23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete this fraudulent bankruptcy from my lexis nexis credit report. This bankruptcy is unverifiable and under FCRA section 609 if a  bankruptcy can not be verified pit must be deleted. I have filed a police report, ftc complaint, attorney general office, XXXX  and XXXX   have removed the bankruptcy, but remains on lexis nexis. 

Record Type Chapter XXXX bankruptcy discharged Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Responsibility Individual Reference Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX XXXX {$6900.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX  {$430.00} XX/XX/XXXX XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX   {$1900.00}XX/XX/XXXX XXXX XXXX XXXX  {$860.00} XX/XX/XXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX   {$450.00} XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with XXXX XXXX in XXXX XXXX IA. This is reporting to XXXX but not showing on transunion. I have contacted both companies multiple times but they just keep bouncing me back and forth with no resolution. This has now been going on for a year since the account was opened. XXXX XXXX phone number is XXXX XXXX XXXX. Account number is XXXX
Product: Debt collection

On XX/XX/2020 I placed a trade online while market was open and bought 50 shares of XXXX ( XXXX ) at {$24.00} a share with a {$2000.00} deposit.When I previewed the trade online the bid amount has a margin of $ XXXX.When I submitted the trade few minutes later it sold for {$24.00} leaving an available cash to withdraw of $ XXXX.I transferred the available cash back to my Bank Of America checking account and submitted the trade. 
On XX/XX/2020I received a email from Merrill to deposit more cash ( {$600.00} ) I suspected something was wrong after I placed the trade.I called Merrill and spoke to a representative who said I need to deposit {$590.00} cash for the trade.I told her I submitted the trade for $ XXXX/share and not $ XXXX/share.Also offered to have the stocks as collateral and have them net off the difference when XXXX stock price appreciate.XXXX stock plummeted that day to less than $ XXXX/share.She said someone else will call me.No one called me back on XX/XX/2020 
On XX/XX/2020 I received a call from another female representative ifrom Arizona.She threatened to sell XXXX stock if I don't make a deposit of {$590.00} to cover the trade. 
I told her that's unacceptable then XXXX stock lost value sold for under {$15.00} ( see attached documents ). 
OnXX/XX/2020 I called Merrill and spoke to a XXXX XXXX to see how I can resolve the issue.I suggested applying for margin and use the stock as collateral which I did after the call.At closing of trading on XX/XX/2020 43 units of my XXXX stock was sold by an insider for {$14.00} a share against my wish and lost {$1200.00} left me with 7 shares of XXXX stock.All this happen pending the margin application submitted same day. 
I'm requesting my total refund of amount invested ( {$1200.00} ) or 50 shares of XXXX stock originally bought.
Product: Vehicle loan or lease

XX/XX/XXXX XXXX XXXX in XXXX, FL told me my loan would be with Wells Fargo Auto Loans and provided me a specific payment amount and my first payment date. 

A few days later I received a call from an unknown number. When I answered the woman started asking me a lot of questions about myself and my income, etc. After pressing her to tell me why she was calling, she said she was with Wells Fargo Auto Loans and this was a standard welcome call to verify information. She told me that I would receive information in the mail in a few days regarding setting up payments, etc. 

On XX/XX/XXXX, I received a form letter from the dealership stating they had exercised the option to cancel the contract and I was to return the vehicle. This letter was dated XX/XX/XXXX. I called the dealership and the finance person said that Wells Fargo turned me down for the loan because they didn't understand the deferred income shown on my pay slips I provided. Bear in mind that this was the first time I had been told of this. The finance person said not to worry that he had another bank that would take the loan. At that point, it would have been difficult to unwind the deal and give me my old car back because they had already paid off that loan and sold that vehicle. 

On XX/XX/XXXX, he called me back and told me he had gotten me approved at XXXX XXXX. He asked if I could come in and sign the paperwork that it should take no more than a few minutes. I said I could come the following morning. 

on XX/XX/XXXX, I arrived at the dealership and went to the finance person 's office. he was not prepared for me and said to give him a few minutes. I waited in the lobby for 2 hours. In the meantime, I received several email alerts from XXXX that my credit was pulled at least 6 more times, including Wells Fargo. Finally, he called me back. Keep in mind that my credit score has now dropped from the XXXX range to the XXXX range because of all the inquiries. The approval ended up being from XXXX XXXX  but the interest rates were much higher and my payment was much higher. I felt trapped and had to agree to this because I had to have a car and they told me it was impossible to unwind the other part of the deal and get my old car back. They claimed that everything would be ok and I could refinance with a credit union in a few months when my credit scores rebound. 

I filed a complaint with Wells Fargo and they have told me that the reason I was approved because my pay slips indicate that the majority of my income comes from bonus/add'l income. They never gave me the opportunity to explain that and that the term " bonus '' is misleading.
Product: Credit reporting or other personal consumer reports

in XXXX I applied for a mortgage through service finance the account was closed in XX/XX/XXXX attached you will find a XXXX XXXX report of the account in question XXXX credit file is incorrect
Product: Credit reporting or other personal consumer reports

XXXX / XXXX reporting is inaccurate : My history the company XXXX CLEARLY STATES THAT A LATE PAYMENT OF TRANSACTIONS OR EXPERIENCES BETWEEN the consumer and the person making the report is not included in the consumer report! 

They have violated the Fcra 15usc 168ia 2ai by reporting this transaction or experience on my Consumer Reports they have 10 calendar days to update my payment history or delete all late payments below accounts Failure to respond with deletion of the above consumer reports will result in legal actions being taken against companies for which I will also be seeking {$1000.00} per violation for! .Defamation of character 2. Negligent Non - Compliance 3. Civil Liability 4. XXXX XXXX 5. Fair Credit Reporting Act 15USC 1681 VIOLATIONS WILLFUL NON -COMPLIANCE -616 CIVIL liability FOR WILLFUL COMPLIANCE ( 15 U.S.C 1681 in
Product: Credit card

I just received my credit report. There are XXXX derogatory entriesXXXX from Bank of America. I complained to them XXXX years ago and assumed they had removed them. 
I have NEVER had an account with BOA. I received XXXX unsolicited cards from them in 2011 which I assumed were sent by mistake. They were never activated and I still have them in their original wrappings. 
I 'd like XXXX charge-offs removed from my report.
Product: Payday loan, title loan, or personal loan

This is a report of Identity Theft and fraudulent loan initiation by XXXX Prior to these events I had no awareness of or relationship with the company XXXX XXXX called my wife at XXXX XXXX  Monday XX/XX/XXXX to verify a loan request, she told them it was not a valid request. 
Shortly after, I received an email saying the loan had been approved so I called the XXXX customer service number to discuss it - XXXX XXXX I talked XXXX XXXX and explained that that any account on the site was fraudulent, and not created by me. He refused to help me unless I provided PII so I hung up. 
I logged into their web site, did an email password recovery and saw that there was a profile for me with a Loan ID : XXXX approved for {$1400.00} principal with a {$6100.00} payback amount over 6 months. 
I sent an email to XXXX notifying them that the Loan ID was fraudulent. 
I logged into the three credit agencies and put a freeze on my credit report. 
I then called XXXX XXXX and provided the Loan Number # and explained that it was fraudulent. I talked to XXXX, escalated it and as passed to XXXX in the Resolution dept. I explained that this load request was not made by me, is fraudulent, that the funds were not being sent to an account I control, and they needed to stop the fund transfer but they refused to do an immediate block on the transfer. 
She reminded me that the call was being recorded so I asked for a copy of the recording. She said she would put a note in the file with my request. 
XXXX recommended I send an email to the customer service email address- which I had done 30 minutes before but she said she could not locate. I resent the message. She then requested that I file a police report and send it to the customer service dept. and it would be reviewed in the next 24 to 48 hours - and then a determination would be made on whether to stop the funds transfer. 
I filed a report on this incident with the XXXX XXXX Police XXXX : General Information Incident Type Identity Theft Tracking Number XXXX This information was forwarded to the XXXX customer service email. 

On Tuesday XX/XX/2021 I called XXXX to confirm they had the emails from me and asked them to stop the funds transfer. I talked to " XXXX '' and he asked for a police report and indicated it would take 24 to 48 hours to review the information. I escalated and was transferred to " XXXX '' who I said they could not find the police report in my emails, so I sent it again. 
They reminded me that the call was being recorded so I asked for a copy of the call recording. 
" XXXX '' indicated that the load ACH transfer had taken place that day so it was not possible to stop it. 

XXXX XXXX Routing Number : XXXX Account Number : XXXX Account type : Checking
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. 

Account Name : XXXX 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. Or a list of inquiries : 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

XXXX XXXX XXXXXXXX XXXX 48 Months length of loan Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/2022. 

Date opened : XX/XX/2022 Balance Updated : XX/XX/2022 This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXXXXXX {$430.00} XX/XX/XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX {$6500.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have received a call from this company at the phone number XXXX. They are threatining me to contact them today ( XX/XX/2019 ) or they will be forced to file some sort of lawsuit against me on XX/XX/2019. They also called me yesterday ( XX/XX/2019 ) and made the same threat to contact them before XXXX. I'm not sure what type of debt this Is, being that I am already In a financial crunch since XX/XX/2019 from being laid off from my other job, but they mentioned something about banning my social security number or something strange like that. I really don't know. I can't afford a lawyer at this time, and I would like these calls to stop being that I am already dealing with a lot at this point In my life.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute Regarding Federal Student Loan Balance, Experian Data Breach , and FERPA Violation To Whom It May Concern, I am submitting this formal dispute regarding inaccuracies in my federal student loan balance as reported by my loan servicer, as well as concerns related to the Experian data breach and a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) . I request a thorough investigation and correction of the issues
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app block incorporated due to inadequate customer service unfair practices which violates the Consumer Financial Protection act specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic funds transfer act and Regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress For these violations
Product: Mortgage

In XXXX XXXX I was looking for lenders to refinance my home and Cash Call was the lender I was dealing with at the time, XXXX XXXX was the loan XXXX he issued me a Loan estimate on XXXX I disagreed with the offer, I told him the payoffs were off quit a bit come to find out XXXX ordered payouts from both my mortgages and I was billed for it on my monthly mortgage statement {$25.00} dollars and never gave me a copy and I requested it after I learned what he did, he did worse than that he change my Home owners insurance XXXX payee to IMPAC MORTGAGE CORP DBA CASH CALL and removed my current mortgage provider. XXXX never informed me of anything is a matter of fact I emailed him after receiving the loan estimate informing him to lower the rate and fix the errors he ignored me and changed my insurance policy anyway very pushy the company puts a lot of pressure on consumers, in other wards if something happen to me cash call would be getting paid instead of my current lender. first of all that should be illegal second of all I never had a financial agreement with them.
Product: Debt collection

To Whom it May Concern, I recently pulled my credit reports and noticed you are reporting the incorrect balance for this account, XXXX XXXX ACCOUNT # - XXXX BALANCE- {$3000.00} This account has not been properly verified, Please delete this account immediately.
Product: Mortgage

My wife died in XXXX of last year. I sent a copy of her death certificate to Mr. Cooper, asking them to take her name off of the loan. Later I sold my home. A month or two ago I received two large checks from NationStar, made out to me and my wife. My bank told me that with her name on there I would be unable to cash or deposit them. I sent them back to NationStar with another copy of her death certificate, and nicely asked them to re-issue checks with just my name on them. I kept waiting. Yesterday, I received another large check with my name and my wife 's name. Apparently, they did not read my letter or ignored it. These checks are for a lot of money that is rightfully mine, and I need the money badly. I can not find a phone number for them. They are in XXXX, TX Please contact them and tell them to send me the money in my name only.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$53.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$430.00} ; XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$3000.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$84.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2018 Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

My information was bought and sold illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately. 

I am attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

Please help me delete these negative items off of my credit report : XXXX  XXXX - Account # XXXX  XXXX  - Account # XXXX  XXXX - Acct # XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for not failing to properly investigate my disputes.l regarding inaccuracy in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Futhermore, Experians actions may also contravene Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have filed the correct paperwork according to the FCRA and I have disputed the accounts with all three credit reporting agencies. The disputes are not being filed correctly with the paperwork I have submitted and I have not gotten copies of the verification process These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I closed out my checking account with Citizens Bank in XX/XX/XXXX. Unbeknownst to me I had 2 small payroll checks totaling {$440.00} get direct deposited into this closed account on XX/XX/XXXX. Per Citizens, if anything occurs on a closed account within 60 days of closing, they automatically reopen the account, which they did. because I closed out the account in XXXX and chose to go paperless, I had no reason to further check this account, so I knew nothing about the deposit until XX/XX/XXXX when I received notice I owed them {$8.00}. I tried calling the 800 # provided to no avail. On XX/XX/XXXX I received a 2nd notice informing me I now owed {$33.00}. This time I went to local Citizens branch in XXXX XXXX, NH and found out about the reopened account and that I had 2 checks deposited in XXXX of XXXX. From XX/XX/XXXX to XX/XX/XXXX I never heard a word from Citizens, all the while they were taking {$25.00} each month from this reopened account until they drained the original deposit of {$440.00} and now they tell me I owe them money. The account I had with Citizens required a minimum balance of $ XXXX, otherwise I would have to pay {$25.00}. I requested Citizens refund me my {$440.00}, remove any overdraft charges and close the account as I asked in XXXX of XXXX. They offered me {$150.00}, which they would deposit into my account, then they would take the {$33.00} out, leaving me to take {$110.00}. I promptly turned them down and requested to speak to a senior bank employee, to which I was told there was no one to speak with. I am furious that a bank can reopen a closed account, then accept a payroll check, then drain that account by charging {$25.00} each month until there is no money left and have the nerve to then start charging me. I request a full refund of my {$440.00}, removal of any overdraft fees and for them to close my account permanently!
Product: Debt collection

All debt buying company violation arbitration laws when buying this debt which my rights under arbitration violated because original company sold this debt to debt buying companies!
Product: Credit reporting or other personal consumer reports

Credit card had identity theft. They referred me to XXXX XXXX XXXX XXXX to work out. I paid a fee and XXXX just charged off and reported even though identity theft. 
The XXXX vendor assured me that would not happen at enrollment