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

Im submitting a complaint to you today to inform you I was the victim of XXXX XXXX. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an XXXX XXXX report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These several fraudulent hard inquiries and appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have been dealing with this fraudulent information that is damaging my report and stressing me out. I am very upset as I have asked XXXX and provided them with the FTC identity theft report that is notarized documenting this fraudulent information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I've been in and out of the hospital tending to a XXXX XXXX XXXX, so I've been using my money on copays and more important bills. My payment is a week late, which I intend to pay tomorrow, but ever since I became a day late they've constantly called and emailed me despite me telling them that I intend to pay.
Product: Vehicle loan or lease

Loan date approximately XXXX, boat loan Registration/Taxes check and paperwork submitted to XXXX Rector XXXX XXXX Co on XXXX. Which is a company selected by Bank of the West. 

After a month or so I called Bank of the West wondering where my registration paperwork was. I told give it more time. 

On XXXX, 100days after the loan was processed, I went to the tag office here locally and found out nothing had been done on the vessel in the state system. I called Bank of the West, I was told my case was elevated to a tier two level and i would get a call within 1 to 2 business days. 2 weeks later, no return call, so I had to call them back on XXXX. I was told then that they sent a message to the Documentation company on XXXX and no reply back yet. This is in direct contradiction to them telling me someone was going to contact me within 1 to 2 business days. 

I have {$130000.00} yard decoration that I can not legally tow on the roads in the state of Florida due to no tag being issued. I can not operate the boat on the waterways due to no boat registration being issues by the state in my name. 

I have repeatedly asked to speak to a manager when i call the XXXX number and the agent on the other end has just flat said no. This is unacceptable! 

The title documentation company is selected by Bank of the West therefore they are the parent company and should take immediate and corrective action to get there own customer the documents needed for the vessel.
Product: Vehicle loan or lease

Santander USA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, TX XXXX New auto loan:XXXX XXXX XXXX VIN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , AZ XXXX, car is great, lender public known for various predatory lending violations in over 34 states  AZ Case Attorney General vs Santander USA Inc XX/XX/2020 XXXX XXXX. Loan amount {$19000.00} Annual Percentage Rate 19.25 72 mos $ XXXX.mo {$13000.00} finance charges, XXXX XXXX stated necessary to purchase extended service contract to be approved after approval Santander stated this was not true and cancellation permitted payment would not be lowered. XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX CEO has associated store XXXX XXXX listed in the court filing for predatory lending violations currently, your help is appreciated.
Product: Debt collection

A letter for debt collection was sent to me from the Hameroff law offices dated XX/XX/XXXX. In response, I mailed a letter ( certified ), dated XX/XX/XXXX, in which I requested not to be contacted about this debt any further. The statute of limitations for legal action on this account has passed. I have not made any payments on this debt since at least XX/XX/XXXX. In this letter, I stated : " Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. " I received another collections letter from them dated XX/XX/XXXX. Nowhere on this notice does it say anything their confirmation of my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I XXXX XXXX XXXX XXXXXXXX, 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

Sears Master Card - {$1000.00} They closed the credit card completely was current on payments.

Sears Card - {$250.00} They closed the credit card completely was current on payments.

XXXX XXXX Card - {$1000.00} - They closed the credit card completely was current on payments.

XXXX XXXX - $ -XXXX- They closed the credit card completely was current on payments.

XXXX - {$50.00} They lowered the credit amt from {$600.00} to {$100.00} this acct is still open.

Home Depot - {$200.00} - They lowered the credit limit from {$800.00} to {$300.00} I was current on payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have disputed this XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed for 2016, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account status is wrong and should be correct. Now, I want you to remove this misinformation on my file XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Product: Mortgage

This complaint will show yet again how Wells Fargo has and is lying and defrauding us. Wells Fargo has repeatedly stated that the unpaid taxes and the lien sold due to unpaid taxes knowingly and willingly by the sellers omitting the fact they didnt pay any taxes for XXXX, which should have been discovered by the title search company and the insurance we paid additionally for this exact reason. Wells Fargo has also stated the lien was redeemed by XXXX XXXX on XXXX XXXX. When actually XXXX XXXX and wasnt redeemed until XX/XX/XXXX. We actually filed a title insurance claim with XXXX XXXX XXXX ext XXXX. We retained a lawyer in XXXX, only to continue to fight Wells Fargo to prove this. By the XX/XX/XXXX, notice of the delinquent taxes, and we have to pay them immediately. For Wells Fargo dismiss this as not a big deal. To have them continue to lie about the actual facts. Im assuming its the typical Wells Fargo way, however it more than establishes criminal intent and not just bad business practices. Wells Fargo continues to deny wrongdoing! They continue to deny our compensation from various fines and violations. We are the prime example of their criminal activities over the last 20 years. We have not changed our complaints, in fact we have more than provided Wells Fargo with the documentation. When will Wells Fargo be held accountable? They are continuing their illegal activities with every response we have received.
Product: Credit card

I had a personal Capital One credit card ( actually XXXX of them ). I got be hide on the payments due to owning my own business. I was contacted by XXXX XXXX collecting agency demanding a payment. I contacted XXXX XXXX and came to a resolution on the account. XXXX XXXX and I agreed to a settlement offer. On XXXX XXXX, 2016, I paid XXXX XXXX {$680.00} of the {$970.00} balance, Capital One in XXXX 2016, started reporting the collection balance of {$290.00}. ( the difference between the XXXX amounts ). I contacted Capital One and the representative stated unless I pay the {$290.00}, they will continue to report and try to collect the amount, I forward Capital One the letter I received from XXXX XXXX stating the debt was paid through a settlement with a XXXX balance. Capital One said the paper did not reflect what I owed them. I told them that XXXX XXXX was acting on their behalf. I contacted XXXX XXXX and asked if they had sent over the arrangement that we agreed upon. He replied yes and that the account was paid in full and that he would contact Capital One. I waited a week and contacted Capital One. I was told that I still owe the {$290.00} and it would be reported until it was paid.
Product: Mortgage

Wells Fargo is not reporting my mortgage payments to credit reporting agencies even though I reaffirmed my mortgage following a 2014 bankruptcy.
Product: Debt collection

LVNV Funding LLC Collection Opened : XX/XX/2019 Loan Amount : {$820.00} Loan Amount : {$1100.00} This collection account does no belong to me. I have reached out to LVNV Funding LLC/Resurgent twice already to dispute the collections. They have refused to remove this collection from my credit report. They said and I quote that my dispute was " frivolous and irrelevant and that it will not be investigated. '' I've sent validation letters asking them for them to provide a copy of my signature validating this debt. They were no able to provide me with any contracts with my signature on it, no paperwork at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In summary, I have had XXXX XXXX auto and life insurance policy for several years. They wrongfully canceled my auto policy based on inaccurate information they collected and following the IRMA related claim without notification. They refused to correct and reinstate auto policy after several discussions.

As a customer in good standing and none of the claims were at fault, not only did the XXXX XXXX failed to provide advanced notification and refused to provide information at my request on my online account, the reported the history of claims is compromising my obtaining another policy. This appear to be a disruptive deceptive business action that is also threatening to suspend my driver license regardless of my safe driving record.

Further, it is within law to file claims in legitimate accidents or events. It is insurer obligation to honor the policy and it's their obligation to pay on claims based on their policy, such as mine where I paid for several years to have XXXX limits and uninsured motorists coverage. The consumers should NOT be penalized or discriminated for following regular process of filing claims or requesting road assistance, and particularly related to natural disasters.

If States enforce that all citizens to obtain insurance coverage which I have had continuously for many years and have been as safe driver, it is our right to have enforcement the fairness and legitimacy of Insurance companies processes in handling those coverages. There have to be limitations on arbitrary policy cancelations for long standing customers.

Please note, they didn't drop my other policy on Life Coverage. Following the same logic, they would collect the premiums and cancel when it's time to pay.

Additionally, I question how many other Floridians lost their policies right after Irma related claims with XXXX XXXX or likewise unethical carriers.

State agency has NOT provided any help in correcting this action.

XXXX XXXX   <XXXX> Re : [ SR # :XXXX ] LexusNexis also failed to take action and make appropriate corrections on compromising records that are threatening to suspend my driver license.

Product : XXXX XXXX Claims Bundle Report Confirmation Number : XXXX Order Date : XX/XX/XXXX  XXXX XXXX  Other insurance companies, namely XXXX, XXXX XXXX and XXXX refused coverage XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimComprehensive XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimAccident resulted in injury to myself XX/XX/XXXX ClaimNon Chargeable - No Payment Made
Product: Debt collection

I Initiated a dispute with debt collection agency, Account Resolution Cor., on XXXX via letter, requesting debt validation for medical collections account XXXX in the amount of {$1400.00}. 
XXXX XXXX Account Resolution Cor. responded with documentation that claimed their client provided them with documentation. The documentation the collections agency sent contained medical diagnosis, medical treatment, prescription information. They also sent an itemized statement from their customer that shows a XXXXXXXX XXXX  owed by me. Because Account Resolution Cor. did not have consent to have medical information, and may have violated HIPAA, I sent the collections agency a cease and desist letter on XXXX via certified mail, again requesting validation of debt that I owe to Account Resolution Cor. and requested they send an agreement that bears my signature agreeing to pay Account Resolution Cor and as this was a medical account, a copy of any HIPAA authorization. 
The collections agency received this cease and desist letter via certified mail on XXXXXXXX XXXX XXXX XXXX, Account Resolution Cor. has not responded with validation of debt or a HIPAA authorization, nor have they removed the collections account from my credit report.
Product: Debt collection

I was served by Second Round LLC on XX/XX/XXXX about a debt that I didn't recognize. The document included a Bill of Sale to Second Round Sub LLC that said it was effective as of XX/XX/XXXX ( but wasn't signed until XX/XX/XXXX ). The description of the portfolio or package was redacted on the document I received. It also did not include who the Seller was, except for a signature that noted his title was XXXX. 
This was for a XXXX debt evidently, and the last payment listed was XX/XX/XXXX. I also have a date of XX/XX/XXXX for " Charge Off Account - Principals '' and " Charge Off Account " Finance Charges. '' I was able to find all of my previous XXXX charges, and I can't find these payments listed. Also, my XXXX credit account has been closed so I can't verify if the account number belongs to me. 
Also, XXXX still has my maiden name because I've had issues updating it, but these records have my married name. 
When I first received the summons, I responded on XX/XX/XXXX with an answer. I never heard anything back after this answer until yesterday, when I got a court date for XX/XX/XXXX. 
I called Second Round back when I was first served and they didn't have a record of me that corresponded to my social security number or date of birth, so they said it was probably sent to the wrong person. Then after I received the court date, I called them again and they gave me the same information but also that my address was listed for them. They gave me a number for XXXX XXXX XXXX. I wrote them a contact note and have tried calling multiple times ( I left XXXX voicemail ) but I get sent straight to voicemail every time. 
They also included a Status Report Pursuant to Servicemembers Civil Relief Act, which has my first and last ( married ) name but the last XXXX of the XXXX and the XXXX are redacted. When I tried to call the XXXX 's contact number to ask them to look up the certificate ID, I got a busy line every time. 
I have no way to truly verify if this debt belongs to me, but I am still being summoned in court after a year and a half of silence in regards to my answer.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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/block any items 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have been contacted by Jefferson Capital numerous times over the last few years regarding an unpaid bill from XXXX XXXX XXXX XXXX XXXX. Contact includes, mail, email, phone calls, and text messages. I have explained multiple times that this is NOT my account and this account belongs to my ex-husband and his wife. Jefferson Capital also sends collection letters for the same account to my home address in my ex-husbands name that has never lived at this address. I have notified Jefferson Capital by email and mail to cease collection and communication to which they have have not complied. This collection is affecting my credit score and I am desperate to get this corrected as soon as possible.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the customer financial protection act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their despite resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions Have caused significant inconvenience And financial loss and I seek appropriate redress for these violations.