23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On XXXX/XXXX/2016 I disputed a collection account on my Equifax file on XXXX/XXXX/2016 I got a letter from Equifax dated XXXX/XXXX/2016 stating their investigation was finished and the results are that the account was verified and that additional information was provided. On XXXX/XXXX/2016 I received a letter from the collection agency stating they could not verify the account right now and that they need more time. Equifax has violated my rights and falsely verified a collection account.
Product: Mortgage

My husband and I initiated the loan application process with Fifth Third when we found a house we wanted to purchase. They sent all of our loan documents ( with our personal/sensitive information ) to an address where we do not reside. It is lost, along with all of our information. Moreover, they have now fallen so far behind on the documentation that it is unlikely we will close as scheduled which could result in losing the house. I can provide detailed information to a representative.
Product: Debt collection

I am writing to you regarding the fraudulent accounts that have appeared on my credit report. It has come to my attention that these accounts do not belong to me, and I demand their immediate removal from my credit report. XXXX  XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XXXX  to update this suspicious information. I think the credit bureaus 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. Here is the list of erroneous items that are reporting on my credit file : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXXXXXX XXXX XXXXXXXX of Inquiry XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. THEY ARE LISTED BELOW. 
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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX XXXX XXXX XXXX XXXX XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX 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

1.LexisNexis has deliberately failed to provide updated credit to the myself, XXXX, XXXX, and XXXX as required by the FCRA after removal of public record data for bankruptcy case # XXXX with a said file of XXXX and case # XXXX with said file of XXXX. 
XXXX. I filed initial complaint against LexisNexis back on XX/XX/22 regarding this information being reported to all 3 credit bureaus. 
XXXX.I have spoken to all 3 credits bureaus and each claim to have no record of documentation to support removal of these items described. 
XXXX. I received a letter from LexisNexis stating they data was removed and XXXX was notified accordingly however this has proven to be inaccurate because the data remains, and XXXX 's representative stated they have not received such as well as the others.
Product: Credit reporting or other personal consumer reports

After XXXX XXXX did not validate the supposed account, I sent them and the three credit reporting agencies a cease and desist. Nothing changed. 

I sent another cease and desist to all mentioned above. Nothing changed. 

I filed a report with cfpb. Nothing changed. 

I filed another report with cfpb. Two of the agencies changed the account from a current collections to a closed account with a balance due. The third agency has not changed anything. ( This is another issue since they should all the not only correct but the same. ) This is my THIRD cfpb complaint against the credit reporting agencies, who are all violating the law by not only reporting inaccurate information, but by reporting inaccurate information that has been PROVEN inaccurate multiple times. 

I have contacted a consumer rights attorney and will be moving forward with law suits against XXXX and all three agencies for their multiple violations if this is not correct immediately.
Product: Checking or savings account

My name is XXXX XXXX I bank with citi bank and they told me they would close my account due to fraud but there isnt any fraud transactions on my account and they are still accepting deposits from the government in my account but I cant access it at all not even to transfer it out of my account or anything I have. Two months worth of government funds just being held in my savings account and I asked for them to go ahead and close it its going on 3 months my month just been sitting there and I cant touch it I will be filing a lawsuit as well
Product: Debt collection

Shellpoint Mortgage illegally trespassed in a attempt to collect a debt not owed. 

On XX/XX/XXXX a representative of Shellpoint Mortgage illegally removed locks from my doors, shut off my utilities, removed plumbing and said to me my house was being foreclosed on. The police were called and the representative of Shellpoint Mortgage told the police I was being foreclosed on. 

I DO NOT NOR HAVE I EVER HAD A MORTGAGE WITH ANYONE SHELLPOINT MORTGAGE REPRESENTS. 

I purchased the home from the XXXX County Kentucky Master Commissioner over three ( 3 ) years ago. Any rights of a lender would have been released at that time. I have since found out that Shellpoint Mortgage is trying to collect a old debt from a previous owner.

Since the XXXX Shellpoint has come back and put more stickers on my doors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
GM FINANCIAL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XXXX, at XXXX XXXX XXXX, I was manipulated into accepting a predatory auto loan from Westlake Financial. The terms of the loan were abusive from the start, with an extortionate XXXX XXXX interest rate. I was coerced into this loan with minimal transparency about the long-term financial harm it would cause. This loan should never have been approved for someone in my financial position at the time. 

Over the course of this loan, I have paid Westlake Financial over {$12000.00}, yet they still repossessed my car and are now demanding an additional {$1500.00} to retrieve it. The car is in poor condition, damaged, and not even worth the amount they are asking for. They are holding the vehicle ransom with absurd charges that far exceed its value, all while exploiting consumers like me with their unethical loan practices. 

Westlake Financial is notorious for taking advantage of vulnerable individuals with predatory interest rates and loan terms designed to trap people in debt. I believe this company is engaging in unethical and potentially illegal lending practices. Their business model seems focused on extracting every possible dollar from customers, regardless of the customers ability to pay or the vehicles actual worth. 

This situation has caused extreme financial XXXX, and I can no longer afford to be held hostage by their outrageous demands. I am filing this complaint in hopes of preventing further exploitation of others and seeking immediate relief from this debt. I request a full investigation into Westlake Financials lending practices and demand that this predatory behavior be stopped. 
[ Payments made as followed ] XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$600.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$250.00} XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$200.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$400.00} XX/XX/XXXX : {$140.00} XX/XX/XXXX : {$400.00} XX/XX/XXXX : {$750.00} XX/XX/XXXX : {$260.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$560.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$310.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have a current police report on file with Chex Systems. The following inquiries currently showing and listed on my Chex Systems Consumer Report ID : XXXX is fraudulent inquiries and not my inquiries : XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with BRCLYSBANKDE and BRAND BK/GS. 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 both XXXX and XXXX and BRCLYSBANKDE and BRAND BK/GS with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

There are outstanding issues with these accounts on my Experian credit report : XXXX. XXXX  : Account XXXX XXXX - Nature of Dispute : unauthorized/unrecognized account. 

XXXX. XXXX XXXX XXXX : Account XXXX XXXX - Nature of Dispute : unauthorized/unrecognized account. 

I previously sent 2 letters ( XX/XX/23 & XX/XX/23 ) and acknowledged the initiation of an investigation by Experian in line with the Fair Credit Reporting Act ( FCRA ). However, I requested comprehensive provision of documentation substantiating the validity of the reported debts. Specifically, I requested : 1. Verification of the debt, inclusive of detailed information regarding the original creditor.

2. Submission of copies of all pertinent documentation supporting the reported debt 's authenticity.

3. Urgent confirmation of the accuracy of reported balances, status, and other relevant details. 
Instead of providing the requested information after multiple investigations, the credit bureau DID NOT PROVIDE ANY DOCUMENTATION OR PROOF OF THE INVESTIGATION, and closed all disputes as " verified ''. I even reached out to the above mentioned companies, requesting documentation to validate the debt as well, with no results. This has had a significantly negative impact on my young family 's ability to progress financially and is causing us distress.
Product: Debt collection

KIKOFF LENDING LLC XXXX I have made several attempts to contact this company in reference to this account via phone ( Phone Number online doesn't work ), email and other means more than 10 times to no avail. This account does not belong to me, it's a result of identity theft. There should not be a late reflected on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Product: Credit reporting or other personal consumer reports

15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( Equifax, Experian, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following Violation of the Fair Debt Collection Practices Act
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A Garnishment was added to my pay from my job without any knowledge or notification ... .I was told that they took me to court and I do not reside in new York XXXX So there is no way I went to court or was seen there.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize nor benefit from the following account ( s ). Block and Remove all listed account ( s ). Block and Remove! I am entitled to payment for each violation according to federal law
Product: Payday loan, title loan, personal loan, or advance loan

I am very concerned about discrepancies on a loan that I got from BOK Financial. 
Upon recently obtaining a loan, I was informed by phone that I would receive a specific amount at a particular interest rate. However, I was taken aback when I received a different amount, and the interest rate and payback amounts were not as agreed upon. 
I was told I would get over {$21000.00} at a lower interest than what I was later given in writing. When I was funded for the loan, it was only {$20000.00} with a {$100.00} loan fee, an interest rate of 10.72 %, and a total amount to be paid of {$41000.00}. 
What I was told by phone is not what I received, which is very misleading. 
The amount financed was {$20000.00}, and the amount they want me to pay back is {$41000.00}. The interest rate I was told by phone is not the same as what they state in writing, and that is also misleading as they mention two different interest rates in the statement. Please see document attached. 
If I had known this, I would not have gotten the loan.
Product: Debt collection

Dispute : False, Inaccurate, & Unverified Collections on My Credit Report Good Evening, My credit report shows a collection from your agency. I was never notified of this collection. Furthermore, I do not believe this debt is accurate at all. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following :