23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX We switched our smart phone service from XXXX to XXXX XXXX We had two XXXX XXXX phones and one reader board. For some reason, the reader board, which was subsequently not used, was not able to be switched at that time. We did not realize XXXX would keep charging us for it. 
XXXX sent a bill in late XXXX for {$84.00}. I sent check # XXXX dated XX/XX/XXXX for that amount and that check cleared my bank on XX/XX/XXXX. I sent notification with the check that we were no longer using XXXX for our service. 
XX/XX/XXXX XXXX continued to bill us, and I phoned them. My notes show I talked to XXXX, who assured me there would be no more charges, and that our account was closed with the CLOSING CODE XXXX. 
However, XXXX kept sending emails that we owed them. Please see the copies of billing documents emails and subsequent debt collection notices and our replies thereto.
Product: Mortgage

Fay Servicing has illegally obtained my personal information and mortgage information from XXXX mortgage. Fay Servicing has failed to show any proof of legal contract ( XXXX contract and not XXXX ) in which they have the right to obtain or have my permission to have my personal or mortgage information. By failure to do so they have committed identity theft. They do not cease and desist all activities. And have a third-party of my choosing remove all my personal and mortgage information. Legal actions will have to be taken through Illinois state prosecutor 's office, the IRS and the FBI.

Failure to do so could also lead to additional charges in connection with embezzlement and misappropriation of federal government stimulus money by XXXX mortgage XXXX mortgage did not have legal right to sell/transfer mortgage without my permission. All payments have currently been paid to XXXX mortgage as shown in the pay stubs in attachments. 
Proof of this will be shown XXXX or legal action will be taken
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX transunion XXXX not reporting my rental credit b/c they dont get paid victim of ID theft give me the right to report accurate informaion FCRA law and rules so please report it
Product: Credit reporting or other personal consumer reports

I sent out the same request on five separate dates ( XXXX XXXX XXXX XXXXXX/XX/year>, and XX/XX/year>XXXX  ) asking how this was filed and explaining that this is not mine. I have never filed bankruptcy and do not understand how this is being reported on my credit report. I have not received any response to the multiple requests. This is causing several issues for me and needs to be resolved as soon as possible.
Product: Vehicle loan or lease

Westlake financial is the name of the company. 

Our semi truck was totaled in an accident, the insurance paid the majority of our loan off and we were left to pay XXXX. Westlake offered us a settlement offer of to pay XXXX XXXX XXXX XXXX and they will consider the account closed. On XX/XX/ we paid the amount requested, and they have yet to close the account. They are hitting my credit as late payments/non payments and making my credit score drop. We have called them countless of times requesting they close the account. They are rude, they hang up on us and just straight tell us a lie. I have lost my home that I was closing on because of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking Experian XXXX and XXXX to investigate my accounts according to 15 usc 1681i Experian XXXX Experian it have been more then 30 days to investigate and send me results and they also didnt record the current status of the disputed information which is another violation
Product: Credit reporting or other personal consumer reports

I have discovered a fraudulent Collection account on my credit report from XXXX XXXX opened on XX/XX/year> with the account number XXXX. Please remove it from credit report. ASAP
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear WAKEFIELD & ASSOCIATES, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity theft and fraud laws specific to XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that WAKEFIELD & ASSOCIATES has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically the identity theft statutes, underscore the necessity of consumer consent for the use and reporting of personal information. Missouri law emphasizes the protection of personal information and outlines clear guidelines for the fair use of consumer credit information. Unauthorized access and misuse of personal information constitute identity theft, which is a serious offense under Missouri law.

I assert with unwavering certainty that I have not provided consent for WAKEFIELD & ASSOCIATES to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that WAKEFIELD & ASSOCIATES immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri state laws on identity theft and fraud. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including those concerning identity theft.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that WAKEFIELD & ASSOCIATES will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

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

On XX/XX/XXXX XXXX XXXX placed a chargeoff on my credit claiming that I had an account with their company with account number XXXX. I have never resided in Texas nor have I ever given anyone permission to obtain utilities in my name. According to the entry on my credit report, it states that the account was opened in XXXX of XXXX and charged off in XXXX of XXXX. I researched the address where the alleged service was located ant it was in a trailer park in Texas. I am a XXXX  XXXX with impeccable credit and have never received such service or lived in a trailer park in Texas. Nor do I know anyone that lives in a trailer park. This has caused my score to decrease by 111 points and I was about to close on a home and purchase insurance but unable to do so since you put this fraudulent information on my credit. XXXX completed its investigation and determined it was fraud. Notice was sent to them by both XXXX XXXX and myself via certified mail requesting that the item be removed. Yet it still remains on my credit.
Product: Payday loan, title loan, personal loan, or advance loan

I couldn't make the payments because they were so high from adding additional stuff, so they filed a judgment against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are still violating my rights and hurting my ability to obtain credit by reporting inaccurate information on my credit report. They have failed to provide any proof I owe this company. Once again please provide the original purchase agreement with my signature that shows XXXX XXXX XXXX # XXXX are the legal owner of this alleged debt including all the terms and conditions that are included in the purchase agreement, original application and all statements from open to close and the original agreement between me and XXXX XXXX XXXX with my signature, the names, addresses and telephone numbers of the individuals that the credit bureaus contacted during their investigation for XXXX XXXX XXXX XXXX. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. If XXXX XXXX XXXX can not provide requested information the credit bureaus must delete it. XXXX already deleted this account based on the lack of ability to properly verify all reported information being accurate. What did Equifax and XXXX receive different from XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission,15USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Checking or savings account

In XX/XX/2017 I had around {$100000.00} in my BBVA Compass bank account, I found out my step dad stole my money and was commiting identity theft in my name, I reported it to XXXX  after I found $ XXXX in lines of credit and credit cards in my name, this money was my inheritance and it was stolen from me, along with my identity. I have filed affidavits and done all the proper steps under federal law for BBVA to handle this accordingly but has failed to do so, my attorney has filed a complaint with the Attorney Generals office of California - XXXX XXXX against BBVA Compass Bank for Banking negligence resulting in the loss of funds of claimant - XXXX XXXX. In the last CFPB response from BBVA Compass Bank all that was stated after a TWO WEEK investigation was dispute it ... I am asking BBVA once more to investigate and return my funds that are due to me under federal law. 


I contacted their dispute department at the number they provided me XXXX, I got someone who knew absolutely NOTHING. He said they arent able to dispute it and that they dont have to abide by Federal Trade Commission rules / laws and same for the CFPB, it was oblivious the man did not care about my situation and simply said oh its late so you know ... after ONE HOUR on the phone. 


I am asking BBVA FOR THE LAST TIME to return my funds that are FDIC FEDERALLY insured against fraud. This is not my issue, and will seek to obtain my rightful money.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal bill from my credit report that is not mine and is adversely affecting my credit score. The details of the account in question are as follows : Creditor Name : XXXX Date of Charge/Account Reported : XX/XX/year> ( XXXX XXXX XXXX XXXX ) Amount : {$780.00} This account pertains to a phone bill that I have not agreed to / utalize. It is my understanding that due to accounts not being mine it should no longer appear on my credit report, as per the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is invalid on my reports. The account keeps coming back as verified. But how can that be if it is not verified/validated. I disputed with original debtor and it was removed from all 3 reports since it could not be verified/validated. Then the debt buyer came along and reporting on an unvalidated/verified account. XXXX deleted since it is a violation. However, XXXX XXXX Experian still are in violation. Please get this deleted immediately. 

XXXX original debtor XXXX XXXX
Product: Credit card

I have an Amazon Store Credit Card. On XX/XX/XXXX, I paid my bill for XXXX. On XX/XX/XXXX, I paid my bill for XXXX. However, in late XXXX, I started receiving texts stating that my account was past due. When I logged in to check, I noticed an issue and contacted support. 

It turns out my XX/XX/XXXX payment was applied to the XXXX bill instead of the XXXX bill. I asked why this happened, and they explained that my XXXX statement was officially generated a few hours after I made my payment. Because of this, the payment was automatically applied to the XXXX balance, leaving the XXXX balance unpaid. 

I requested that they reapply my XX/XX/XXXX payment to the XXXX bill, as that was my intention, but they refused. 

This practice unfairly penalizes customers, particularly those with limited funds who are trying to make payments on time. Refusing the apply the payment to the current statement can lead to unnecessary late fees and financial stress, even when payments are made promptly. It disproportionately affects individuals who may not have the ability to pay twice in the same cycle, creating an unnecessary financial burden.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is not complying with the time periods established by the Fair Credit Reporting Act ( FCRA ). As of XX/XX/XXXX they are in violation. I am filing a complaint with the CFPB to help me hold TransUnion accountable to the FCRA. The FCRA says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. 

I have filed multiple disputes, and even threatened to bring lawsuits, to get inaccurate information corrected in my credit reports. 

Here are the details : I submitted a dispute on to TransUnion on XX/XX/XXXX. TransUnion received my request on XX/XX/XXXX. The file number is XXXX. The item in dispute : XXXX XXXX XXXX. As of XX/XX/XXXX I have not received correspondence from TransUnion. The estimates completion date was XX/XX/XXXX. 

In order to amicably resolve this issue, I am asking that TransUnion remove the XXXX XXXX XXXX item from my credit report.
Product: Money transfer, virtual currency, or money service

My complaint is that Western Union has received my money and is now holding onto my money unnecessarily instead of immediately delivering to my receiver in XXXX. 
Additionally, the exchange rates have also changed ( + {$0.00} ) during this unnecessary delay. 

I consistently use Western Union on a monthly basis with the same type of bank to bank transfer transactions and it has never taken this long to execute my request. 

Supervisors were unable to address my issue and advised that they have not received my funds yet, but even after offering evidence that the funds had cleared my bank account ( not pending ). 
When supervisor was asked what government entity regulates their business he was unable to provide me the information. 

Western Union supervisor and representatives stated that they have up to 4 business days to process my request as banks take different amounts of time to release funds- this is not the case here as my transaction has cleared. 

Western Union transaction reference : XXXX : XXXX
Product: Checking or savings account

Good afternoon, I have a problem with my Chase check account the situation is that it was closed, in the app tells me it's for suspicious activity, from day to day no longer worked, I tried to communicate with the bank vary times and they hung the call on me, Yesterday I was finally able to communicate with them, to begin with the boy who attended me was very rude, he didn't give me any information at all. I asked him if he had been blocked. I have no problems at all if someone stole my identity I can't know why I don't have access to any of the accounts, he couldn't give me any reason or explanation, I asked him what I could do and he told me in a mocking tone " go to another bank '', I had a covid health problem and I couldn't make my chase credit card payments, but it was 2-3 months, I'm just committed to paying, but they don't even want to take care of me. I hope it helps, thank you very much in advance
Product: Mortgage

Round Point Morgage company services my loan. I have been affected by Hurricane Harvey by means of flood water. This is my second flood in two years, so i kind of knew what to expect with Roundpoint. When dealing with an insurance claim you must deal with their loss mitigation department. This department handles all insurance claims for the company. To actually speak to one of those agents is almost impossible. I have called more than 30 times and waited on the phone on average of 1 hr before actually speaking to one of these agents. While waiting agents will come on the phone and tell you they in fact work for the department, only to find out after 30 mins not being in that department and cant really help you. They do not have a clear set of rules when dealing with contractor payments and documents needed.They also offered me a plan to " help '' to only pay xxx amount for 3 months then role the balance at the end after a trail payment period of three months. I have since made in full my mortgage payment for a consecutive 5 months only to learn this does not match the trial period guidelines and there may be a problem. This company is very shading and trusting them to do the right thing isn't advised.
Product: Credit card or prepaid card

On XX/XX/2019 I received letter changing credit card ( USAA ) fees. Cash Advance Fees  would be fixed at 3 %. On XX/XX/2019 I received promotional " convenience '' checks ( USAA ). The letter clearly noted these checks carried a {$75.00} maximum per transaction Fee. The promotional letter has no expiration date. 

On XX/XX/2019, I cashed a convenience check, provided with the XX/XX/XXXX promotional letter, in the amount of {$30000.00}. USAA charged me a cash advance Fee in the amount of {$900.00} or 3 %. 

I contacted USAA directly. USAA refused to honor the XX/XX/2019 promotional letter and referred me to the prior XX/XX/2019 change of terms letter. I believe this to be misleading if not fraudulent, and, quite frankly, I am shocked given my 25+ years of banking and insurance experience with USAA .
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 
Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Credit card or prepaid card

I have previously submitted a complaint on this account last month. Company agreed to remove previously incorrectly charged interest fees but now they've done it again after agreeing not to charge interest. 

XX/XX/XXXX - {$27.00} I attempted to contact them via phone but they refused to correct their obvious error.
Product: Credit card or prepaid card

This is not the first time or the first card this company SYNCHRONY has opened and then closed with NO prior notice They have closed 5 accounts on me for various reason but only using 1 each and every time and that is a review of my credit Which is a total lie They have not researched my credit as I get a notice when ANY company does that and they have closed 3 of them within two months of the ok for them with no charges on them This institution is a FRAUD and I now know that I am one of many and the companies they serve have NO IDEA they are doing this! Please take all the complaints into consideration I'm open to a class action law suit against this company and what they have done to my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to XXXX  and Ive informed them that I had 53 inquiries that I did not authorize or recognize and they still would not remove the inquiries I also have a credit repair person that has been sending out letters with no response
Product: Credit reporting

After being denied a secured credit card through XXXX, I was redirected to get a free copy of my credit report through Experian. I have tried multiple times to complete the application and continue to be stopped by " unable to process your request ''. I have used there online system and phone system several times ; as well as spoke to a supervisor by the name of XXXX, who could not help me resolve this issue and continue to redirect me to another site for a " free '' credit check or pay for membership. As a consumer I have the right to a free copy of my credit report when it is used in an application. Theory have left me at a dead end and I can not find anyway to resolve it!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, we filed a complaint against XXXX XXXXXXXX XXXX   because they were reporting incorrect information on our credit report. They responded to our complaint on XX/XX/XXXX, stating they were going to fix the situation. As of today ( XX/XX/XXXX ), they are still reporting the inaccurate information on our credit file.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment regarding the ongoing failure to remove fraudulent items from my account, despite multiple attempts and escalating complaints. Despite my persistent efforts and cooperation, the fraudulent charges persist, causing significant financial and emotional distress. 

The persistent presence of fraudulent charges on my account not only undermines my confidence in your organization 's ability to protect its customers but also reflects poorly on your commitment to addressing fraudulent activity promptly and effectively. 

XXXX a thorough investigation into the origin and nature of the fraudulent charges. 
Promptly remove all unauthorized charges from my account and ensure the reversal of any associated fees or penalties. 
Provide a detailed account of the steps taken to address the fraudulent activity, including an explanation for the persistent delays in resolution. 
Implement stringent security measures to prevent similar incidents from occurring in the future. 
I emphasize the urgency of resolving this matter expediently to restore my faith in your organization and safeguard my financial interests. With this, I am asking for your assistance to remove these fraud items in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX