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

This Financial organization is collectively working against its customers by tacking on rigorous amount of fees and collecting interest on these fee they are robbing there customers with this business tactic. I refinance my vehicle in the hopes of a lower car payment however I have been deprived and deceive by while this organization capitalize on my business. The scheme they have plotted allows the bank to charge people a XXXX when they havent heard from you and add interest on it should be illegal Especially this exceeds the value of the vehicle. It is highway robbery should be considered extortion.
Product: Credit card or prepaid card

( 1 ) I have a XXXX XXXX card through Synchrony Bank in XXXX, FL. On 3 of the past 4 billing statements, there have been charges to XXXX XXXX totaling {$80.00}. I do not own, and have never owned, an XXXX, and I did not make these purchases. I have timely disputed every XXXX charge in writing, and, at Synchrony Bank 's request, I signed a fraud investigation form certifying that I neither made nor authorized the XXXX purchases. Today, I received a letter from Synchrony Bank advising me that I owe the XXXX charges, because I " released account information to a third party. '' The letter did not identify the third party to whom the bank erroneously claims I released my account information. ( 2 ) Also, I disputed other aspects of the charges to my account, and Synchrony Bank still has not addressed those disputes. ( 3 ) Synchrony Bank has been charging me monthly interest and late fees on disputed charges in violation of the FDCPA.
Product: Money transfer, virtual currency, or money service

I have a payment required on my account due to unauthorized access to my account. 

I have attempted to pay this amount regardless, but Coinbase does not allow me to pay the balance due to technical issues. I can not add money to my USD wallet to pay. I can not go to the payment required page and pay by bank or out of my BTC account. I currently have XXXX or {$5200.00} in my account. 

Due to this supposed " Payment Required '', I am not able to send or withdraw my funds. This needs to be fixed immediately. 

I have contacted Coinbase repeatedly on the issues within the access of my account and they are not handling it in a timely manner. Cases are still open, but they continue to close cases and I have to reopen them via the support ticket. After calling 4 times, they just continue to escalate the cases only to be rejected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$520.00} In XXXX I had previously informed the bureau that this account was unknown and the account was opened in direct result of identity theft which occurred from the loss of my identification in XXXX. The reply I received from this credit bureau was that this account was verified which is contradicting the statement received from the creditor who has confirmed in writing that the account was found to be opened fraudulently and that they have contacted both XXXX ; Experian and XXXX XXXX to remove the account but the account is still being reported and is causing extreme hardship. I had requested that the file be removed on numerous occasions and XXXX XXXX but this reporting bureau has failed to remove it and for this reason I quest the assistance of the CFPB.
Product: Credit reporting or other personal consumer reports

Dear TransUnion : This is a Self-Attestation that I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
These fraudulent accounts consist of a Auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), as well as personal loan account opened at XXXX XXXX  on XXXX XXXX, XXXX under the account number ( *** XXXX ). An personal loan opened at World finance on XX/XX/XXXX under the account number ( XXXX ) an personal loan with XXXX XXXX XXXX XXXXAccount number ( XXXX ) Opened : XXXX. XXXX another auto loan XXXX XXXX opened XXXX. XXXX, XXXX account number ( XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX, Illinois XXXX XXXX : XXXX | XXXX : XX/XX/year> LexisNexis Consumer Center Attn : Escalations XXXX XXXX XXXX XXXX, GA XXXX Consumer Number : XXXX CFPB Case # XXXX This is the second time I am reaching out to get verification of things yourcompany is reporting and they havealsosaid theyhave tried to reach me via email whichisacomplete lie. I would like you to investigate and verify the following bankruptcy, or promptly remove them. 
It is to my knowledgethat the US Courts do not provide court case informationto third-party companies i have also attached a letter from the courts with my identification to this email. 
Court : U.S. Bankruptcy Court Reference Number : XXXX Reason : Unverified Bankruptcy Please respond to me in writing, and include the " method of verification '' under FCRA 611 ( a ) ( 7 ). This should include : 1. The name of the courthouse which you verified the information with 2. The name of the person at the courthouse who handled your request 3. The address of the courthouse 4. The telephone number for the Clerk of Court 's office XXXX. Which document you obtained to verify the bankruptcy Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with The Money Source for 4 months trying to get them to report that my mortgage with them was Surrendered through my XXXX  XXXX XXXX. The XXXX was closed at the beginning of XX/XX/2022 and they keep reporting it as 150 days late and sending me letters and receiving phone calls. I have spoken with them at least 8 times and I have gotten hung up on multiple times and lied to that the problem was fixed. They told me to email them all the information from the court and that they would correct the problem but have not. I came out of the XXXX with a 700 - 730 credit score and because of this, I am now in the low 500 scores. I have tried to repeatedly fix the problem with the credit bureaus but The Money Source lies and tells them it is correct. 

Please help me I have spent days trying to get this problem fixed. 

Thank you
Product: Debt collection

I am making a complaint Security Credit Service that is known as XXXX.I have contact them on several occasion about this collection that they placed on my credit and explained my situation to them that my personal information was comprise and used to open up this account without my consent and knowledge and it could have never happen.They had agree to deleted it from my credit reports which in fact I checked my credit a few months back and the collection was removed and now recently it has been added back and I asked that it be permanent removed because it is affecting my credit and me from being able to get to where I want to be in life and it is not fair from me to have to pay a debt that was not created on my behalf and someone else because the company allowed someone else to use my information to open an account with my consent which is not right to me
Product: Credit reporting or other personal consumer reports

Credit inquiries on your report that you don't recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

A contract was written on XXXX XXXX, 2017, for various services to be performed by XXXX XXXX XXXX ( State Lic. # XXXX ). Included were Photovoltaic Panels, solar water heater and panel, solar attic fan, insulation, a variable speed pool pump, and 1-time roof remove replace. Also mentioned, was that the inverter would have a wifi monitoring system, and routine maintenance. " We would know if there was a problem with your panels before you did. '' is what we were told by the sales representative. 

We never received a wifi monitoring system, and the company does not monitor the panels like we were informed. 

We attempted to contact XXXX about the 1-time roof remove replace, after hurricane Irma had us file a claim with our homeowner 's insurance. We did not receive a response until we filed a formal complain with the financing companies. 

XXXX is now under the impression that we were requesting the solar panels to be removed, while we get our roof replaced, to which they denied. They stated that the notation on the contract was only for the solar water heater panel to be removed and replaced. 

XXXX offered to replace my roof at a " good price '' to which they would remove the panels and replace them, but I pointed out the 1-time roof remove replace was already included in the contract. 

I informed XXXX that I was seeking counsel for the contract and they stopped speaking with me, and told the finance companies that they would not speak with me any longer, due to seeking assistance from an attorney. 

The contract in question was for {$24000.00}, which included ; blown insulation, solar attic fan, 80 gal solar water heater and panel, a variable speed pool pump, and 1-time roof remove replace. 

I 've made several attempts to resolve directly with XXXX Contracting. I filed a formal dispute with the finance company ( Service Finance ), regarding the contract not being fulfilled. It seems like XXXX is confused or misinformed of what the contract includes, and what the dispute is regarding. I am disputing the installed inverter not having a wifi monitoring system ( which the inverter is fully capable of ), and the removal and replacement of the roof on my home, as noted on the contract.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report incorrect information on my consumer report. My name is XXXX XXXX there should be no other names listed as this would be identity theft and my address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX any other address is not correct and will cause issues with my credit applications and me receiving my mail. The credit bureaus are required to report accurate information or this is a violation of my consumer protection rights known as the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXXXXXX XXXX2018/ XXXX XXXX2018,  XXXX XXXX, 2018 and XXXX XXXX, 2018. All of which I still havent received a response. This is way past the 30 days the company has to respond
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ), and CAINE WEINER ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX ), and CAINE WEINER ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that which shouldn't be reported as late. 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 have never been late on payments for the account : Account Name : XXXX XXXX  ( Account # XXXX ) I filed a previous complaintthat was sent to the company directy in which are refusing to update the information and has not provided proof. In addition to that they are charging me either {$25.00} or {$40.00} for late fees, and will not provide an explanation as to why they have charged these different amounts Please re-investigate and request proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they shouldn't be reported as late. In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC 1681 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permssion of a court of competent jurisdiction. a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

IN THE PAST 6 MONTHS I HAVE SENT EQUIFAX, XXXX, AND XXXX SEVERAL LETTERS IN REFERENCE TO ACCOUNTS ON MY CREDIT REPORT THAT ARE BEING INACCURATELY REPORTED AND HURTING MY CREDIT SCORE AND REPUTATION. ALL 3 CREDIT BEAURUS HAVE SENT LETTERS BACK SAYING THAT THEY HAVE THOROUGHLY INVESTIGATED EACH ACCOUNT AND HAVE VERIFIED THAT THEY ARE 100 PERCENT ACCURATE. BUT HOW CAN THIS BE IF ALL THE ACCOUNTS ARE STILL SHOWING DIFFERENT INFORMATION SUCH AS DIFFERENT REPORTING DATES, AND DIFFERENT BALANCES AND SOME OF THE INFORMATION IS NOT EVEN REPORTING TO THE CREDIT BEAURUS. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY CONSIDERING THE FACT THAT THEY ARE REPORTING INACCURATELY AND THE INVESTIGATION TOOK LONGER THAN 30 DAYS.
Product: Credit reporting or other personal consumer reports

I am unable to request for my free reports online and unfreeze/freeze my credit myself. I will always get the need to contact customer service screen and it takes hours to get connected and the automated answering machine does not recognize me. It should not be such a barrier to get my own data. 

I attempted this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer purchased by XXXX XXXX XXXX on XX/XX/XXXX from XXXX and the original loan was through Santander Consumer USA without my consent my loan was bought out by XXXX XXXX XXXX and it was last reported on my credit report XXXX 1XXXX.I the consumer would like to file a complaint for the misuse of my information and it being traded to another company without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following items off of my Credit File as soon as possible : 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  Inquiry : XXXX XXXX, XXXX. In accordance with the Fair credit Reporting Act section 605b, you are expected to remove the disputed accounts and information off of my Credit File that resulted due to identity theft, please do so.
Product: Money transfer, virtual currency, or money service

I wanted to create a new account with this company and they banned when my account had been taken from me without my knowledge and they are refusing to give me a reason why and they keep giving me the run around and its XXXX me off.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety,
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX EXPERIAN BUSINESS CREDIT Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXXesident type Single family XXXX XXXX XXXXXXXX  XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : accounts not mine XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance XXXX Status Discharged through XXXX XXXXXXXX XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through XXXX XXXX XXXX/Never late. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through XXXX XXXX XXXX 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through XXXX XXXX XXXX/Never late. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} XXXX XXXX account. {$1300.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} XXXXXXXX XXXX account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$510.00} XXXX XXXX account. {$510.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXcy discharged Potentially negative Date Filed XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 an hard inquiry was shown on my credit report I have not given anyone permission to run my credit
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Westlake Financial regarding the inaccurate reporting of my credit information. I financed a vehicle through Westlake in XXXX, and the issue I am disputing pertains to the reporting of my final payment to them as being 30 days late. 

The circumstances surrounding this reporting discrepancy are crucial and pertain to the trade-in of the vehicle financed through Westlake. Prior to the scheduled final payment, I traded the vehicle in at XXXX XXXX XXXX, Texas. The dealership was responsible for the payoff to Westlake. Regrettably, the payment made by XXXX of XXXX was processed after the due date set for my final payment. 

I want to emphasize that this delay in payment was not within my control. I fulfilled my part by trading the vehicle in before the final payment was due. The timing of the payment made by the dealership is entirely their responsibility, and it is unjust and erroneous for Westlake to report this as a late payment on my behalf.

In accordance with the Fair Credit Reporting Act ( FCRA ), Westlake Financial is in violation of several crucial sections that govern accurate credit reporting. The specific sections of the FCRA pertinent to this matter include : 1. **15 U.S. Code 1681s-2** Responsibilities of furnishers of information to consumer reporting agencies : - Section 623 of the FCRA stipulates the duties of furnishers of information, requiring them to provide accurate and timely data to credit reporting agencies. In this case, Westlake Financial failed to report the accurate status of the account following the trade-in and subsequent payoff.

2. **15 U.S. Code 1681e** Compliance procedures : - Section 611 of the FCRA mandates that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information provided by furnishers. Westlake 's failure to accurately report the circumstances surrounding the trade-in and payoff directly violates this section. 

I demand immediate action by Westlake Financial to update the credit reporting on my account to accurately reflect the circumstances surrounding the trade-in and payoff. The reporting of a late payment inaccurately damages my credit history and financial standing, which I will not accept. 

I request that the credit report accurately indicates the trade-in and payoff without any suggestion of a late payment. 

I anticipate a prompt and appropriate resolution to this matter. I also request written confirmation of the rectification and updating of my credit report. 

Thank you for your attention to this issue and for ensuring the proper enforcement of the FCRA regulations. 

Sincerely, XXXX XXXX