have it recorded as proof ) When a company incorrectly bills their customers and has absolutely no means to fix the error to financially improve the situation of their client that is a big miss for the business. I will give the company time to respond to this complain before I share if further on social media as people need to know how this company treats its clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Equifax, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} ; XXXX  XXXX XXXX Balance Owed : {$490.00} ; XXXX  XXXX XXXX Balance Owed : {$300.00} ; XXXX XXXX  XXXX Balance Owed : {$10000.00}
Product: Money transfer, virtual currency, or money service

Paypal allowed an unauthorized transaction from a third party. I notified Paypal that this was an unauthorized transaction and told them I could show them proof of this from the third party 's dashboard - which shows that I'm on a free plan and shouldn't be charged. Instead, Paypal told me they found no evidence of an unauthorized transaction ( without asking for or looking at what I had offered to show ) and told me I had to deal with the merchant. I am absolutely dumbfounded in what they consider " dispute resolution ''.
Product: Mortgage

I MOVED OUT OF XXXX XXXX XXXX IN 2004 BUT I AM STILL HALF OWNER OF THE PROPERTY AND ON THE MORTGAGE. I HAVE RECEIVED ABSOLUTELY NOTHING REGARDING THE PAST DUE ACCOUNT. I HAD RECEIVED NO NOTIFICATIONS OF THE IMPENDING FORECLOSURE I WAS NEVER SERVED ANYTHING DESPITE THE FACT THAT I HAVE WORKED AT THE SAME PLACE OF EMPLOYMENT FOR 15YRS. DESPITE THE FACT THAT WHEN THE SECOND MORTGAGE WHICH WAS ALSO WITH XXXX WAS IN FORECLOSURE THEY HAD NO PROBLEM FINDING ME TO SERVE ME AND I WAS ABLE TO SETTLE THAT. I HAD ABSOLUTELY NO IDEA THAT THE HOME WAS IN FORECLOSURE I WAS DENIED MY RIGHTS TO STOP THE FORECLOSURE SALE OR TO REMEDY THE PAST DUE ACCOUNT I WAS DENIED THE RIGHT TO DUE PROCESS I WAS DENIED THE RIGHT TO ANY MORTGAGE CONFERENCE. I HAVE BEEN REMARRIED AND LIVED AT A DIFFERENT ADDRESS SINCE 2004
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX of 2022 to current, I sent individual FCRA Section 604 letters out to dispute and request written evidence of specific Unauthorized FRAUDULENT/iNACCURATE Accounts on the Credit report to EQUIFAX. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Accounts in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX EQUIFAX. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Accounts I asked to have investigated in early XXXX of 2022 to Current days date. Unauthorized FRAUDULENT Account XXXX. XXXX XXXX & XXXX XXXX XXXX. XXXX BANK XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX Please verify these credit inquires that pulled/ viewed my credit without my permission. Within 5 business days in compliance with FCRA. XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit card or prepaid card

I had a issue with direct deposit on my Edd debit card I called BOFA and customer service said go to bank with 2 forms of ID AFTER I HAVE VERIFIED MY IDENTIFICATION ON EDD WEBSITE AND BOFA ACCUSING ME OF FRAUD AND WONT TAKE BLOCK AWAY FROM CARD
Product: Mortgage

I have a applied for a mortgage and And now an equity loan and each time I hear nothing back from this Credit Union
Product: Checking or savings account

This is a youth checking account that converted to a regular checking upon the child turning XXXX. Mom is listed as an account holder still. Unauthorized account charges from XXXX have occurred. Usaa will not speak to the mom or child on the account and has not addressed the charges. Thus is due to not being able to authenticate the child who has limited info in XXXX XXXX and has issues accessing the site. Usaa refused tech support requests, etc
Product: Credit reporting, credit repair services, or other personal consumer reports

Below are unauthorized inquires that were reported to the credit agency. Transunion would not help remove negative inquiries off my report as they should according to the FCRA for unverified and unauthorized items. 

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

i never consented to authorize nor benefited from all Inquires, Block and delete them. If i have received goods and services from the furnished Inquires, Let Experian have XXXX of their XXXX XXXX certify under the penalty of perjury that i did received good and service from those transactions.