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

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act The Convergent Accounts Listed On The Documents, 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 or other personal consumer reports

Dispute Description for CFPB Complaint XXXX Collections Account ( Account # XXXX ) I am formally disputing the collections account reported by XXXX, account number XXXX. This account has been previously disputed, yet it remains on my credit report despite the lack of proper validation. I am requesting immediate removal of this account in accordance with my rights under federal consumer protection laws. 

Legal Basis for Dispute & Removal Request : 1.Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) Under this statute, furnishers of information ( such as XXXX ) are required to conduct a reasonable investigation when an account is disputed. Since this account has already been disputed, I demand proof that a legitimate and thorough investigation was conducted. 
If XXXX can not provide sufficient evidence of the debts validity, the account must be removed immediately.

2.Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) Debt collectors must provide verification of the debt upon request. If XXXX or its assigned collection agency failed to provide accurate validation, this account should be deemed invalid and removed. 
3.Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ). If XXXX has continued to report this account without proper validation, it violates consumer rights under federal law.

Request for Immediate Action : Due to the repeated failure to validate and the continued harm this account is causing, I am demanding the immediate deletion of this account from my credit report. If this issue is not resolved promptly, I am prepared to escalate my complaint through legal avenues, including further regulatory action.
Product: Mortgage

I'm a XXXX XXXX XXXX XXXX XXXX Veteran, for sometime now Wells Fargo has altered records, lied on records, destroyed records, discriminated and committed Fraud. 

They have made false statements, submitted false Credit Reporting information causing me much harm, they have DISCRIMINATED AGAINST ME, VIOLATED MY CIVIL RIGHTS AND MORE. 

There response is to delay, delay and cover up there ongoing fraud. Just today one of there many boiler room offices told me that " Do Not expect to ever get a Honest Answer ''
Product: Student loan

I have been battling with Wells Fargo for years, most recently within the last couple of months. I have been submitting any documentations that I can send to them because my ex-boyfriend took out this loan in my name. This is a fraudulent account. I even have proof that Wells Fargo closed this account on my Credit Reports and then they keep changing the balance. I do not agree with this. They are not organized. The person who most recently handled this case, XXXX. I was informed for over a month that she was a part of the Fraud department. Then she changed it today that she is part of the Recovery department. I do not know what to believe. I communicated within a timely manner, for each of their requests. They would always take a very long time to respond, without showing any proof, hard copies, of where this account came from. I do not want to be responsible for an account that does not belong to me. I want them to clear this balance again, to {$0.00}, which I have proof is showing and has shown on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute regarding the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Request for Deletion of Collection Account Dear CENTRAL PORTFOLIO CONTROL, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : XXXX. A copy of the original contract or agreement under which the debt arose. 
XXXX. A detailed account statement showing the amount of the debt, including any fees or interest. 
XXXX. Date of Last Activity. 
XXXX. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
XXXX. Documentation confirming that you have the legal right to collect this debt. 
XXXX. Any correspondence related to this account that includes my signature or consent. 

I demand that you take the following actions : XXXX. Immediately cease reporting the collection account associated with my name. 
XXXX. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account number : 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: Mortgage

i received a letter on XXXX XXXX 2016 stating that my property will be sold at auction on XXXX XXXX 2016. i contacted the mortgage company and was advised to submit a modification packet. i submitted the package on XXXX XXXX i called in to verify that it was received and it was. i was also told that the sale was being put on hold. On XXXX XXXX 2016 i was contacted by an agent stating that my home had been sold and she was representing the new owners. I called the bank and was told that the sale should have not happened and the sale would be re-sended. Not to worry that the property was still mine and i was being under review to see if i qualified for the modification loan. on XXXX/XXXX/16 when i called to get status of the process i was notified that they will not be re-sending and the sale would go-thru.I have been served with an eviction notice to appear on court XXXX/XXXX/16.
Product: Vehicle loan or lease

i have identity theft, someone used my information to get multiple auto loans for a long time, it is auto loans for XXXX XXXX, American first, XXXX XXXX XXXX these auto loans I DID NOT DO! this is identity theft, please someone help me, i have a auto loan with American first that is mine for the XXXX XXXX XXXX, but all other auto loans i did not do
Product: Credit reporting or other personal consumer reports

The Date of Birth is incorrect on my credit report. 
My correct date of birth is XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX My Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX fl XXXX Agency name : XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX DATE : XX/XX/XXXX COLLECTION AGENCY ( YOUR VIOLATING MY RIGHTS ) In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Please investigate the negative account below because as I know under my credit report those accounts are not supposed to report in this way. I request for immediate removal before legal action is taken. 
Account : XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 
Please remove from my credit report immediately 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.

15 USC 1692b ( 5 ) Not use any language, symbol on any envelope that indicates that the debt collector is a debt collector. Meaning if a there is a symbol which is shown the debt collector have which is a huge violation.

15 USC 1681b ( A2 ) Without written instructions I nevergaveanybody written information to put anything on my credit report. I never wrote up anything saying I gave a creditor permission to report anything on my report. Which means the account shouldnt be there.

Under 15 U.S. Code 1692k - Civil liability I Demand 1,000 dollars for each violation as you have caused severe damage to my character. ( a ) Amount of damages except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office, and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15-day timeframe you have.

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages along with the violations you have already committed. The invoice will be attached to this Letter Thank you. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

We began receiving notifications in the mail in XX/XX/2021 that we were in default on our mortgage with Mid America. When I checked our payment history on the mortgage website, I noticed that our payment for XX/XX/2021 was not listed. I checked our bank account ( we have our mortgage payments set up on Bill Pay with XXXX XXXX ), and the XXXX payment was indeed sent ( albeit late ). I sent an email to the mortgage company on XX/XX/2021, with a screenshot of our bank transactions showing that the XXXX payment had been deducted from our account. The mortgage company responded and asked for our bank statement, which I sent to them the next day ( XX/XX/2021 ). 
After ZERO response from Mid America, other than continued letters of default, we called Mid America on XX/XX/2021. We explained the situation, and they found the statement I had sent back in XXXX, but they needed more info from the bank. So I called XXXX XXXX immediately and got the transaction number and the date the check was cashed for the XXXX mortgage payment. I immediately called Mid America back and gave them the information, and I was told they would get back to me within 2 business days. We have heard NOTHING from them, and it is now almost a month later. Our account is still showing that we are a month behind on our mortgage payments, and consequently, our credit scores have been severely affected.
Product: Credit card

I confirm that the presence of inaccurately reported late payment comments on my accounts constitutes a violation of the 15 USC 1666. Each payment associated with these accounts has been timely submitted, and any deviation from this accurate reporting is unjust and illegal.
Product: Debt collection

On or about XX/XX/2023, I received a message on my phone with a link directing me to create a logon for an outstanding debt with no explanation as to who or why the company was contacting me. I looked online and found the company 's website stating a letter of transfer should be received but I had not received anything outside of texts and an email to create a logon for this company. I have been very leery of frauds since I am in law enforcement and have seen many types of fraud and investigating several cases at this time. 

On XX/XX/2023, I sent a Request for Debt Verification Letter by certified mail to Westlake Portfolio Management in XXXX XXXX, California. This certified letter was received and signed on XX/XX/2023. Today is XX/XX/2023, and I have not received a response from Westlake Portfolio Management in the form of proof of the debt. 

I have received two phone calls since the certified letter was received. The first call was a notification that my account was past due and in arrears by over {$800.00} and asking how I planned to pay the debt today. I informed the caller that I was not sure why he was contacting me since I received confirmation of the company 's receipt of the certified letter. I then, read the letter on a recorded line in its entirety. The caller then proceeded to ask me questions over and over, seemingly, in an attempt to frustrate me. I suggested that he take a moment to listen to what I stated and told him I was disconnecting the telephone call because it appeared he was harassing me at this point.

The second call was from someone again stating he was with Portfolio Management and threatened to file charges against me and send me to jail. I then informed him that the debtor 's jail has not been in place for more than 25 years and that this was a form of unfair practice. I also informed the rude and aggressive gentleman that there is a certified letter the company has in its possession requesting validation of debt with a cease and desist order included. Since this call, I have not been contacted in any form by Westlake Portfolio Management inclusive of a certified letter or package validating the debt.
Product: Vehicle loan or lease

I've seen no changes for the accounts that I have filed last month. I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Debt collection

******BILLING CODE : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information ( Regulation V ) AGENCY : Consumer Financial Protection Bureau XXXX 
ACTION : Final rule. 
SUMMARY : The Consumer Financial Protection Bureau ( CFPB ) is issuing a final rule amending Regulation V, which implements the Fair Credit Reporting Act ( FCRA ), concerning medical information. The FCRA prohibits creditors from considering medical information in credit eligibility determinations. The CFPB is removing a regulatory exception that had permitted creditors to obtain and use information on medical debts notwithstanding this statutory limitation. The final rule also provides that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using. 


PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The credit bureaus stated that my account was properly investigated but how is that possible if many things are inaccurate on the accounts such as the date last verified inaccurate, date of last activity inaccurate, date last reported inaccurate, date opened inaccurate, closed date inaccurate, last payment inaccurate, term length inaccurate, payment history inaccurate for accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This ground for removal. They also violated my rights under 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 Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello I've had three banks closed on me and I beleive there are money still in the accounts. The following banks are XXXX XXXX, Regions, and XXXX. The occurence for Regions happened in XXXX. The XXXX was in XXXX and The XXXX XXXX XXXX XXXX.
Product: Credit reporting

I have a judgement on my XXXX and Equifax accounts and I 've stayed with my parents since XX/XX/2008.
Product: Checking or savings account

On XX/XX/2022 I deposited a check for {$130000.00} into my Chase Bank checking account. This was physically done at the bank location at XXXX XXXX XXXX XXXX, XXXX, CT. Somehow Chase posted this transaction as a debit rather than a credit and I woke up to my checking account being overdrawn by {$130000.00}. It took multiple phone calls, hours on hold, and much frustration before they finally corrected this. Meanwhile my account had been frozen, and items ( such as my utility payments ) were returned unpaid. I then had to pay service fees for each. Chase reimbursed me for the first one ( and I quote ... '' as a courtesy '' ) but refuses to pay the other 2 ( one for {$20.00} and one for {$15.00} ). These fees represent damages that I incurred due to the banks erroneous handling of this transaction. This was absolutely in no way my fault. While Chase is not able to reduce the XXXX, XXXX  and XXXX  that they caused me, nor the hours of my time that they wasted, they should at least be accountable for the monetary damages that resulted from this mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

They didnt address the issues of my previous complaint. You cant raise an APR and blame it on the credit bureau. My credit score is over XXXX!! Also, Elan should remove the link to check credit or make it active. I dont need a copy of my report, I need them to stop scamming consumers. This has to be addressed. My next stop is the news. Elan Fiancial is a fraud!!
Product: Credit reporting or other personal consumer reports

After recently obtaining a copy of my consumer report, I noticed an unauthorized inquiry being reported by EXPERIAN. I am a victim of identity theft, and have sent experian a copy of my police report on XX/XX/scrub>XXXX XXXX XXXX, requesting to delete the unauthorized inquiry immediately and have yet to receive a response.