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

On XX/XX/2024 I looked at my report. I sent the letter to Experian on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX, and here is my tracking number XXXX XX/XX/2024. They sent me the investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same According to 15 USC 1681I5. They are supposed to do this five treatments of inaccurate or unverifiable information ( A ) in general If, after any reinvestigation under paragraph one of any information disputed by a consumer and item of the information is found to be an inaccurate or incomplete, or can not be verified the consumer report shall ( i ) promptly delete the item of information from the file of the consumer or modify the item of information as appropriate based on the results of the reinvestigation, and ( iii ) promptly, notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681 eb they are supposed to insure this B accuracy of report whenever a consumer report agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 

And according to 15, USC 1681S 2 this is supposed to happen ( A ) reporting information with actual knowledge of errors. A person shall furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

Experian really did not open reinvestigation, they lied on an official document saying they did something they did not. I have the evidence to prove my case.
Product: Debt collection

Amsher collections states I owe {$1200.00} for XXXX XXXX. I have disputed XXXX XXXX claim before in XX/XX/XXXX but now a new one appeared on XXXX XXXX. I have no account with XXXX XXXX or Amsher collections. I have never had services from XXXX XXXX. I have lived in apartments the last 10 years none of which allow for XXXX .I disputed with XXXX company tried to say it was a accurate account. I called XXXX they only transferred me around and continually asked for my ssn. Was sent to the Spanish line twice, I do not speak Spanish. Never sent information about this debt only saw it on my credit report.
Product: Credit reporting or other personal consumer reports

I've requested numerous times to freeze my credit report online and by mail. But yet I'm met with stall tactics asking for my ID and social security number putting my personal information at risk. I'm requesting that all these Consumer to Freeze my personal file. I will not keep submitting information and being told nothing came in the mail. Under the provision of 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. These follow Consumer reporting agencies refuse to freeze my personal credit file. 
XXXX XXXX XXXX XXXX XXXX ( XXXX ) Corelogic XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$160.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1900.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$160.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX IN. XXXX ) XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX Balance {$400.00} XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I purchased my house in XX/XX/XXXX. It was an escrowed mortgage, and the bank should pay the premiums for my insurance. After XXXX  was hit with a very cold weather in XX/XX/XXXX, the pipes froze an broke, causing major damage to the house. I called the insurance to make a claim and found out the mortgage company failed to pay my premium and the insurance was cancelled. 4 years and thousands of dollars in materials and contractor fees I am still dealing with repairs caused by this and I don't have anymore resources to keep doing this as I realize this is why the mortgage company requires insurance and I should not be the one paying.
Product: Student loan

My loans were forgiven via XXXXXXXX XXXX XXXXXXXX and per the settlement agreement, I am owed a refund. I've submitted XXXX " comments '' on my XXXX XXXXXXXX that have gone unanswered. I've submitted XXXX " feedback '' cases on my portal. I did receive a couple of responses via email, telling me the refund request of {$XXXX} was submitted on XX/XX/year>. Today is XX/XX/year> and they can not give me any update on the status. I just want to know how to get my money from them.
Product: Checking or savings account

On XX/XX/XXXX, money was taken out of our business account fraudulently. Wells Fargo will not reimburse the money even though it was stolen money.
Product: Debt collection

For the last 10 or so years Midland financial has been attaching derogatory items to my credit report and each time I have disputed the derogatory item and the derogatory item has been removed each time because Midland could never validate the debt. I also sent them a certified letter asking them to validate the debt and send me a contract, etc with no reply. 

Fast forward to the present. I noticed that a little chunk of money was being deducted from my check. I initially assumed that it was due to me changing my health plan. Well, under further investigation I confirmed that it is a wage garnishment from Midland. It has to be a default judgement because I was not aware that there was a court date or a lawsuit against me. The suit is for {$2500.00} I currently do not have nay documents. I did not even receive notice from my employer. MI contacted my employer and they are going to send me whatever documentation they received.
Product: Mortgage

Wells Fargo has a post on my Wells Fargo account I have a mortgage with Wells Fargo. Wells Fargo has been notified multiple times. I did not sign a mortgage with them. The documents show my signature is not on the mortgage. I have an attorney, XXXX XXXX, XXXX. 
I want it immediately removed from my credit reporting XXXX agency and my Wells Fargo account. This is fraud. I am prepared to take this fraud to the media. This fraud needs to be removed immediately, to prevent further legal actions. 
I did not sign a mortgage with Wells Fargo for mortgage.
Product: Credit card or prepaid card

I have going through financial hardship and was unable to make my monthly American Express credit card payment. I contacted American Express and explained my situation. They told me they had programs available to assist with my certain situation but that I wasn't able to access those programs until I paid my account was current. I told them I didn't have enough money to get my account current and they still responded they could only help me if I was current. I reluctantly paid the minimum due, which meant I couldn't pay other bills that I owed, and then they said " Oh, I'm sorry, we don't have programs right now that can help you. '' Then, about one week later, they withdrew money from my bank account without my permission. I called them 3-4 times to get an explanation as to why and how they did this and they said they couldn't talk to me until my account was current. I again told them my financial situation and again they told me they couldn't help me unless my account was current. I wouldn't pay because, one, I didn't have any money to pay, and second, I wasn't going to let them do to me what they did to me the prior month. I want them to remove their finances charges and late fees and work with me to get this paid off. Now they have hired a collection agency to collect this money.
Product: Credit reporting or other personal consumer reports

Despite having paid my student loans in full, Transunion continues to report an outstanding balance on my credit report. This incorrect information has not only misrepresented my financial status but has also caused undue stress and potential harm to my creditworthiness. My primary goal is to ensure that the credit report accurately reflects the full payment of my student loans, while also maintaining the integrity of the payment history. This approach will prevent any negative impact on my credit score during the correction process.
Product: Vehicle loan or lease

Hello, this is a new and updated dispute regarding Westlake Financial Services. 

I have attempted to dispute this account through the CFPB several times in the last XXXX years and Westlake Financial Services is negligently marking my disputes as duplicates or changing the type of account to credit card or mortgage. 

THIS IS AN AUTO DEBT/AUTO LOAN nothing more. 

This is my last dispute before seeking litigation. 

I have taken the time to look over the original contract I received for this transaction along with documents that Westlake sent as validation over the last XXXX years and I am aware that the signatures on the original contract and the alleged validation contract is not the same. 

I also noticed information in the original contract that I was never disclosed of such as the GAP insurance, the truth in lending disclosure as well. I was never aware of the total purchase price of this vehicle and I know I entered into a fraudulent transaction. 

Not only was this transaction fraudulent but I also have phone record of Westlake Financial Services harassing me by skip tracing my number, calling multiple times, I even moved to a different state and changed my number because they were harassing me so much in the year of XXXX. 

I am requesting that WESTLAKE completely remove this account from all reporting agencies and from furnishing this information to any other sources. 

This is no longer a warning. I am also seeking damages due to Westlake tarnishing my reputation and ruining my life. I have not being able to extend credit due to them and I know longer trust the credit process. I have lost my job because of them harassing me at my job, as well.
Product: Debt collection

I do not owe any money to this account and they continue to try and call. they are threatening to send a debt to collations that I do not owe
Product: Vehicle loan or lease

To whom it may concern : This complaint is to notify you of the unfortunate events which took place with JP Morgan Chase and its auto financing division. On or about, XXXX, of 2017 my auto payment was recorded, 30 days late. Subsequently, XX/XX/2017 payment was recorded 60 days late. Without recollection of verified notice, my vehicle was repossessed. I immediately contacted chase to resolve the issue, which they were no help to assist in the matter, aside from collecting the 2 late payments, in addition, the 3rd payment ( XXXX ), which was not late. Additionally, fees were assessed. I was left with no choice but to make payment in full. At that time, my loan was 'reinstated '. 

My complaint is as follows : To my recollection, proper documents were not provided and verified for repossession. Chase did not seek to aide me in a solution which would result in a favorable term for both parties and conclude repossession. Financial hardship temporarily hindered my ability to make payment and was unaware of my rights as a consumer. Furthermore, Until recently, I was not aware of the CFPB ability to research such complaints. 

I would ask you to research this complaint and with your findings have the repossession deleted from all three reporting agencies and the late payments associated with this repossession.
Product: Debt collection

I walked into work this morning as " Ms. XXXX '' was on the phone with my boss, to try to do an " employment verification '' because I had not returned her calls. I had not returned her calls because she was supposed to send me proof of a debt that she was calling repeatedly about. " Ms. XXXX '' from XXXX XXXX XXXX XXXX called me at work and stated that I had an outstanding debt from XXXX  and offered to settle. She would not give me her first name, furthermore, I told her I needed proof of the debt as my identity had been stolen. I asked her to physically mail me proof and she said with the mail system it would be better to email me. I complied stupidly, however stated that she emailed me as well as her XXXX, but I was on the phone with her as I looked for the email and I told her it wasn't there or in my junk email. I searched by name and date. 

I told her then that I would be happy to discuss this further once I got proof of the debt and she became aggressive telling me the phone calls would not stop. She said the identity theft was between me and my attorney, and I told her he would be happy to speak with her. I then asked for her address and she would not give it to me. I told her to cease calling me at work and she said no that the calls will continue. I have found their address online and if I hear from " Ms. XXXX '' again I will be pursuing further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, Capital One Bank added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for this account. Capital One Bank did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. Although the collection was paid in full, a bill without a signature does not validate the debt and anybody can send a bill and say it is mines. According to FCRA, Capital One Bank has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address listed on my credit report which I have never lived at, and as far as I am aware does not exist in my town. The address is XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX MO XXXX I have contacted the credit Bureau Experian about this several times by letters and phone calls. the response I keep getting is that the address has been verified ( You can not verify an address as mine I have never lived at ) and they can not remove the address from my report because there is an account associated with that address. I asked the " dispute speacialist '' what is the account supposedly associated with that address and was told " they will send me a copy of my credit report and I can find out for myself ''. How can I have an account associated with a non existing address? Today over the phone I was told from the same " dispute speacialist '' that it doesnt matter what address is on my report the addresses do n't matter anyway. If addresses do n't matter to them then why wo n't they remove it? Because it does matter to me.
Product: Credit reporting or other personal consumer reports

I filed a dispute to have negative items on my credit report varified and removed on XX/XX/XXXX and no investigation was done and neither did I receive a response at all.
Product: Mortgage

This is my 3rd attempt ( through CFPB ) to get Select Portfolio Services , Inc. ( SPS ) to report our payment history to the 3 major Credit Reporting Agencies. 
After multiple interactions with SPS, they did admit that it is simply a policy to not report our credit history and not a LAW as originally claimed. 
Our current contract with the lender was signed post bankruptcy and is in itself a " re-affirmation '' of our willingness to honor the terms of our agreement with the lender. 
By refusing to report our credit history to the 3 major Credit Reporting Agencies SPS is in violation of Federal Law. Both in letter and in spirit : " 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 2 ) Duty to correct and update  information. A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. '' I expect immediate compliance with this Federal Law. 
. In the event you are unable or unwilling to comply with this instruction, I shall alternatively require of you evidence of your Registered Agent for the State of Washington as well as the policy number and name and address of the underwriter of your Bond. 
Failure to properly respond to such a simple request leaves me to seek remedy through the FTC and making claim against your bond for damages to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally request full debt validation for the account associated with my Discover card, in accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) and Section 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I am exercising my rights under these statutes to obtain complete and accurate information regarding the alleged debt. 
Account Details : Creditor Name : Discover Card Account Number : ending XXXX I kindly request that Discover Card Services provide the following information for full debt validation : 1 Verification of the account 's original agreement, including the contract or application that establishes my liability for the debt. 
2 Detailed accounting records showing the full breakdown of the debt, including the principal balance, interest, fees, and any other charges.

3 Copies of all statements, notices, or other written communications sent to me regarding this account from its inception to the present.

4 Proof of licensing and compliance with relevant state and federal regulations allowing Discover Card Services to collect debts.

5 Verification of the account 's ownership and chain of title, demonstrating that Discover Card Services has the legal right to collect the alleged debt. 
I remind Discover Card Services of its legal obligations under Section 609 ( a ) ( 1 ) ( A ) of the FCRA, which mandates that consumer reporting agencies must disclose complete and accurate information upon request. Furthermore, under Section 1692g of the FDCPA, debt collectors must provide validation of debts upon the consumer 's request. 
Please note that while this request does not imply an acknowledgment or acceptance of the debt 's validity, I expect Discover Card Services to provide the requested information within 30 days of receiving this letter. Failure to comply with these statutory requirements may result in a violation of the FCRA and the FDCPA, and I will take appropriate legal action to protect my rights. 
Kindly communicate with me in writing and send the requested information to the address mentioned above. I urge you to handle this matter with utmost efficiency and transparency to facilitate a swift resolution. 
Thank you for your prompt attention to this request. I look forward to receiving the requested debt validation within the specified timeframe. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agencies have not complied with the Fair Credit Reporting Act and have been continuing the reporting of the erroneous accounts despite the multiple letters and CFPB complaints requesting the correction of the accounts. I previously sent a dispute letter to the Credit Bureaus last XX/XX/2022, with complete attachments of my personal information. I have been trying to correct the disputed accounts for quite a long time already and yet the Credit Bureaus have been doing nothing! I am submitting this CFPB Complaint as a follow up to the previous CFPB complaint I submitted. Under the Fair Credit reporting Act, I am ordering the Credit Bureaus to remove investigate the disputed accounts and correct these accounts by removing the negativities completely : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX Balance Owed : {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these 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  XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request a full complete investigation regarding these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX along with the original contracts note or other instrument bearing my signature XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please have these item removed immediately from my credit report.I have each Credit bureau a XXXX letter