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

I paid XXXX to Westlake Financial in XX/XX/2021 to pay off the loan. I checked my credit reports and it did not reflect that it was paid of as of XX/XX/2021. Furthermore the bigger issue is that all my credit reports ALWAYS showed " Current and Pays as Agreed '' with no late marks at all. Now that I paid it off, Westlake has put on the account that I am currently 120-149 days past due and it has seriously damaged my credit. I contacted Westlake and spoke with a representative around XX/XX/XXXX or so and discussed this issue. He looked at the account and agreed it was an error. He said that they would correct it and it should take 5-7 days. Upon checking my credit reports again on XX/XX/XXXX, I see that the remarks still show that I am currently 120-149 days past due.It also says that I am 180 days past due and affected by a natural disaster.This is false reporting!!! ... ... It is not even reflecting that I paid the entire balance off more than a month ago. When I reached out on XX/XX/XXXX again, a different rep started talking about my payment defers that I have had. I indicated that those were payment deferrals and I was told that is not considered late. My credit report has ALWAYS shown on time with no payments over 31+ days. I expressed several times that the reporting needs to show PAID OFF IN FULL and the currently 120-149 days past due remarks to be removed. They try telling me they dont have a way to remove anything. That is incorrect, they are the agency responsible for reporting fair and accurate information. They are in violation of FDCPA and have damaged my credit.
Product: Payday loan, title loan, personal loan, or advance loan

Hi, this is XXXX XXXX. I was in a sudden move about a month ago. I need a loan because the apartment came with so many extra fees. This was my first personal loan ever. I got an offer for a loan for {$950.00} but the repayment is {$5700.00}. The interest rate is 700 %. Im not sure if this is even legal. I just need some assistance before it ruins my credit. However the loan agreement expects me to pay XXXX a week for the next few years! I need to know something I can do about this loan. Its like theyre gauging and this should definitely be illegal. It puts people wayyyy further in debt. Please point me into the right direction.
Product: Mortgage

XXXX transferred my mortgage in the middle of a payoff. I have an open complaint against XXXX for them creating a shortage, not posting my payoff, then taking 15 days to get funds to SPS, the new servicer. This complaint is on SPS. 

On XXXX, SPS was to take over servicing of my mortgage. However, on XX/XX/XXXX, it was paid off by XXXX XXXX. I was due an escrow refund of around {$3000.00}. SPS did not board the loan to their system until XXXX and did not process the payoff until sometime in XXXX when XXXX XXXX finally got them straight on what happened. In the meantime, XXXX XXXX issued the refund on the double payment of taxes to XXXX, who instead of sending it to me sent it to SPS. SPS has yet to issue a refund to me despite XXXX XXXX even paying them a {$300.00} 'shortage ' created by XXXX initial fumbling of the payoff. 

It is now XX/XX/XXXX, over two months since payoff and I have still not got my refund. In addition, SPS servicing reported this as a 'new ' account on my credit reports which has caused my insurance score to drop for the recent 'addition ' of a new account. The balance is XXXX  now, but apparently this isn't taken into consideration. 

This whole thing is a giant mess and I'd like help reporting this to all legal entities who should be aware of the shoddy practices these two servicers are engaged in.
Product: Credit reporting, credit repair services, or other personal consumer reports

See letters sent, please fix my personal info, the account reporting inaccuracies and the unauthorized inquiries
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Sallie XXXX called me last month in XXXX to let me know my loan was 60 days late, I spoke with rep and told them that is not correct that the payments have come out of my account every month, she asked if i can up load proof on website which I did. She was also confused because she saw my payments. She told me she was going to escalate this and someone would reach out to me. NO one called me. today XX/XX/year> they called me to tell me my account is 34 days late?? Im so confused I told her thats wrong their records are a complete mess. They take my payments every month on the XXXX of the month and somehow not sure why they dont update their system.
Product: Credit reporting

I have written Transunion three times in reference to removing inaccurate information from my credit report. They have not removed any of the requested accounts and have responded back each time telling me that they have verified the information without provided me with any physical proof or verification. This completely violating the law in accordance with the Federal Credit Reporting Act.
Product: Credit card or prepaid card

XX/XX/2018 Signed online for XXXX XXXX XXXX Credit Card. Amex new welcome offer {$0.00} Balance Transfer Fee Offer, No Annual Fee, and 0 % intro APR on purchases and balance transfers for 15 months. Made two transfers ( 1 ) {$2300.00} ( 2 ) {$3200.00}. On XX/XX/2018 we were charged For ( 1 ) Balance Transfer Fee {$69.00} and for ( 2 ) Balance Transfer Fee {$98.00}. Our first Statement Due Date was XX/XX/2018. Account Summary showed Fees of {$160.00} which we were not suppose to be charged. 
XX/XX/2018 : XXXX Talked to XXXX. She gave us a case # XXXX and would check into. XX/XX/2018 talked to XXXX again, she said still checking on this. XX/XX/2018 XXXX Talked to XXXX saying my case was closed. He tells us the case will be reopened under same Case #. XX/XX/2018 Called again, talked to XXXX on XXXX Said case closed again with reason we owe Balance Transfer Fees. HELP! American Express gave us run around for months with no help. I would not have gotten card if had known there was a transfer fee.
Product: Vehicle loan or lease

When I took a car out from Santander consumer USA, my payments were really high. I never missed a car payment all I wanted was to refinance my loan but they denied it. They said after 1 year my interest will go down which it never did. So I ask them what was the right way or was a good way to deal with this. They said its best to do a ( Volunteer Reposes ) witch I did but they ended up putting it in my credit history that I got a ( Reposes ) which was a lie and now its AFFECTING me.All I want it off my credit history record. Why because I paid it off and I have the evidence. And trunk to start over.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies have fail to removed these hard inquiries on my XXXX reporting before XX/XX/XXXX and its XXXX of XXXX and most of these items still showing up as a hard inquiry
Product: Vehicle loan or lease

I was the co-signer for a vehicle. The vehicle was stolen and the owner of the vehicle is deceased. The car purchased had a warranty and gap insurance through the company. Car was recovered by credit acceptance and sold. However, credit acceptance has put the account on my credit as a repo & charged off account with a balance of over XXXX dollars.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 XXXX received a check from the XXXX XXXX XXXX with only my endorsement, the check was clearly made out to XXXX XXXX and XXXX XXXX XXXX they cashed the check with only one endorsement I will submit a copy of canceled check and 2 letters from XXXX XXXX indicating that XXXX XXXX never received and endorsed the check. I contacted the bank in XX/XX/XXXX and was told they could not help me because I was not on the account the check number is XXXX and the amount is XXXX dollars for my roof repairs from XXXX XXXX XXXX XXXX XXXX I will be filling a complaint against them trough another agency. I feel a law was broken by cashing a check with a single endorsement when it clearly needed 2 the check has  an account number and a transaction number printed at the top of the pic.
Product: Debt collection

Ally financial was a debt that was disputed through XXXX XXXX received notification that the debt was removed I call the credit bureaus and they stated the debt was updated and remains on the report and has a collection agency now calling harassing me of a debt I do not have a contract with this collection agency
Product: Checking or savings account

This past pay period I went to check my balance and there was a transaction posted days after it occurred and I have called multiple times in the past asking them to stop it. There has been times where I have to wait days to use my funds again for things myself and my family. I'm constantly checking my account to make sure I have funds in order to do basic things like getting gas or just buying groceries.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax are reporting that I have a 3 late payments when I have not been late on any credit card payements its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment they have not supplied this information and they must delete the alleged late payments on my credit report under federal law they had 30 days to complete the investigation and by failing to do so the items my be deleted from my report as soon as possible
Product: Credit card

I received my new card i activated it and was told it is good to use, it has been declined twice, company says they do not know why but try again and it was again declined My Balance is XXXX and i have over {$7700.00} available credit to use but it will not work they owe me monies as well and have not paid me back they are cheating me and lying
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024 15 USC 1681 SECTION 602 There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. I am a consumer of your reporting agencies services and have the right not to have my private information shared which is backed by 15 USC 6801.It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 USC 1681 SECTION 604 ( a ) SECTION ( 2 ) states that in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the with the written instructions of the consumer to whom it relates. The Consumer reporting agencies XXXX XXXX Experian and the financial institution do not have my consent nor my written consent to present this information. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. The Furnisher of information to credit agencies never informed me of my right to exercise my non disclosure option.

15 USC 1681 ( c ) ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my premission which is against the law. 15 USC 1681s-2 ( a ) ( 1 ) ( a ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 ( e ) Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sections 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit card

I applied for a credit card on XX/XX/23 and got denied. The credit card was Chase Freedom Unlimited. A consumer credit transaction in 15 USC 1691 defines Equal Credit Opportunity Act. This prohibits creditors from discriminating against credit applicants. I have the right to credit.
Product: Debt collection

I have paid all my copayments and I told USCB America about that ; but they said that I still owe XXXX XXXX copayments. For example, I paid for XXXX XXXX and XX/XX/2020 services and I told them that I paid for every single service that I received. This business has sent bill to me and called me and want me to pay for these two services again. Please help me to solve the issue. XXXX XXXX XXXX asked the USCB America to collect the payments again from me even though I told both the XXXX XXXX and USCB America that I paid for every single service that I received.
Product: Checking or savings account

I was first notified about two months ago from my bank, XXXX XXXX, that someone had tried to open an account in my name but they did not allow them to do so. Today, I found out that someone had fraudulently opened an account with TD Bank. I contacted customer service and they told me they would close the account. My credit has been frozen for years but they said they didnt run it when you apply online for accounts
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} CHILD SUPPORT XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX .... 
XXXX  XXXX .... 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. under section 1666 of title 15, a creditor is not supposed to report any payment as late
Product: Mortgage

I was a victim of predatory lending practices by 5/3 bank. I was rushed to sign a waiver of my Homestead rights at a closing. My ex-husband was their borrower. I was the co-owner. After signing the Deed their closer and mortgage broker slipped a signature paper to sign. That paper had in small print that I am waiving my Homestead rights. I was rushed into signing that page without disclosure or explanation. I believe the whole mortgage was a mortgage scheme by this bank, they made me sign this in attempt for a speedy foreclosure if it gets to that point. 5/3 bank had took advantage of my disability and they sure discriminated against a XXXX person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I found XXXX transactions ( {$10.00} and {$25.00} ) I did not make for opening new bank account # XXXX ( I did not open a new bank account ). I called the bank ( XXXX XXXX ) but did not receive any explanations or suggestions. 
On XX/XX/2023 I was trying to access my online banking from my mobile device ( XXXX XXXX ) and it was unsuccessful multiple times. I went to the branch of XXXX XXXX in XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ) with my problem and we realized that somebody used my SSN and all personal information to open new bank account under my name. Also they have changed my phone number and email address in my online bank account, ordered ATM card, withdrawn some cash ( XXXX transactions for {$1000.00} each ) from me ( ATM in XXXX XXXX, CA ) also they transferred {$6000.00} from my credit card to new account # XXXX they opened. I had to close my old account, ordered new debit and credit card, changed my username and login for online banking and pin code for debit card. After I left the branch I was trying to access my online banking again using new user name and password and no success again. I went to the branch next day and they said that somebody called and pretended to be me and asked why the account was closed. When they did not answer to security question correctly the operator blocked my new account again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to remove multiple inquiries that I did not approve or initiate. 

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

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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: Credit card

Discover Bank has failed to report a new credit line increase to all credit Bureaus. I used this credit, and my score dropped dramatically because they thought I was using nearly 100 % of my available credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am a victim of identity theft!
Product: Payday loan, title loan, or personal loan

I took out a loan on or about XX/XX/18 in the amount of XXXX dollars. I have been making bi weekly payments on it on my due date in the amount of XXXX. I asked to skip 1 payment and I was granted it. Then I asked for a payoff amount on XX/XX/18 which resulted in the amount of XXXX. That is a ton of money given that I have been making payments on this since XXXX. I feel as if my amount requested and the amount I have been paying has not made a dent in the my loan. I am underwater here and trying to make it work out. I don't believe it is right for them to have to charge me such a high finance rate and almost triple the amount owed if I make the correct amount of payments on it. I can not find my loan number on my agreement either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes directly with the bureaus. The bureaus verify the account and do not remove. The creditor states they sent the account for deletion to the bureaus. The creditor states on XX/XX/2022 and XX/XX/2022 they sent a request electronically to the bureaus for deletion. I asked for help from XXXX XXXX, a credit monitoring service I subscribe to. XXXX XXXX representative XXXX XXXX called the creditor and verified that the account is not mine and that XXXX reports sending a request for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with the credit bureaus as well as XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX ( XXXX XXXX ) to validate and account that they claim belongs to me, they sent me a letter on company letter head stating that I owe the debt to the name XXXX XXXX. They have no other identifying factors to validate the debt. They are in violation of the federal and the state Fair Debt Collection Practices Acts by not providing how these debts were validated and no contract with a signature, not even an electronic signature. 

XXXX Account Number : XXXX XXXX XXXX A Account Number : XXXX XXXX Account Number : XXXX