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

Westlake Direct will be recognized as ( The Company ). According to the consideration of the contract, the consumer was required to provide any billing error resolutions before westlake direct in lieu thereof westlake finance in which the billing statements are subject. A Consumer Credit Contract as to extending a line of credit was issued between XXXX XXXX XXXX XXXX and Westlake Direct , LLC ( WLD, LLC ) on XX/XX/XXXX, under loan and account XXXX. The Contract substantiates that the Consumer was issued as credit extended for a XXXX XXXX XXXX for personal, family or household purposes in which a cash advance would be issued before the consumer in return for the finance charge included within the contract as a purchase money loan which is applied, in whole or substantial part, to the purchase of goods or services from the seller ( XXXX XXXX ) who is affiliated with The Company via contract/ business arrangement. On XX/XX/XXXX, XXXX am, the consumer paid off the debt, paid as agreed, according to the contract by submitance of a registered security instrument ( XXXX ) i.e.- check tender of payment, of the companies indenture trustee XXXXXXXX XXXX XXXXXXXX and on XX/XX/XXXX, XXXX am, the companies indenture trustee received a registered bearer security instrument w/ proper endorsement before The Companies indenture trustee of XXXXXXXX XXXX XXXXXXXX XXXX which the consumer would receive payment of past, current and future billing so long as the contract is in place of the active account associated with the contract. 
On XX/XX/XXXX, XXXX am via registered mail XXXX Vice President XXXX XXXX Of Westlake Direct received the consumers billing error notice from having reviewed the billing error statement dated XX/XX/XXXX. The Company had been provided the necessary data in which exhibited the registered securities ( instrument ) that were to be [ ing ] processed via their indenture trustee in which the debt was paid as agreed and the consumer would be extended credit for past, current and future payments from the companies account via consumers Treasury Direct Account ( TDA ) as instructed via The Companies Indenture Trustee of XXXXXXXX XXXX XXXXXXXX. The Company was provided adequate and timely notice within 60 days of the billing statement in which the Notice demonstrated that 1. A reflection on a statement of an extension of credit which was not made to the obligor & 2. The creditors failure to reflect properly on a statement a payment made by the obligor. The Company had until XXXX XXXX in which to respond to the billing error notice and is in noncompliance of Fair Credit Billing Act ( FCBA ) as codified in 1666, subject to forfeiture of disputed amounts as prescribed inSection 161 ( e ) of the Truth in Lending Act ( TILA ) and a violation of section 130 of the Truth in Lending Act ( TILA ).
Product: Debt collection

I sent a letter to Diversified Consultants Inc on  X/XX/2017 requesting that they validate NOT verify a debt that they are attempting to collect from me in the amount of {$340.00}. I specifically asked for a signed agreement and other supporting documentation. They provided me with a billing statement which does not prove that I am obligated to pay them anything.They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Product: Debt collection

I am writing to address a critical matter concerning my credit file. After contacting the following respected banks about accounts on my credit report, it's clear they can not provide records for the mentioned accounts. Representatives from these banks have acknowledged the situation and agreed to update my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I contacted XXXX XXXX regarding my account and was told they no longer had the account, it was sold. TransUnion reports XXXX XXXX close XX/XX/2020. But continues to report late payments and Charge off on the report after the close date, showing on TransUnion and XXXX.
Product: Mortgage

What is the reason you have closed my complaint # XXXX? 
I indicated that I was not satisfied with the response. They have only made things worse so far. 

Please review my notes and comments and responses. 

One department at Home Point is telling me the reason the taxes weren't paid is because they were not on the settlement statement and that upon running an escrow analysis they found there is a shortfall in the escrow account. 

Another department sent me a refund check for what I paid in taxes. However they indicate there is a shortfall in the account so why would they send me a check if there is a shortfall? 

Additionally the escrow analysis seems to have errors. But no one seems to be able to address this with me. I need someone to get my account straightened out. This is ridiculous.
Product: Credit reporting or other personal consumer reports

Dear LVNV Funding LLC, I am writing to request that my personal information not be shared with third-party non-affiliated companies, as permitted by 15 USC 6802 and 16 CFR 313.7 As A Federal Protected Consumer to Exercise My Consumer Rights. 

As a consumer, I value my privacy and wish to exercise my right to opt-out of the sharing of my personal information for marketing purposes with companies that are not affiliated with your institution. 

Please consider this letter as my formal request to opt-out of any such sharing of my personal information with third-party non-affiliated companies immediately and indefinitely. 

I understand that you are required to comply with this opt-out request promptly upon receipt, and I expect confirmation of this action in writing. 

Please be advised that this opt-out request is not to be construed as a revocation of any consent previously provided under other applicable laws or regulations. 

If you have any questions or require further information, please do not hesitate to contact me at the email address provided or phone number XXXX with CFPB. 

Both Credit reports have been uploaded showing inaccurate information. Also a Third party collection agency copy has been uploaded. My private and personal information have been violated by LVNV according to FCRA 15 USC 1681.
Product: Credit card or prepaid card

I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying Chase of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX. 

Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however Chase is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud. 

Chase has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.
Product: Mortgage

I refinanced my loan out of XXXX XXXX XXXX and the loan was paid off in full on XX/XX/2020. According to the loan service company Dovenmuehle Mortgage Inc the refund check was issued on XX/XX/2020. After several weeks of waiting for the refund check I was told that I would have to wait 30 days for them to issue out a replacement check. I called on XX/XX/2020 to initiate a replacement check. After calling several times and getting the runaround I was told that once again I would need to wait another 30-days to receive the replacement check. To date no one was able to confirm that a replacement check was ever issued. It has been over 60-days since the loan was paid off and I am still waiting for my escrow refund of {$8300.00}.
Product: Credit reporting or other personal consumer reports

chexsystem Please investigate this matter and correct the inaccuracies on my report. I would appreciate a response within 30 days of receipt of this letter. 

delete Unpaid XXXX Closures in Last 4 Years : {$000000000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations : XXXX XXXX XXXX XXXX dept of ed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act
Product: Credit reporting or other personal consumer reports

Subject : Request to Block Fraudulent Information & Correct Credit Report Due to XXXX XXXX XXXX XXXX XXXX I am writing to formally request the immediate blocking and removal of fraudulent information from my credit report under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). I am a victim of identity theft and labor trafficking, which resulted in unauthorized accounts and inquiries appearing on my credit report. 

XXXX XXXX XXXX XXXX XXXX Explanation : From XX/XX/XXXX, to XX/XX/XXXX, I was a victim of labor trafficking, during which I was forced to work without pay and had no control over my financial affairs. As a result, fraudulent accounts were opened in my name without my knowledge or authorization. Additionally, I recently discovered that my personal information has been used fraudulently, leading to further inaccuracies in my credit report. 

I request that you immediately block or remove these fraudulent accounts until a full investigation is completed. I have enclosed supporting documentation to verify my claims.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXAccount # XXXX XXXX XXXX XXXX Account # XXXX, 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters via USPS Certified Mail requesting that the credit reporting agency remove an unverified account from my credit report ( XXXX XXXX XXXX ). Each time I send a letter, they send back a copy of my credit report and a statement that says : " Our investigation of the dispute ( s ) and/or other request ( s ) you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to verify the accuracy of the information and provide us a response to your dispute ''. 

I have sent a total of 4 letters to them over the last few months. The account has not been verified or removed from my credit report. I have not received any documents or other information that proves the accuracy of the account as I requested.
Product: Money transfers

ON XXXX/XXXX/2015 I SENT XXXX TO WESTERN UNION VIA ELECTRONIC BILL PAY IN RELATION TO MTCN XXXX AND STILL HAVE NOT RECEIVED THE FUNDS OR A REFUND. A REFUNDED CAN NOT BE RETURNED TO THE ACCOUNT BECAUSE THAT ACCOUNT HAS BEEN CLOSED AS A RESULT OF THIS MATTER. ON XXXX/XXXX/2015 I SENT XXXX TO WESTERN UNION VIA ELECTRONIC BILL PAY IN RELATION TO MTCN XXXX AND STILL HAVE NOT RECEIVED THE FUNDS OR A REFUND THIS ALSO CAN NOT BE RETURNED TO MY NOW CLOSED CHECKING ACCOUNT AND WU HAS BEEN TOLD THIS OVER AND OVER. I RECIEVE NEW LIES FROM THEM DAILY ABOUT WHERE MY MONEY IS AND THE REFUSE TO FOLLOW THROUGH WITH THE TRANSFER OR HAVE MY FUNDS READY AT A LOCATION FOR PU IN CASH. I AM BEING EVICTED FROM MY HOME AS A RESULT, MY XXXX HEALTH AS WELL AS XXXX HEALTH HAS BEEN DRAMATICALLY EFFECTED ( I AM XXXX ) THERE SEEMS TO BE NO END IN SIGHT AND I AM NOW ON THE STREETS.
Product: Credit reporting or other personal consumer reports

Hi Equifax, I don't know what is going today I am checking my credit report again and still see those fraud inquiries that shall be deleted from my credit report. 


XXXX XXXX, INQUIRY DATE : XX/XX/year> XXXX XXXX, INQUIRY DATE : XX/XX/year> XXXXXXXX XXXX  XXXX XXXX, INQUIRY DATE : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

Use the discover card to purchase an item ( {$110.00} ) from a 3rd party seller on XXXX, back in XX/XX/2022. Item had defect and I returned the item in XX/XX/2022. Seller didnt issue refund and claimed they did not receive the return. I submitted the dispute with Discover in XXXX and now in XXXX they denied the dispute. Called Discover trying to resolve the issue, talked to a representative who could only recite a description like a robot and her supervisor refused to answer my call. Been with Discover for XXXX years and made one dispute, they chose to not believe the loyal customer and instead returned with the lowest quality customer service.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts/inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

Debt Validation Letter for LVNV Funding LLC LVNV Funding LLC Subject : Debt Validation Request Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and the Fair Credit Reporting Act ( FCRA ) I am writing in response to the debt you are reporting on my credit report. I dispute the validity of this debt in its entirety and request full validation as required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 



Under 15 U.S.C. 1692g ( b ), I formally request the following information : 1. Proof of Debt Ownership : A signed contract or agreement showing I have a direct legal obligation to LVNV Funding LLC. 

2. Chain of Custody : A complete payment history and a detailed breakdown of how the alleged balance of {$990.00} was calculated, including interest and fees. 

3. Proof of Assignment : A copy of the contract between XXXXXXXX XXXX XXXX XXXX and LVNV Funding LLC proving the transfer of debt. 

4. Proof of Authorization : Your companys collection license for my state, demonstrating that you are legally permitted to collect debts in my jurisdiction.

Additionally, under 15 U.S.C. 1681s-2 ( b ), if you are unable to verify this debt with proper documentation, you are required to request its immediate removal from all consumer reporting agencies ( XXXX, XXXX, and XXXX ) . 



If you can not provide full validation within 30 days, I demand that you cease all collection activities and delete this account from my credit report. Reporting unverifiable or inaccurate debt violates the FCRA ( 15 U.S.C. 1681n and 1681o ), and failure to comply will result in legal action. 



This letter serves as formal notice that I do not consent to phone communication. All correspondence must be in writing. Any further violation of my consumer rights will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 



I expect your written response within 30 days of the date on this letter. 



Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Good Morning, I was logged into XXXX XXXX and was notified I had an " outstanding '' approval odds for a small loan. 

I decided to apply and was immediately approved via an online message... this loan was only about XXXX dollars for 36 months/XXXX XXXX a month payment ; with an insane interest rate of almost 32 %. 

One Main Financial, the originators of the loan, called myself this morning and ask me several questions, employment, phone numbers, income, etc ... .I answered all their questions honestly, and specifically mentioned my Veteran XXXX income as well. 

After several minutes of my mini interrogation, I was denied the loan based on me not making enough money, ( over XXXX ), and my XXXX XXXX XXXX ... .when I was done laughing, I told them to enjoy the rest of there day and graciously hung up the phone. 

My major complaints are that I was approved for this loan, at least initially, and that after giving them all my personal information and that I'm a veteran ... .then they turn me down ; which I cant prove, but they were already going to turn the loan down anyway before I gave them my information. 

In my opinion, they can approve or turn down anybody of course, but I believe they mislead my to get all my personal information first to sell to marketers... obviously I cant prove this. 

If they are allowed to do this then so be it, however, this practice is unethical and needs to be reviewed. 

I appreciate your time in regards to this matter. 

Thank You. 
XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section two. It also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USC s 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Lastly, in accordance with US Code 1681c-2 a consumer reporting agency shall block reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged idenity theft, no later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are a violation. Under US Code 1681b - permissible purpose of consumer report have been violated I did not give written consent to report. No consent is also violation and identity theft. As a consumer I demand the deletion of the listed accounts below immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Shellpoint Mortage It reflects 60-days late on my credit report for account # XXXX. I have attached a copy of the deferment letter. My loan has been in deferment from XXXX XXXX-XXXX  XXXX, I was informd that while my loan was deferment and they was trying to work out a mortage plan for me to keep my home, my credit score would not be affected, and they would not report my payments as late. But inside they did to all credit bureaus. 


XXXX XXXX XXXX deferment it reflect 90-days late on my credit report account # XXXX I have attached a copy of the deferment letter. My loan was defermened and they was trying to work out a mortage plan for me to keep my home, credit score would not be affected, and they would not report any negative action to the credit bureau. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying my account on time for well over a year and there is proof attached, also the only reason XXXX XXXX marked my payment late was because of a error on the XXXX XXXX website. I was trying to pay at night on XX/XX/2022 and the website was not working. I ended up 1 day off and payed on XX/XX/2022 because their faulty website. That should not constitute a late payment. As promised by the CARES act I should be accommodated and compensated for this headache and emotional trauma that this has caused. 

Also, I contacted the company to try and get this removed but they would not comply and said that " We do not remove late payments '' My credit went down a TREMENDOUS amount as well and it made it very hard to to obtain new credit, I was also denied for certain credit products due to the fraudulent late payments.