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

I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

TD/XXXX ( paid in full ) charge off, I have never had a XXXX card and refuse to shop there! Complete and utter fraud. Along with XXXX XXXX which is from XXXX XXXX XXXX? I have only ever had service through XXXX ( XXXX XXXX XXXX XXXX ), I do not nor have I ever had XXXX XXXX XXXX and want this removed immediately.
Product: Vehicle loan or lease

Calll was totaled out and checks was received by Westlake. Attaching transaction below : Transaction History Type Amount. Balance Payment XX/XX/year> {$280.00}. {$0.00} PaymentXXXX {$1000.00} {$0.00} Payment XX/XX/year> {$7300.00} {$990.00} Payment XX/XX/year> {$290.00} {$8300.00} Payment XX/XX/year> {$290.00} Payment XX/XX/year> {$280.00} Loan had been paid in full, automatic voice recordings even state it. Employees of Westlake has went over the transactions, just was on phone with gap insurance for 50mins ( have recording him saying that there is a communication error between gap insurance and west lake loan even though I pay Westlake for the gap insurance. Westlakes computer system is not recognizing that loan had been paid in full and was even over paid. Ive been told by 3 Westlake employees different things its all on recording.

Ive reached out to this company multiple times multiple times There is an error in this loan payoff and I should not be held responsible. This should not affect my credit. Trying to get this loan resolved and paid as Ive down paid all the remaining balances and they was even over paid XXXX.
Product: Credit reporting or other personal consumer reports

Upon checking my report I see accounts i do not recognize XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization. 
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. 
This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. Pro Collect is continues to violate my privacy and continues harassment with threats and consistent phone calls.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of INQUIRIES XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I fully paid my account I owed and then request to close my account because I got my identity stolen. They request police report which I gave them it and they accept it for a charge I didnt make. Then I started seeing all these phone payments I never made which I told them that ever since I open that account I have always paid through the app web payments never phone payments I asked them what were they charging me of XXXX for and they said for reverse phone payments I explain that it wasnt me who has been doing them and they were going to take it to dispute I received a letter saying I was still liable for those payments even though it wasnt me now they are adding interest which it has made it to XXXX now this has been going on for 9 months and they cant fix the issue.
Product: Mortgage

My mortgage was serviced by XXXX XXXX. In XXXX of XXXX, as I qualified to have my private mortgage insurance removed, I requested its removal. After several attempts to have my request reviewed an appraiser selected by XXXX  was sent to my property. The appraised value and the substantial improvements I had made would have allowed the pmi to be removed. The improvements are noted in the appraisal. I received a letter stating that XXXX   XXXX  was transferring the servicing of my account to Citizens One Home Loans. I then received another letter from XXXX which miscalculated the "current value" as expressed on the appraisal and substituted my initial loan amount. In a call to XXXX, they stated that Citizen One would have all of the information and that I should continue my efforts with Citizen One. Citizen One then stated that the file was being transferred and to give it some time to have it transferred. I called again. I did allow the matter to drop for sometime, as I run a small business. I called Citizen One several months later and they told me there was no information regarding my request. In XXXX of XXXX, I mailed a letter requesting my pmi be removed. I received no response. In early XXXX, I wrote a letter stating that I would complain if this was not handled. I received a letter basically starting all over and Citizens claiming that they had no information regarding the previous request. Citizens requested an additional $XXXX for a broker price opinion of my property value. I sent them the appraisal that was ordered by XXXX, and asked why should I have to pay for an additional valuation when I qualified to begin with. In a letter from Citizens One dated XXXX  XXXX, "we have conducted an investigation and concluded that no error(s) occurred." They also sent a letter stating the minimum current value must be greater than $436,677.88. The appraisal was for $XXXX!!! I have qualified, I am qualified, yet I pay my pmi each month. (I have added dates and additional info in the history attached.)
Product: Debt collection

I had a Capital One Secured XXXX. The XXXX was opened XX/XX/XXXX. I put down a {$150.00} XXXX XXXX towards the secured card. As of XX/XX/XXXX I was 120 days late and owed {$160.00} by XX/XX/XXXX. Without any notice Capital One applied my security deposit towards the balance of my account XX/XX/XXXX On XXXX I logged into my online account and made the required minimum payment due of {$160.00}. Capital One did not tell me my account was closed or that the security deposit was applied to the balance. As of XX/XX/XXXX the balance was XXXX. Capital One sold this account to XXXX XXXX XXXX. I have disputed this debt with Capital One, XXXX, and all three credit reporting agencies. They all respond that the debt has been verified pursuant to FCRA and is correctly reporting. My credit report incorrectly states the balance on this account is XXXX when it was XXXX. This account was closed by Capital One and Not at my request and while the account had been brought into good standing. They are incorrectly reporting that in XX/XX/XXXX I was 150 days late when in XX/XX/XXXX I made the minimum payment due of XXXX on XXXX five days before the due date of XXXX. The Account was charged off in XX/XX/XXXX despite the fact the account was brought current in XX/XX/XXXX. Capital One XXXX refuse to correct any of these egregious errors. All XXXX credit reporting agencies also have the proof of this account status and refuse to correct the account.
Product: Credit reporting or other personal consumer reports

This is a formal dispute of information and reporting. I formally exercise my rights as a consumer to request that you only report True, Factual, Correct and Current, & verified information and I request that any deficiently reporting information be released and dismissed at once. I DEMAND In this lawful request I DEMAND that you initiate a complete investigation of the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid, or not. 
I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as above-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO XXXX  FORMAT compliance since, per XXXX, XXXX  XXXX Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated!

Please delete the follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I used this money to pay my over due phone bill {$600.00} because my phone got turned off and I had nowhere to turn. I want to report this company as an unfair lender because they have hidden their interest payments when signing paperwork that I am only paying {$25.00} towards the loan and they are taking the rest as interest. My payoff is more then I got the loan for even after making XXXX months of payments and I will do everything I can to show people of their shady lending business
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the fourth complaint against my bank on a VA loan, mortgage which payments started being made  XXXX XXXX. This is my fourth complaint against XXXX/Nationstar in failing to report all of my mortgage payments that I have made to them. In which, I have copies of all cashed checks, payments being made on my VA mortgage loan. Once again, I have gotten no resolution regarding errors that need to be fixed by my mortgage loan holder, XXXX/Nationstar. Each time I am directed to someone in their home office, I am told they are only going by the file that is sent to them. A bull's-eye report, in which, they believe the information being submitted to the credit bureaus is correct. As you can see, from XXXX XXXX latest facts and findings. XXXX/Nationstar, once again, is not reporting my payments being made as I have since XXXX XXXX. I have been brushed off, not taken seriously and continuing to not see my payments, ALL payments that have been made on my VA mortgage loan submitted to the appropriate credit bureaus. Each time, I call XXXX/Nationstar, they tell me what they see on their end is all payments being submitted to the credit bureaus, even during the forbearance plan, in a timely manner. However, I have made over several calls to all three credit bureaus. In which, as you can see, XXXX/Nationstar is not reporting nor showing all of my payments that have been made on my VA mortgage loan. I will continue filing complaints, even going in another legal direction, until this issue is resolved.
Product: Debt collection

To whom it may concern, WAKEFIELD & ASSOCIATES This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt.

Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX  and XXXX XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following :
Product: Mortgage

We have had a TD HELOC with a XXXX year draw period and a XXXX year renewal. ( This 5 year renewal product is no longer offered by TD ). As we approached the renewal ( XXXX XXXX, XXXX ), TD sent us a letter informing the we needed to submit last XXXX years income verification. My husband is XXXX employed and his XXXX tax returns were not yet available. 
We called several times to discuss requirements. With each call, there was no record of our previous call. On XXXX XXXX, we received final notification indicating that all paperwork needed to be filed by XXXX XXXX, XXXX ( 3 Business Days ). Due to holidays, we missed the deadline and were told that the exception could NOT be made. This experience was surprising due to the Office of the Comptroller of Currency ( OCC ) guidelines on Home Equity Lines of Credit Nearing their End-Of-Draw period : Contacting borrowers through outreach programs. Management should begin reaching out to borrowers well before their scheduled end-of-draw dates to establish contact, engage in periodic follow-up with borrowers, and respond effectively to issues. 
After speaking with several people in the TD Branch network ( XXXX XXXX ), we were told that an exception was possible. ( XXXX indicating that she had difficult time contacting Loan Servicing too ... would not answer phone ). 
Last week, we faxed my ( XXXX XXXX ) XXXX years worth of XXXX and XXXX XXXX tax returns. The fax cover letter indicated that XXXX XXXX tax returns would follow. 
XXXX we receive a letter from TD, indicating we were denied due to insufficientincome verification. XXXX again, pushing us into a repayment phase. 
We have an excellent credit score and significant net worth so if we could find someone to help us, there is no reason for us to renew our draw period for the additional 5 years that are outlined in our note. 
We have now applied with our local credit union and anticipate approval shortly ; however, our preference would be to continue with TD for the additional XXXX years.
Product: Checking or savings account

Someone texted claiming to be my XXXX XXXX XXXX  fraud alert and then called me and said they would help me to reactivate or protect my account. I didnt provide any information but they accessed my other bank account attached to XXXX and stole {$900.00} and sent it to themselves.
Product: Mortgage

On XX/XX/2019 An application for a Pre-approval was submitted with C2 Financial with the loan officer XXXX XXXX. We communicated with our loan officer of prior bankruptcy 's and the need to pull credit upfront to ensure the pre-approval we received was accurate. We also provided tax returns and bank statements to verify income. I requested a copy of my credit report and was emailed over another customers full credit report compromising their information. ( Not sure if they were ever told ) A pre-approval was issued to us on XX/XX/2019. We went out shopping for a house with the prequal and went under contract on XX/XX/2019. On XX/XX/2019 I got a call from XXXX  ( Manager to XXXX  ) letting me know that we did not qualify for the loan they had us placed in due to the time frame in which the bankruptcy was discharged,. This is easily found on the credit report. This make the amount in which we offered to but the house to be more than the loan we could get. I gave no orders to XXXX  on what our plan of action would be and told him we would be looking at what could be done, like coming up with the additional fund cash. On XX/XX/2019 XXXX took it upon himself to tell the selling agent for the house we are under contract on that we were not moving forward with purchasing the house. This almost put us in breach of our contract loosing the house of our dreams. We have sence hired a new lender to complete our loan.
Product: Checking or savings account

Without cause or explanation Chase Bank closed all personal deposit accounts, after 20 years as a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was set up on ACH with XXXX XXXX XXXX and had no issues until the last payment. They did not auto draft the last payment and I was not aware of this until I saw the mark on my credit report. I contacted the company and they said it was there policy to do this with every account. I should of been contacted by them by phone, email or even mail. They said they sent a letter stating this to an old address. They should realize that I am an upstanding customer after 60 months of payments with never being late once. They are refusing to take any blame in this and will not submit a reversal of the late mark with credit companies. I was told by the customer service that they would but then received a letter later stating that they would not. I have called back multiple times and spoke with a manager named XXXX XXXX with was extremely rude and not willing to help at all.
Product: Mortgage

I reviewed your latest statement to CFPB ( case no. XXXX on XXXX XXXX, XXXX. ) I recalculated the figures using your statements on XXXX XXXX, XXXX and may have misunderstood my previous calculations ; however, I still determined CitiBank overcharged me {$6.00} and unfairly charged {$15.00} for a payoff by wire fee after escrow closed, which they can not do. 

If you will, please review the {$21.00} of overcharges described above. I believe that is extent of the overcharges now by CitiBank which should be refunded back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account XXXX times and have sent in all my information to verify it is myself making the request. I have requested for a full file disclosure and have no received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand a Line By Line ReInvestigation of the accounts listed below because with the obvious errors on these accounts, a Proper Investigation could not have been conducted In Accordance With ( XXXX ) the Fair Credit Reporting Act. Now is not the time for Updates or Verifications because you've already done that, and my accounts are Still Inaccurate. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Incorrect Inquiry : XXXX XXXX XXXX XXXX XXXX. Incorrect Accounts : XXXX Account # xxxxxxxxx XXXX, XXXX XXXX Account # xxxxxxxxx XXXX, XXXX XXXX  Account # xxxxxxxxx XXXX, XXXX XXXX Account XXXX xxxxxxxxxxxx XXXX, XXXX BANK Account # xxxxxxxxxxxx XXXX, XXXX XXXX  Account # xxxxxxxxxxxx XXXX, XXXX XXXX Account # xxxxxxxxxxxx XXXX, XXXX XXXX Account # xxxxxxx XXXX, XXXX XXXX Account # XXXX XXXX, XXXX - XXXX XXXX Account # xxxxxxxxxx XXXX. My rights have been violated in several ways, and yet there has been no resolution. 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. I never gave written instructions. 15 U.S.C. Code 1692b States that any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to so by such person ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol or any envelope or in the contents of any communications effected by the mails or telegram that You should not be reporting Inaccurate information on my credit reports because it is a violation of my federally protected rights. U.S.C. 1681a-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. This information is Not accurate.
Product: Debt collection

I GOT A COLLECTON NOTICE FROM NORTH STAR LOCATION SERVICES LLC BUT I DO NOT OWE THEM MONEY AND I ALREADY TOLD THE MAN ON THE PHONE TO STOP CALLING MY CELL PHONE AND HE KEEPS CALLING, I WILL SUE XXXX, XXXX, XXXX, AND NORTHSTAR AND XXXX XXXX XXXX, I ASK FOR THIS COMPANY TO STOP CALLING I DO NOT OWE THEM ANYTHING,
Product: Credit reporting or other personal consumer reports

I looked at my XXXX, Experian and XXXX credit report on XX/XX/2024 and notice some things that are incomplete and not accurate. First thing first the account in question is with XXXX XXXX XXXX  the account number on XXXX is XXXX, the account number on Experian is XXXX and XXXX is XXXX. As you can see the account numbers are not the same on all three of the credit reports. Another inaccuracy on this XXXX XXXX XXXX notice is the fact that the credit limit on XXXX is XXXX but the credit limit on Experian and XXXX is {$500.00} dollars. This does not match up on all three reports .Another inaccuracy is the fact that the date of last activity for the XXXX XXXX XXXX account does not match up on all three accounts. The date of last activity on XXXX is XX/XX/2024, on Experian is XX/XX/2024 and on XXXX its XX/XX/2024. All three dont match another violation. according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 [ e ] [ b ]. And according to 15 USC 1681i5 they are suppose to do this [ 5 ] Treatment of inaccurate or unverifiable information [ A ] in general, after any reinvestigation under paragraph [ 1 ] of any information disputed.