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

My consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. Westlake Financial Services is reporting late payments on multiple accounts ( list the accounts ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave Westlake Financial Services a written instruction to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to Westlake Financial LLC violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraudulent charges on my credit card account back in 2017. I reported it as fraud. It shows fraudulent on the bank statement, but the issue apparently wasnt resolved like I was lead to believe. Due to this still being on my account the bank which is XXXX  XXXX XXXX reported this account to the credit bureaus as a charge off. Ive contacted the bank regarding this as well as the credit bureaus. One of the credit bureaus fixed it in their system but experian is stating that XXXX  XXXX XXXX is telling them not to remove the wrong information. When I try to contact XXXX  XXXX XXXX regarding this I cant reach anyone about it instead Im transferred for 2 to 3 hours back and forth having to explain the whole situation every time to the different departments. This has happen multiple times. They refuse to make this right and keep giving me the run around.
Product: Credit card

I purchased merchandise at Macy 's website in XX/XX/XXXX and earned Macy 's money. 
I used the Macy 's money to purchase merchandise. I returned a coat which I paid {$19.00} in XX/XX/XXXX. Macy 's only refunded me {$9.00} claiming it withheld {$10.00} for the Macy 's money I used. I returned the merchandise which was bought by using Macy 's money and my credit card on XX/XX/XXXX. The return is {$35.00}. 

Macy 's has not refunded the money to me after it received the returned product.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am disputing the references your company has made on my credit report due to their lack of completeness and/or accuracy. I recently contested this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not conduct thorough investigations. Therefore, I am now disputing the following information directly with you, the furnisher of the information, and request that you conduct an investigation as outlined in FCRA Section 623. 
XXXX XXXX Balance : {$0.00}
Product: Mortgage

We previously filed a complaint with the CFPB regarding our mortgage lender NewRez. Though we still feel the issue is unresolved and are pursuing further action, we have a new issue that is unique and requires separate follow up. 

The issue, in short, is that we were unnecessarily charged return payment fees and late fees, which NewRez has refused to review. NewRez charged us for return payment fees due to " no account '' after we attempted to pay our mortgage by phone on XX/XX/22 and again on XX/XX/22 when the first payment didn't post to our account. I dictated the account number correctly by phone but it was entered incorrectly by a NewRez agent. NewRez has refused to review the call as requested based on the response attached. It took another 2 attempts to pay the mortgage because on XX/XX/22, NewRez informed me that their system errored out when I attempted to pay and they could not process the payment. I was finally able to pay by phone on XX/XX/22 and the payment was withdrawn. I was then charged {$270.00} in return and late fees due to an error made by NewRez dating back to XX/XX/22. I spoke with a NewRez customer service representative on XX/XX/22 who informed me that I could not get these fees reviewed or removed through her. She instructed me to go online and submit a complaint through the NewRez website. On XX/XX/22, I did just that. However, NewRez responded that this issue ( see attached ) has already been reviewed and a new investigation would not be conducted. That is untrue. This is a separate issue and requires NewRez to do their due diligence and investigate as requested by their customer who using the appropriate channels.
Product: Debt collection

on XX/XX/22 i received a call from rent recovery where i spoke to XXXX and advised him to stop contacting me and i was paying the debt directly to the creditor and not this collection agency but he advised me i could not do that which is a lie because i spoke to the original creditor and was advised i could. He then proceeded to call more than 2 a day and up to 5 times per week, even after being asked to stop contacting me, he is still continuously harassing me with multiple phone calls a day. 

on XX/XX/22 he called 3 times that day on XX/XX/22 he called 2 times on XX/XX/22 he called 2 times he is calling way more then 1 time every 7 days and is XXXX me daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

Allowing XXXX XXXX XXXX  a collection account to report same debt with different account numbers on my credit report. Never opened contract with XXXX XXXX  but says account is verified
Product: Credit reporting, credit repair services, or other personal consumer reports

Everything was removed except for four accounts that were also listed on uploaded FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing in regards to late payments on my credit report from XX/XX/2019 and XX/XX/2019 for my XXXX account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because I had a serious family emergency where I had to allocate the funds to help out. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. 

As a courtesy, I am requesting that XXXX make a goodwill adjustment and remove the late payment on XX/XX/2019 and XX/XX/2019 from my record. This will help improve my credit worthiness and give me renewed confidence in being a Webbank/Fingerhut customer in good standing. 

Thank you for your consideration, XXXX XXXX XXXX
Product: Debt collection

Ive contactedXX/XX/XXXXon numerous occasions after I received a letter in late XX/XX/XXXX stating that I have a XX/XX/XXXX court date. I was notified that there will be an investigation of the Fraud Alert that XXXX XXXX rejected me twice. They stated that it was a false claim. The false claim is false. I just received a phone call from a young lady by the name of XXXX from Blitt & Gaines today at XXXXXX/XX/XXXXCT. XXXX stated that I communicated with XXXX XXXX & Blitt & Gaines back in XX/XX/XXXX. She said that I called for a hardship so that I wouldnt get my wages garnished. And she also said that I said I had hardship during Covid. Both claims are incorrect so I am waiting for a phone call from the investigation of that phone call where I allegedly said that I was affected by COVID-19 & needed a hardship. At the beginning of XXXX, I received paperwork and appeared to court on that paperwork date. The judge, on the XXXX court call, told me that there was nothing that I needed to do not & that basically Blitt and Gaines filed something to keep the case going. Im just highly confused because now Im being told that I asked for a hardship. The account is not mine. I asked for further fair investigation. And when I asked her to send me the statement that showed the {$2500.00} credit limit being exceed it to over {$3000.00}, and resulting in {$3500.00} with {$.00} balance. Upon asking, she told me there was an address of XXXX XXXX XXXX in XXXX, IL. Ive never resided at XXXX XXXX XXXX and Illinois Postal Service can back that claim. If I need to submit this, I would do so. I submitted a claim back in late XX/XX/XXXX on this platform. I was told that this account was pending investigation by Blitt and Gaines but instead, Wage Garnishment was the pushed objective from the company. The only other option discussed was 24-36 months of voluntary payments.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act ( GRANT & WEBER INC ) has violated my rights 15 USC 1681 section 602 a states, I have the right to privacy. 15 USC 1681 SECTION 604 A section 2 : it also states, a consumer report agency, can not furnish an account without my. Written instructions. I have tried to resolve this issue too many times with this company. It is truly A shame How I'm being done and mistreated and violation of my constitutional rights.. hurting me and my family.
Product: Credit card

I opened a store credit card account last month at XXXX XXXX and enrolled in a promotion ( no interest for 1 year ). When I received my statement, I noticed a promotional FEE was added. I was not aware of this fee nor was anything disclosed or provided to me about this fee. I would not have opened the account if I had know about the junk promotional fee. I called the Bank ( Comenity ) and was told that I needed to contact the store for resolution. I called the store and was told that I needed to call the Bank for resolution because they were not aware of this fee and it was a fee charged by the Bank. I returned the merchandise but the fee is still on the account and the Bank ( Comenity ) has refused to remove. The account has been closed by the Bank without my knowledge with an outstanding balance of that fee only.
Product: Credit reporting or other personal consumer reports

Between XXXX was in regular contact regarding the inability to pay on my loan through the website. 

Last email we sent in XXXX explained again we were laid off and our home went into foreclosure for the third time. 

Never received a response. 

Next time went to review the status, it stated in plain terms PAID IN FULL. 

No further communications, letters email have been received. 

11 years later, XX/XX/XXXX after massive data dump of erroneous information on XXXX and XXXX, showed numberous balances owed for this loan. 

Now the credit bureaus are showing TRANSFERRED which is VERY different from 11 years ago, XXXX. The website/account was altered without our knowledge or any communications. 

There have been many complaints placed through the CFPB as I've about this happening. 

Now XXXX is reporting as owed for this loan that is now showing TRANSFERRED not PAID IN FULL as it showed in XXXX. 

Someone altered the account and changed it from PAID IN FULL to transfered which is fraud.
Product: Checking or savings account

I joined Robinhood stock broker as a conduit for moving my money to another service using their crypto feature. Now my money is stuck there. I put XXXX in there an now I can't access it because they have de-activated my account First they said they needed to review my account and would be done by XX/XX/XXXX. On XX/XX/XXXX they said it will be done on XX/XX/XXXX. Today ( XX/XX/XXXX ) I checked and they said to wait until XX/XX/XXXX. They have a phone number but when I call they say access the website to get the number to call. And they website provides no way for me to access them at all.
Product: Credit reporting or other personal consumer reports

On the date of XX/XX/XXXX an account with Ally Financial was opened account was listed as charged off for {$29000.00} listed as past due XX/XX/XXXX. Also with this company an account was open on XX/XX/XXXX and listed as charged off for {$610.00} written off as past due XX/XX/XXXX With XXXX XXXX XXXX an account was opened on XX/XX/XXXX listed as charged off for {$27000.00} written off XXXX past due XX/XX/XXXX With XXXX XXXX XXXX XXXX opened XX/XX/XXXX an open balance for {$5200.00} and a past due balance of XXXX on XX/XX/XXXX was listed
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the following items ) on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. XXXX XXXX XXXX  is an Unauthorized account I have never signed a contract or have any knowledge of this account. XXXX XXXX XXXX  must provide the purchase agreement barring wet ink signatures of both parties involved, mine and XXXX XXXX XXXX. If this document isnt published this account should be deleted under the FCRA Act.
Product: Credit reporting or other personal consumer reports

I am reaching out to report a violation of my rights under the Fair Credit Reporting Act ( XXXX  ) by XXXX XXXX regarding Account # XXXX. # XXXX ( XXXX XXXX ), # XXXX ( coast to coast financial ). 

In particular, XXXX XXXX has infringed upon my rights in accordance with : 15 U.S.C. 1681 Section 602 ( a ), which grants me the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ), which stipulates that a consumer reporting agency is prohibited from providing information about my account without my explicit written consent. 

Furthermore, XXXX XXXX has inaccurately reported late payments on this account, despite my history of on-time payments. 

Also I want to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX, regarding Account # XXXX, and XXXX XXXX XXXX XXXX regarding account # XXXX. 

XXXX XXXX and XXXX XXXX XXXX XXXX has infringed upon my rights in accordance with : 15 U.S.C. 1681 Section 602 ( a ), which grants me the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ), which stipulates that a consumer reporting agency is prohibited from providing information about my account without my explicit written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX INSTALLMENT LOAN IS FRAUDULENT AND NOT MINE. IT NEEDS TO BE REMOVED FROM MY CREDIT REPORT. I HAVE SENT NUMEROUS IDENTITY THFT REPORTS SINCE I HAVE BEEN A VICITM OF IDENTITY THEFT.
Product: Debt collection

XXXX XXXX XXXX sent me a notice of a medical debt for XXXX I paid payments of XXXX XXXX  dollars a month until I tried to pay XX/XX/2018 XXXX  dollars and the payment was rejected. Under FDCPA Law. They rejected my payment and turned me over to collections.
Product: Checking or savings account

XXXX completed paperwork to close IRA-CD ( {$25000.00} ) at Wells Fargo XXXX XXXX, Oregon with Banker XXXX XXXX XXXX While completing paperwork I was on the phone with a representative from the section managing the account. Paperwork was completed, faxed and verified as received. I was told I would receive a check within a few days and to call back if not received. I called Wells Fargo and did not receive a return call. I was outside of the grace period after a few days and waited for the check. The check did not arrive so I took a different approach. 

XXXX I opened an IRA-CD with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Oregon to receive the money from Wells Fargo because it had still not been sent. My Wells Fargo on line access continued to show the full amount in said account. The First Federal account was activated and all appropriate paperwork was sent to Wells Fargo by XXXX XXXX XXXX XXXX XXXX. 

XXXX I completed a complaint with, and supplied appropriate information to the Federal Reserve. 

XXXX I received a letter from the Federal Reserve stating that CFPB is whom I should file a complaint with. As of today XXXX my XXXX XXXX XXXX XXXX XXXX account continues to show a zero balance, and Wells Fargo continues to show the full amount ( {$25000.00} ) in the account I have been trying to close. 

Wells Fargo is failing to release my funds and I am loosing 3.25 % interest in my new account. Is this a common complaint with them? How can they just ignore multiple attempts to return money to it's rightful owner? 

Thank You XXXX XXXX I have copies of all forms but they contain sensitive information and I will not attach them to an email. I will be glad to supply them as needed via a safe portal or method.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? This is grounds for removal, they also violated my rights under 15 U.S.C. 1681 section 602 A. Which 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.

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 or any other adverse item of information, other than records of conviction more than seven years.

Also, the Credit Bureaus took more than 30 days to complete my investigation here are my certified mail tracking # 's XXXX ; XXXX ; XXXX. 
I've also submitted a complaint with the Attorney General 's Office. These collection agencies have violated my rights.
Product: Checking or savings account

Etrade " said '' they removed the restrictions but they left the restrictions on after we had a 3 way conversation with XXXX XXXX to determine that the money I sent them was from a savings account at XXXX XXXX. I am spending the money when they lift the restrictions ( some not all ) I was at XXXX paying for groceries and a check I wrote at home came back and and there was {$5000.00} in the account. They kept me talking for one hour and waiting for them to come back to the phone. 
Last Thursday I initiated an ACH transfer to XXXXXXXX XXXX  and put in to move the bulk and they immediately put all the restrictions back and made me spend all day trying to get XXXXXXXX XXXX say I have a bank account with them to send the money to and I already did the two amounts and linked my savings account to my checking at Etrade. They are still holding my money hostage. 
I can't spend checks or pay for food and it's been 7 weeks. I received an email from Etrade stating they have removed the restrictions from my accounts and they cc 'd the SEC Attorney XXXX XXXX with the same email but they never removed the restrictions since I moved my retirement accounts there XX/XX/XXXX from XXXX XXXX 
They have {$30000.00} dollars of my retirement funds they are keeping.
Product: Credit reporting or other personal consumer reports

Dear Experian Team, I am XXXX XXXX. Upon my recent review of my credit report, I came across unauthorized inquiries that I have not initiated or approved. 

My due diligence with the respective creditors reveals that there is no documentation or evidence suggesting I authorized or initiated these specific inquiries. These entries have evidently been made without my explicit written or verbal consent. 

Given these discrepancies, and in accordance with Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports, 15 U.S. Code 1681XXXX, I respectfully request the immediate removal of the following unauthorized inquiries from my credit report : - XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX - XXXX Date : XX/XX/XXXX - XXXX XXXX, Date : XX/XX/XXXX - XXXX XXXX XXXX, Date : XX/XX/XXXX - XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX To facilitate a swift resolution, I have included proof of my identity and my current address with this letter. I expect a timely response and would appreciate receiving an updated copy of my credit report reflecting the necessary corrections. 

I trust in Experian 's commitment to accuracy and hope this matter will be addressed with the urgency and seriousness it demands. Thank you in advance for your understanding and cooperation. 

Warm regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX AND TRANSUNION are report inaccurate information on my credit report about my XXXX XXXX loan with XXXX # XXXX. I proof that XXXX XXXX agreed to update my credit file however XXXX AND TRANSUION are refusing to make the changes, they keep saying that they spoke to chase regarding this account and that they agreed that is accurate which i don't believe because is on the XXXX auto system when i called and they pulled the information they had send me and is exactly the same. I think they not taking the time to investigate and just sending me random answers. am going to attach a copy of both letter from chase auto as proof.