23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A letter was sent to LJ Ross and Associates on XX/XX/22 via Certified Mail requesting the name and address of the original creditor, the account number and amount owed, verification that there is a valid basis for claiming I am required to pay the current amount owed, details about the age and amount of the debt, including the last billing statement from the original creditor, detailed explanation of interest added or payments made since the last billing statement and legal authorization for this interest. I also requested the date the original date the creditor claims this debt became delinquent, whether this debt is within the statute of limitations and how that was determined. Requested were details about the authority for this company to collect this debt, whether they are licensed in my state, the license number, name, address and phone number of the state agency issuing that license. This letter was sent for account number XXXX, XXXX, XXXX and needs to be verified for any and all accounts that LJ Ross holds for XXXX and/or XXXX XXXX. 

I received nothing back from this company to validate any debt therefore according to the Fair Credit Reporting Act, I am not required to pay this debt as I am unable to validate this debt. I tried to dispute this on my credit report, however XXXX was unable to verify my account for me to access my dispute feature at this time.
Product: Credit reporting or other personal consumer reports

XXXX has reported that Account ending in XXXX has a 30-day late payment in which they agreed to correct XX/XX/2024. This information was updated with all 3 credit bureaus, only for XXXX to continue to report false information on my TransUnion credit report. On XX/XX/XXXX XXXX reported this false information and again on XX/XX/2024, they have reported this false information after initially fixing the issue. XXXX needs to update their system and stop reporting this false information. This account was never late as stated in attached document!
Product: Credit reporting or other personal consumer reports

The inquires below are not mines and are ID Theft. Please review and delete. I have added a ID theft alert to report. 

Transunion : Inquiry details XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX  ( Bank ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX XXXX  ( Bank ) XX/XX/year> XXXX  XXXX # ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX : Inquiry details XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX  DEALER XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Portfolio Recovery Associates for failing to comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The following outlines the situation : 1. Failure to Validate Debt Properly I sent multiple certified dispute letters to Portfolio Recovery Associates on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting detailed validation of the alleged debt under 15 U.S.C. 1692g ( FDCPA ). 
Despite receiving these letters, they failed to provide the following critical documentation : Proof that I legally owe the debt to their agency. 
A full accounting and payment history of the alleged debt. 
Whether the debt was assigned or purchased, and a copy of the purchase agreement. 
Proof of their ownership of the debt. 
The original contract bearing my signature. 
Proof they are licensed and bonded to collect debt in my state. 
Their failure to provide these documents within the required 30 days violates 15 U.S.C. 1692g ( b ) of the FDCPA, which mandates proper validation upon request. 
2. Violation of FCRA Portfolio Recovery Associates continues to report this account to credit reporting agencies despite failing to validate the debt. Under 15 U.S.C. 1681s-2 ( b ), furnishers of credit information must ensure the accuracy of the information they report. Reporting unverifiable or inaccurate information constitutes a violation of this obligation. 
Additionally, their failure to investigate or remove the disputed information after receiving notice of my dispute further violates the FCRA. 
3. Responses Received Their responses to my dispute letters failed to address the critical items outlined above and were insufficient to validate the alleged debt. This inadequate response disregards legal obligations under the FDCPA and FCRA. 
4. Applicable Case Law In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized the importance of providing adequate documentation to validate debt claims. 
Similarly, in XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), the court highlighted the necessity of accuracy and verifiability in credit reporting. 
5. Harm Experienced Their continued reporting of this unverified and inaccurate account has caused undue harm to my creditworthiness, financial standing, and peace of mind. 

Attachments : Copies of my dispute letters sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Their insufficient responses. 


Thank you for your assistance in resolving this matter and ensuring Portfolio Recovery Associates is held accountable for their noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 5 complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the accounts from my report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX  XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXXXXXX 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

In accordance with the Fair Credit Reporting 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.
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 violates the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take time and effective measures to prevent and address fraud in their platform, leaving my accounts vulnerable and unprotected.

Furthermore, their dispute 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.
Product: Consumer Loan

An Auto loan was opened in my name with Gateway One XX/XX/2016. My identity was stolen and used to purchase a vehicle. I was not employed at the time, nor did I live at the address that isXXXX in the contract. After doing my own investigation I learned the vehicle was purchased from XXXX located in XXXX, Mo.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XXXX  a bankruptcy was placed on my credit report without my permission.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX ( XX/XX/year> ), XXXX XXXX XXXX ( XX/XX/year> ). Pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Former : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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

On XX/XX/XXXX, I deposited a partial refund check of {$2900.00} at Wells Fargo Bank ATM - XXXX XXXX XXXX XXXX ATM : XXXX @ XXXX XXXX  EST and e-receipt stating the total amount will be deposited on XX/XX/XXXX to my checking account ending in XXXX after further review. I contacted the bank on XX/XX/XXXX as the amount was still pending, and a dispute/claim specialist advised that the check is non-negotiable from the check issuer financial institution and provided claim # XXXX for my reference. I requested the specialist dispute the check issuer 's debited amount of {$2500.00} in response to the bad check, and the claims specialist provided me with claim # XXXX. Wells Fargo realized that the check was never presented to the issuer 's financial institution and proceeded with re-depositing the check. I received an email on XX/XX/XXXX that the bank had resolved the claim without providing any further details. On XX/XX/XXXX, I deposited my XXXX work travel expenses check of {$2500.00}. Still, the amount of {$2300.00} was on hold until XX/XX/XXXX because of repeated overdraft fees. Multiple NSF and Overdraft fees had hit my account during XXXX because of the provisional credit of {$2500.00} reversal in response to the two claims being resolved and closed. The first claim, which the bank initiated and provided the claim number over the phone by the specialist. The second claim was closed as the merchant responded to the dispute attaching the partial refund check, the check subject in the first claim. 
Both disputes were closed without rectifying the account, which led to mortgage payments, car loans, credit and store cards payments being returned. It continued to impact my credit score, dropping over 250 points because of WF 's internal error. The bank was contacted numerous times in XXXX, XXXX, and XXXX, via phone and in-person, to resolve the issue, without any resolution being provided. I escalated the case with the Wells Fargo Enterprise Complaint management office. The officer responded via phone and stated that it was a bank error and it is unfortunate, but they will NOT rectify the issue. I requested the officer to escalate further, and I notified the office of my further escalation through Consumer Finance Bureau and possible legal action for financial and psychological damages.
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a Used Vehicle from USAuto. a XXXX XXXX XXXX that came with a Warranty and also an extended Warranty. On XX/XX/XXXX my car stopped at a red light and never cut back on. I reached out to the warranty company XXXX and was advised to have the Vehicle towed to the Nearest XXXX XXXX to have it evaluated on that following day when they opened. that Sunday the XXXX I received a call from XXXX XXXX giving me a number to call about the Warranty coverage. It was not the Warranty Company. it was Westlake Portfolio and they informed me that they were a debt collector company and they have taken over all accounts from USauto.I was also informed that USauto had filed Bankruptcy. I explained to the rep that my car was in the shop and the bus bar and wiring harness that needed to be replaced was covered under warranty. I was then informed that they would not honor the warranty that I was actively paying for in my car note bi-weekly and I would need to make arrangements to pay they XXXX out of pocket and a new car note. I asked for proof that this company had my contract since it was a debit collector, and I was not pass due with the any Usauto payments and I never received anything. My Credit Shows that the Account with USautosales is closed paid in full now, Westlake is now coming after my credit every other day saying that I have a contract with them and again when asked to provide the contract I never get it, all this over a car that does not run, nor do I have possession of. If I am paying for a warranty and the contract is sold the Warranty should be valid and Westlake is not honoring the Warranty and I do not have any type of pf contract with Westlake. My credit score has dropped XXXX points in the past few months because of Westlake.
Product: Debt collection

I've noticed fake accounts on my credit report that are damaging my credit.
Product: Credit reporting or other personal consumer reports

I acquired a XXXX XXXX XXXX Credit Card and it was the worst mistake of my life. I hated working with XXXX XXXX, they are AWFUL, so I paid off my card and closed my account in XXXX of 2023. Then, somehow in XXXX, months after my account has been closed, I am notified that there is a balance on my card. This is impossible, as the card was paid off and the account closed. I called XXXX XXXX so many times and every representative told me my account had no balance. Experian continues to report that my credit is dwindling because of this 'past due amount ' which does not exist. Please help me fix this. XXXX XXXX is XXXX of the worst companies I can XXXX and they have now unfairly ruined my credit.
Product: Student loan

I requeated to be put into a income based repayment program in my annual renewal for this type of loan. It was brought to my attention that there was a particular plan that would lower my oayments based on my income, and that it would require me to prove my annual income by uploading a pay stub to probe my annual income. In the course of doing so I was told that my loan would be put in forebearance while getting this done. I was later informed that because all of my information was not on one page that I would need to resubmit to prove it was actually my income information. I didnt have a computer at the time, and my company, XXXX did not report the income info in a way that could be screen shotted to upload as a single page tying my name at the top with the rest of my screen shot of subsequent reporting. I attempted to upload it again. And again was told it eas not adequate. I finally printed it out and screen shotted it on one page and reuploaded at work were I had access to a printer and comouter so I could format it in an acceotabke way. As my second forebearance was running out I called in and was told that the upload team was unable to upload my document, even though I received a message when it had uploaded, like the previous multiple uploads, that it had uploaded successfully. So I uploaded it again while on a call with Ed Financial. Same way. Same document. This time I was told I would need to take out another forebearance to cover more time needed to process the document.
Product: Checking or savings account

charging me fees that they should waive they put a fee in b/c crediting my account so they need to reverse the fee
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I contacted trans union about several issues with my credit report along with telling the about XXXX XXXX not up to date and accurate credit report. I informed them of all the US Department of Education loans that have been paid off since XXXX which is over 10 years that should not be on the report. I informed them of bills paid off along with this rent recovery bill that has been paid in full that other credit companies have fixed and TransUion has not. I believe this is because TransUion is a XXXX company. As XXXX people in America We are learning that Jobs, Tech Jobs, Banks, Housing appraisals and more are unevenly and inappropriately handled when it comes to XXXX peoples credit reports as well. TransUion refuses to keep up to date records of our credit and the accounts for XXXX people in America to keep us from any froms of equality here in America. If the FCPB does not start holding all the credit companies accountable when it comes to XXXX people in XXXX and their credit reports. Studies show that companies do not care about XXXX in XXXX. This is not a Sumption this is fact it has been proven over and over and it is now time for the FCPB to step in and make sure all credit companies in America are keeping accurate and proper documentation when it comes to XXXX and their credit reports.
Product: Credit reporting or other personal consumer reports

The 3 major credit agencies are not reporting my lawful and valid consumer of recently and currently discovered item ( s ) with probable deception that is not certifiably compliant in reporting and/or otherwise appear to be deficient in its reporting statuses as stated when reported. Furthermore, this declaration is my consumer 's rightful demand for an adequate investigation/reinvestigation into every part of any delinquency and or demeaning data charged of me to ensure the adequacy of lawful reporting! I understand that the reporting industry has intentionally developed a STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are followed so that the maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository!