23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im announcing that I will be filing federal lawsuit against XXXX  XXXX XXXX  and XXXX XXXX XXXXYou are violating my federal consumer rights.You are violating Title 15 USC 1692gIm creating a paper trial for my federal lawsuit.Which I will be filling aganist XXXX XXXX XXXX.I will also file complaints with financial agency which licensed them to be a bank I asked for the original credit card agreement with terms and conditionsIm asking for statement history for the history of the account.I want all the statements for the history of the account.Since they dont want release it.I will file a lawsuit ask for legal discovery get a subpoena.Then subpoena documents and names of people.Who are handling the disputes to court.I will also subpoena the CEO of XXXX  XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX .So they can hear the caseXXXX XXXX and XXXX XXXX XXXX XXXX XXXXSo they can hear the cardsIm not joking Im going to get what I want and needYou cant do what you want to people
Product: Money transfer, virtual currency, or money service

I closed account due to customer service and was told my balance would be transferred to the funding source on account my other bank and I never received it all the money I have also i cant get a response no contact I would like for the money to be immediately transferred to my bank
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$44.00} XXXX XXXX  XXXX Balance : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on Shellpoint thru XXXX  in XX/XX/XXXX& XX/XX/XXXXas 3 months was missing stating I did not pay the monthly amount on a modification I had started with Shellpoint on XX/XX/XXXXwhich I PD on XX/XX/XXXX.but on XXXX  it states PD XX/XX/XXXX but references XX/XX/XXXXand was for XX/XX/XXXX {$2100.00} 2nd mod PD end of XX/XX/XXXX {$2100.00} for XX/XX/XXXX last payment for Modification was XX/XX/XXXX for XX/XX/XXXX for {$2100.00} those were the 3 modification payments Start in XX/XX/XXXX, - XX/XX/XXXXi disputed the dates & XX/XX/XXXX said no payment i am going to XXXX XXXX XXXX XXXXXXXX tomorrow to get payments sent to Shellpoint from XX/XX/XXXX-XX/XX/XXXX. Which will prove Shellpoint received the monthly payments. The Attorney Generals Office in XXXX reached Shellpoint & had my percentage rate reduced from 5.0 % to 3.375 % and my monthly payments were reduced to {$1900.00} per month. When I was emailed from XXXX  that my dispute was ready checked XXXX  put in No Payments for XX/XX/XXXXwhich also Reduced my mortgage Fico Score for mortgage from a XXXX and put down to a XXXX for Mortgage this should be made right I paid as I was suppose to in XX/XX/XXXXafter Fraud/Identity Theft!
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was leaked in the Equifax hack. Not only was it leaked in a bank that could be accessed in bulk ( Security was far too lax in this regard ) but the company steered me off after I found out that I was affected in their check by getting me to enroll in something that makes it so I ca n't be a part of the lawsuit ensuing. 

I get that the company is a victim as well, that is unfortunate, but it should own up to it 's mistakes. Not try and exacerbate the issues people have.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to you today to inform you I that I have been a victim of fraud and that the accounts reporting the Credit Bureaus reporting are fraudulent. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$820.00} XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$820.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the fraud, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in XXXX and XXXX from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Product: Mortgage

ClearPath Lending Licensing Information : NMLS : XXXX http : XX/XX/XXXXClearPath Lending, Inc. XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX I refinanced with this company in 2020 and then sold my house. Since that time XXXX XX/XX/2020 ) I have continued to receive annoying mailings which I have formally requested to be stopped. The company acknowledges stopping the mailings but they keep coming. 

I ADVISE EVERY VET TO AVOID CLEARPATH LENDING AT ALL COST. THEY WILL HARRASS YOU FOREVER.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX # XXXX is reporting lates in XX/XX/18, XX/XX/18 and XX/XX/18 that I should not owe. I had a XXXX XXXX which is why we went past due. I was advised to do a loan modification program which I did and I was told to go past due. I was told the lates would come off after we finished the Modification program. These lates are not my fault and they need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an authorized/fraudulent transaction. Pursuant to 15 USC 1681 a ( d ) ( 1 ) -the consumer needs to provide written permission or verbal consent to furnish this alleged debt, which you have neither A detailed investigation is being requested pursuant to the FCRA . The consumer is requesting the original contract and the detailed method for the investigation such as who completed the investigation to validate the alleged debt and when the investigation was completed.
Product: Credit reporting or other personal consumer reports

I have information appearing on my credit report that I need deleted/removed it is not accurate. My name is XXXX XXXX please remove any variations of my name. My current employer XXXX XXXX XXXX XXXX XXXX. The following addresses are not mine/inaccurate please delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These inquiries must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Hello, I have a car loan from Westlake Financial Services. My car was stolen and salvaged recently. Because my basic car insurance did not cover the incident, I expected my gap insurance policy to cover my loan. I have a GAP insurance policy with the company, which I paid {$390.00} for upon signing.

When I filed to use my gap insurance, I was told that the value of my car exceeds what I owe ( {$8500.00} ), even though my car is worth much less than that at its current state.

See language in the gap insurance policy : Actual Cash Value means on the Date of Loss : ( 1 ) the market value of the Vehicle as determined by the primary insurance carrier less any insurance carrier deductible in an amount no more than {$1000.00} ; or ( 2 ) if there is no primary insurance coverage at the time of the loss ( or if the insurer that issued the primary insurance is insolvent ), the market value of the Vehicle as defined in XXXX XXXX XXXX XXXX ( XXXX ) Official Used Car Guide. Creditor means Creditor as listed on page 1 of this Gap Waiver. Customer means the purchaser of the Vehicle, as listed on page 1 of this Gap Waiver.

When I asked for next steps on determining a value of the car, I did not receive any response from the bank representative. I have been calling Westlake financial day and night, but I can not reach their GAP claims department. I am put on hold for hours and then told to call at a different time. One customer service representative told me that they have not had contact with the GAP claims department for two weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I not to long ago checked my credit reports. All three reports showed there were several missed payments. This is incorrect and inaccurate. My XXXX XXXX Card has never been paid late. I have tried to get this issue resolved but have not been able to get any assistance from the representatives. No one has been able to explain to me how errors of this magnitude were able to placed on my reports. It seems they are not willing to help in any way. This issue has been very stressful and is causing me to not be able to get new credit. Not only that, but also preventing me from being able to get approved for a higher credit limit. I have been stagnated with a {$300.00} credit limit even though I have made all of my payments on time. Yet I receive several offers from XXXX XXXX for a Auto Loan of upwards of {$5000.00}. This is an error on the part of XXXX XXXX or the Credit Reporting Bureaus. I would like this issue to be resolved and deleted from my reports. So that I can continue on with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Charge 's on my credit which has been breached Navient student loans over charge and wrong charge 's due to school closing.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year> first charged off ) since then the account has been repeatedly updated as charged off every month with {$0.00} amount own. This is an updated payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights.
Product: Debt collection

I have no knowledge of the following items listed on my report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Please delete these items immediately. These accounts shouldn't be furnished on my consumer report as they are in violation. Under 15 U.S Code 1681b - permissible purposes of consumer reports ( A ) in general subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer I am demanding the deletion of the accounts listed immediately as I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

My identity has been compromised due to a data breach and that I am seeking removal of these affected accounts from my credit report. I have files a FTC report and also have contacted the credit bureaus. The results of this false credit reporting has caused significant damage to my credit report and has affected my personal life in many ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent dispute letters to XXXX, XXXX, and TransUnion disputing an inaccurate information regarding a bankruptcy on my consumer report. XXXX, XXXX, and TransUnion have neglected to report that bankruptcy that is on my consumer report has been disputed. That is a violation of 15 USC 1692e ( 8 ). It must be reported that an account or an entry on a consumer report be marked disputed when a consumer has disputed it. Failure to do so can result in litigation or arbitration. I have previously disputed this entry as inaccurate on my consumer report. Since this account/entry has been disputed XXXX, XXXX, and TransUnion have failed to comply with the requirements of 15 USC 1692e ( 8 ). 
Also, XXXX, XXXX and TransUnion have no permissible purpose to share bankruptcy information in its entirety with my name, social security number and other identifiers. That is a violation of 15 USC 1681 ( b ). I have never given my written consent or permission to furnish information not given to them by me or the United States Bankruptcy court ( please see attachment ). I completely intend to file suit in small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had cable T V service with XXXX XXXX XXXX years XXXX XXXX. I was issued 1 cable box and 1 remote. 
In XXXX I terminated my service and physically returned all equiptment to an in-person location. And paid my final bill which I believe was {$120.00}. 
I never resumed any service nor receive any bills until XXXX. 
In XXXX I received a bill I believe from XXXX XXXX demanding XXXX. Although I did not owe money, I paid, in hopes of avoiding this current situation. 
In XX/XX/XXXX I received a bill from Southwest Credit Systems demanding {$1100.00} on behalf of XXXX XXXX XXXX. 
XXXX XXXX went out of business in XXXX, 9 years ago and now operates as XXXX. I called a representative to explain and request a resolution. She could not verify specific details about the account she said because the account was so old and XXXX XXXX did not release clear verifiable records when XXXX took over. 
In the interim this account was also transferred as a collection through XXXX XXXX XXXX which I was able to get dismissed. 
XXXX XXXX XXXX is selling accounts to collection agencies with zero regard to how this adversely affects prior customers. 
Recap of facts : 1. I had XXXX XXXX XXXX XXXX 2. XXXX paid in full returned all equiptment and never heard from them 3. XXXX XXXX  purchases XXXX Cable 4.In XX/XX/XXXXTEN years after I terminated my service, I get a bill for XXXX which I pay, simply to avoid damage to my payment record.When I spoke to the XXXX representative she acknowledged payment. 
5.XXXX XXXX 13 years after my final service I get a bill for {$1100.00} This is extortion. I do not owe money and additionally. I had service 13 years ago. XXXX XXXX XXXX can not exhort money from me for an account they could not verify and is 13 years old. 
Please help me. I called Southwest credit and they are demanding {$1100.00}. 
XXXX  says it's they can not verify the records because they do not have full information and the account has been sold. This has been reported to XXXX  as well. XXXX  removed the charge when the account was sold to XXXX XXXX XXXX. 
The statute for negative reporting is 7 years. This is a 13 year old account, which is being sold and resold to various agencies, this can not be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have disputed information on my credit report with Equifax which is fraudulent and related to this identity theft. I am filing this complaint because Equifax has refused to block or remove information related to this identity theft from my credit report. After disputing the fraudulent information on XX/XX/XXXX and on XX/XX/XXXX as well as submitting copies to Equifax of the police report that was filed, my FTC Identity Theft report, and my personally identifying documents Equifax refused to block or remove XXXX hard inquiries on my credit report from XXXX XXXX  which were made on XX/XX/XXXX and XX/XX/XXXX. These inquiries were made as a result of fraudulent credit card applications which I did not apply for. By refusing to block these fraudulent inquiries from my credit report Equifax is violating Section 605B of the Fair Credit Reporting Act as I have requested the inquiries be blocked or removed and provided Equifax with all the required information to block these inquiries.
Product: Mortgage

I applied in XX/XX/2021 to refinance my mortgage with Wells Fargo who currently service my loan. I applied for a 15 year term from 30 years currently and a lower interest rate. Currently it's 4.375 % and I was quoted 2.375 %. No cash out. My home is a low income housing unit in which requires certain criteria to be met in order to refinance. I have met all criteria and am qualified. Wells Fargo is on the list of qualified lenders for low income housing however they have no idea how to close this loan. Its been 6 months and I've called every 3 days or so and have been working with the mortgage processor and still every time I call I get a different excuse. I feel that they are discriminating because its a low income housing unit and I've complained to all departments, supervisors including the XXXX XXXX XXXX. Wells Fargo continues to tell me that they are working on my loan in which I've qualified for and every document needed I have submitted. It's been 6 months going on 7 of nightmare dealing with this bank. Please help.
Product: Credit reporting or other personal consumer reports

I sent an affidavit certified mail to XXXX, XXXX and Equifax to remove missing payments from my credit report and they have not responded. Accounts have been inaccurately and illegally reported as having late payments, in violation of 15 U.S.C. 1666b :
Product: Debt collection

I have a collection account listed on my credit report ( all XXXX - XXXX, XXXX, and XXXX ) - reported by Account Resolution Services on behalf of a medical debt not specified.
From a search conducted on Texas 's treasury site, Account Resolution Services is not licensed to collect in the state of Texas there fore I am disputing this collection account. Please have the collector verify their bond number to collect debts in Texas as the screenshot I have attached, do not match the contact details listed on my credit report for Account Resolution Services.
If indeed, they are licensed why are they collecting under a DBA or different name not listed on the license/bond with the state?
Account Resolution Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I am writing to express my extreme frustration and annoyance regarding the persistent inclusion of a fraudulent account on my credit report. I have already disputed this account with another credit bureau, and they promptly rectified the error. However, despite their acknowledgment and correction, your bureau continues to report this fraudulent account, causing unnecessary distress and inconvenience XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
It has come to my attention that your bureau is still reporting a fraudulent account that has been previously disputed and rectified by another credit reporting agency. I find it incredulous that, despite providing evidence of the fraudulent nature of this account, it persists on my credit report, tarnishing my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card balance is incorrect balance should be updated to XXXX XXXX XXXX credit card balance is incorrect balance should be updated to XXXX
Product: Credit card

On XX/XX/2016 my balance was incorrect. My online account show the following : Last Statement Balance : {$910.00} Recent Transactions : {$130.00} Recent Payments and Credits : - {$40.00} Current Balance : {$1000.00} That math can not be correct and Discover needs to credit my account {$21.00}. 
Thanks