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

On XXXX XXXX XXXX, I submitted a complaint to the CFPB regarding the persistent refusal of Clarity Services to provide me with the sources of information found upon my consumer report and within my consumer file. I have filed numerous complaints regarding this issue and even spoke with the compliance XXXX after filing a complaint on XXXX XXXX XXXX The Fair Credit Reporting Act clearly mandates that a credit reporting agency MUST disclose the sources of information upon request by the consumer. I complied with the FCRA when requesting this information timely, provided written notice to the address specified by the business entity, and provided supporting and authenticating documents. I have spent in excess of {$500.00}, not including lost wages and lost wage-earning opportunities. The specific items of information which is the subject of this dispute and complaint are items of information stemming from acts of identity theft. See CFPB complaints XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/, my final loan payment in the amount of {$88.00} was paid in full and on time as requested by Westlake Portfolio Management. I did not receive any correspondence after the final payment was made. 
In XX/XX/, I received a notification from XXXX XXXX, that my Westlake Portfolio Account was 90 days past due with a balance of {$4.00}. I immediately contacted Westlake Portfolio Management and advised that per their billing system, my final payment was {$88.00} and that I had already paid that balance, the customer service rep disagreed with me and advised that I owed an additional {$4.00}. I then demanded a detailed payment history, which was emailed to me on XX/XX/ XXXX XXXX from Westlake Portfolio Management. The payment history also states that my balance is {$0.00}. 
As of today, Westlake Portfolio Management is now incorrectly reflecting as a charge-off, with a past due balance of {$1400.00}, on my XXXX, XXXX, and XXXX reports. XXXX and XXXX are also reflecting an incorrect payment history ; XX/XX/ reflects as paid on time, then XX/XX/ is reflecting 90 days past due. According to all information listed above, my consumer rights were violated. After several unsuccessful disputes with the credit reporting agencies, I am asking that Westlake Portfolio Management, XXXX, XXXX, and XXXX, be investigated.
Product: Credit reporting or other personal consumer reports

Applied for a mortgage thru XXXX. We understood they offered mortgage programs for XXXX XXXXXXXX, Indigenous applicants. Upon review of my application, XXXX, at XXXX pre-purchase counseling, had said : " XXXX XXXX XXXX ( 52 minutes ago ) to XXXX XXXX me Hello XXXX XXXX Looking at the information you provided I can see that our program for lending is not aligned with what you are looking for. I added a resource link below it provides information on other programs that you might qualify for. 
https : XXXX Best wishes, XXXX XXXX '' To which I responded : " XXXX, please provide the criteria for which you made this determination. If you do not, i will forward this entire conversation to the FTC. 
Thank you. '' Please explain to the CFPB the details of this decision, and why the link to XXXX? What is the specific " help '' suggested by providing a link to XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal dispute regarding the inaccurate information on my Equifax credit report. Despite my previous contact with Equifax on XX/XX/XXXX, they have not responded to my concerns. I kindly request your assistance in addressing the following inaccuracies : XXXX XXXX XXXX XXXX  Account Date Opened : XX/XX/XXXX Balance : {$2000.00} The XXXX XXXX XXXX XXXXXXXX account listed on my Equifax credit report requires verification as your reporting of this information is incorrect. The reported balance of {$2000.00} by Equifax is inaccurate, and I believe it should be a lower amount. Furthermore, the Past Due amount should not be presented for this closed and charged-off account. I request Equifax to mark this account as disputed while I work towards resolving my dispute with the creditor. Additionally, I require Equifax to verify the Date Opened, Date of Status, and First Reported for this account. 

XXXX Account Date Opened : XX/XX/XXXX Balance : {$110.00} The XXXX account listed on my Equifax credit report needs to be examined due to incorrect reporting. The reported balance of {$110.00} by Equifax appears to be higher than the balance I remember. Since this account is listed as closed, the Past Due amount should not be provided. I believe it would be beneficial to address this misleading data directly with the creditor. I am determined to take immediate action, but I request Equifax to report this account as disputed while I attempt to find a resolution. 

Inaccurate Evidence on XXXX XXXX XXXX XXXX  Account Date Opened : XX/XX/XXXX Balance : {$2000.00} The inaccurate information provided by Equifax regarding the XXXX XXXX XXXX XXXXXXXX account is causing significant prejudice to my credit reputation. The reported balance of {$2000.00} does not correspond to the lower amount I remember. I request Equifax to revise the Past Due information as it is not accurate to present a Past Due amount for a closed account that was charged-off. This account 's inaccurate reporting has likely negatively impacted my credit score. Consequently, I need to reach an agreement with my creditor regarding the incorrect data. I request Equifax to mark this account as disputed to prevent further negative impact on my credit score. 

XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} The XXXX account listed on my Equifax credit report inaccurately shows a late payment. I request Equifax to remove the late payment notation as this account was never late. 

XXXX XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} The XXXX XXXX account listed on my Equifax credit report requires correction/update as the information provided is inaccurate. I kindly request Equifax to rectify this incorrect information. 

XXXX XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$14000.00} The XXXX XXXX account listed on my Equifax credit report inaccurately shows a late payment. I request Equifax to remove the late payment notation as this account was never late.
Product: Mortgage

I have had a couple mortgages with Wells Fargo in the past and got tired of them playing games. In the last closing I was told in advance what the costs would be and at closing the numbers were significantly different and I objected. I eventually switched from Wells Fargo Mortgages. I still have checking and savings with them as do family members.
Product: Credit card or prepaid card

Dispute : XX/XX/XXXX, XXXX {$640.00} and XX/XX/XXXX, XXXX {$590.00} I am writing to request for Sallie Mae to stop reporting the balance of {$1200.00} and any associated interest charges, and late fees that Sallie Mae continues adding and reporting to the consumer agencies immediately. Sallie Mae stated that they are not able to verify my claim regarding my dog 's burn injuries and, therefore, are unable to initiate a chargeback. Sallie Mae also stated that I must provide the decision from the XXXX  XXXX XXXX XXXX to confirm my claims. Please find attached a letter of Reprimand for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX received today. The members of the XXXX found that the veterinarian in question had violated N.C. Veterinary Practice Act and Board Rules, the Board agreed that the injuries my dog sustained are burn injuries and these injuries were caused by merchant negligence. A civil monetary penalty was also imposed. This letter will also be a public record and will be available to view on https : XXXX XXXX 
I am asking immediately to stop reporting the balance of {$1200.00} to the consumer agencies and adjust the balance accordingly. Sallie Mae was also adding interest charges and excessive late fees. Instead of a {$25.00} late fee, they started to add a {$39.00} late fee and added interest charges on 15 months with 0 % APR as per the agreement. 
Sallie Mae 's incorrect reporting caused significant damage to my credit score. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) Sallie Mae is liable for these damages for negligent and willful noncompliance with the law by reporting incorrect balance.

Sallie Mae also started to harass me even after I emailed them cease and desist email and asked twice not to call me on the recorded line. The complaint about harassment with relevant documents will be filed separately. 
Attachments : Sallie Mae 's statement for XXXX, XXXX, and XXXX shows late fees, interest fees, and the charges for {$590.00} and {$640.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/2022 Invoice from merchant dated XX/XX/2022 for the amount of {$640.00} and invoice for XX/XX/XXXX XXXX for the amount of {$590.00} As the merchant did not provide services as agreed and Sallie Mae failed properly to investigate my dispute, I am not responsible for these charges.
Product: Credit reporting or other personal consumer reports

These unfamiliar inquiries on my credit report are really concerning. I didn't authorize nor consent to these companies accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.
Product: Credit card or prepaid card

XX/XX/XXXX amount XXXX. I went on line to book a room for my nephew, Web site for XXXX XXXX, XXXX FL. Clicked on button to book room, was suppose to be XXXX plus XXXX tax. Printed confirmation and amount showed total of XXXX. I immediately called number on confirmation XXXX XXXX XXXX XXXX which belonged to XXXX The person that answered the phone told me I could not cancel this reservation even though it says on confirmation free cancellation and I just booked 15 minutes ago. Basically they told me they already had the money and I was out of luck. I called XXXX XXXX and told the owner what was going on he said that he could not cancel because it was booked by XXXX. so now we have 2 players that say they booked one room. Then an additional XXXX service charge.This was a scam not sure if XXXX XXXX is involved or not. Did not use their room and did tell XXXX XXXX he would not be staying there. Not sure what their game is to double charge a reservation fee which I booked myself. It looks like reservation.com got ahold of booking.com and booked the room. I have been trying to get someone at Comenity Bank to help with this issue. They are rude, leave you on hold for XXXX hours and tell you they can't help. I still to this date have not had a letter stating they have declined or approved the charged. I have XXXX letters I have mailed and they always say did not receive. What is going on, is this a real bank. Their system is still down. Now they are putting on XXXX late charge and intreast. Stil have not received a letter telling me their decision. Please help. I read the reviews from Comenity Bank and it is not good!!!
Product: Debt collection

this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and PROFESSIONAL DEBT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I sent a complaint regarding items on my credit that are not mine. I went to try and get a home loan and was denied. I looked at my credit again and there are items on my credit that are still not mine. I've contacted the FTC and filed with the police. I'm doing this on my own behalf. Please remove XXXX XXXX XXXX, Dpt of ed/XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Student loan

As of XXXX/XXXX/2016 all of my students loans were paid off at Sallie Mae. Currently, I have an overpayment balance of {$1300.00} that Sallie Mae owes me. They do NOT provide an email service to answer questions ... Every time I call I can either not get a person ( only automated ) or I ca n't get through ( put on hold for around 30 minutes twice already ). My interest rate was also sickening on all loans. This company should be shut down for the way they treat people trying to make a better life for themselves.
Product: Checking or savings account

On XX/XX/2022 I went to XXXX store to pay my account to XXXX XXXX There were problems with the register that was unable to process payment, but I had already signed for electronic processing, they moved to another register gave me a receipt after I was asked to sign again, but told me to leave the check in case it didn't go through, which I did. A few days later I was checking my balances om my account and noticed same amount payment twice. I called my bank and they confirmed it was duplicated. I called customer service and was told they would revert it. XXXX only received one payment and it was reverted and they were charging late fees. I made claims to XXXX my bank, Banco Popular and tried making to XXXX who acted very strange. I finally spoke to the legal department of my bank and they said they reverted and deposited on my account only XXXX! There's more
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$4400.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$16000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Bank account or service

I am a XXXX who needs access to a statements from a closed joint checking account held with Bank of America. EVEN WITH the " letter XXXX '' given bank of america on XXXX XXXX, 2014, they refuse access XXXX. The bank contends they do n't have the document even though it was used to close the joint checking account and open a " guardianship '' checking account. They are requesting documentation again to review and see if they can grant access XXXX for his closed joint checking account which will be thru XXXXXXXX, I am asking for immediate electronic access to the closed joint checking account in preparation for interrogatories and his pending divorce. XXXX Hence, the reason for a court appointed XXXXguardian.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My husband and I applied for a home loan with a company called Key Mortgage. 

On XX/XX/2023, XXXX of the employees of XXXX Mortgage named XXXX XXXX sent a denial letter for the loan with attachment of both my husband and my credit report. She sent this, without my husband or my consent to the real estate attorney, who in turn canceled the purchase contract of the home we were suppose to buy without our consent. We had other options to purchase the home but as a result of her negligent actions as well as the attorney, we lost the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that the Credit Bureaus did not just ignored my request for the removal of the disputed items but has continued reporting the disputed items as verified and correct! This is a clear violation of my rights as a consumer! Under the Fair Credit reporting Act section 605b, the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. However, in my situation, the Credit Bureaus have been ignoring their responsibilities with the Fair Credit Reporting and have claimed that the disputed items are verified without sending me copies of proof of verification. Also, the Credit Bureaus are claiming to have sent me an updated copy of my Credit Report but I tell you, I have received nothing! I am submitting this CFPB Complaint to you today to complain about the Credit Bureaus willful non-compliance with the Federal Statute. With accordance with the Fair Credit Reporting Act section 605b, I am ordering the Credit Reporting Agencies to immediately remove the following fraudulent accounts and information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The XXXX XXXX XXXX XXXX accounts listed in the FTC report that Im attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that XXXX XXXX XXXX XXXX  provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents.
Product: Debt collection

I am writing to dispute certain information on my credit report related to the account with the following details : XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$73000.00} XXXX. XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$700000.00} I want to bring to your attention that the inaccurate reporting stems from the bank 's inability to send me the proper statements. I have communicated this issue with the bank, and they have acknowledged the problem and agreed to correct it. I am requesting that the status of this account be updated to reflect one of the following : " Open/Never Late '' if the account is still active and has never been late.

" Closed/Paid as Agreed '' if the account has been paid in full and was always paid on time. I believe that the current reporting does not accurately reflect my credit history with this creditor.

As per our records and the acknowledgment from the bank, there should be no late payments associated with this account.
Product: Consumer Loan

An employee with Gold Star Finance by the name of XXXX XXXX has repeatedly came to my home. When I am not home she has gone to my neighbors home and asked them what time I am home and what time I usually leave. She calls me constantly and leaves messages saying my account will be having further action taken on it if I do not contact her. I work very odd hours and sometimes I am home when she has come but asleep. When I am awake the office is closed so I am unable to contact them. I am well aware I owe the debt but XXXX collection ethics will not get me to pay any quicker.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, XXXX, and AMEX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all XXXX bureaus and XXXX XXXX, XXXX, and AMEX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apple credit card- is violating the FCRA and reporting : 1. I owe {$2800.00} on debits that were ruled during identity theft disputes filed, and filed to not be my charges. I actually owe XXXX. They have told me during multiple calls I dont owe, and they emailed a accountant to write off the charges. 

2. Inaccurate reporting to the credit bureaus : my last dispute was finalized by XX/XX/XXXX, yet they have reported to bureaus the fraud charges instead of removing them by the statuatory deadline of XX/XX/XXXX. It took XXXX calls to get my balance amount due because their system does not show what is actually owed. It was paid off in XX/XX/XXXX. Suggest they fix their system to show charges customer owes from fraud charges, 3. Since I owe nothing, and all fraud charges sere disputed in my favor, they needed to report on XX/XX/XXXX only the balance I owed, not leave the fraud charges on my account as a balance due. Instead of me owing {$250.00} roughly, their reporting to bureaus as of XX/XX/XXXX, over {$3600.00} is owed, inaccurate reporting. 

4. As of XX/XX/XXXX, their reporting I am delinquent and owe over {$2800.00} when I dont owe any money. Their only solution is to send a email and nothing gets done. Theyve stated I dont owe, but they can fix their system as their not allowed to do any entries, only their accountant can fix this, but she never called me like they promised she would do in XXXX, XXXX. 

I have asked for the credit reporting to be fixed, and my credit score returned to XXXX like it was prior to their inaccurate reporting. Who can help me? 
I sent them a certified letter disputing the inaccuracies and they received it on XX/XX/XXXX. Please make them comply with the laws since they have until XX/XX/XXXX to fix the innacurate reporting, Thank you, XXXX XXXX.