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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Subject : Violation of U.S. Code 1681a ( 2 ) ( a ) ( i ) -and U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Account Name : ( Westlake Financial SVCS ) Account Number : ( XXXX ) Date of Reporting : XX/XX/XXXX Description of Inaccuracy : Inaccurrate Reporting WESTLAKE FINANCIAL SVCS is in violation of multiple laws set forth by Congress in regards to the following account # 1578. 15 U.S. Code 1671a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transaction or experiences ( payment history, charge off status ), between the person ( WESTLAKE FINANCIAL ) making the report and the consumer ( myself ). Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) states that A person ( WEST LAKE FINANCIAL SVCS ) shall not furnish any information relating to a consumer ( Me ) to a consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows of has reasonable cause to believe that the information is inaccurate. WESTLAKE FINANCIAL SVCS can not collect on a discharged debt. This is now considered a certificate of indebtness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate.

This reporting is unsatisfactory, WESTLAKE FINANCIAL IS HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In WESTLAKE FINANCIAL SVCS 'S TERMS AND CONDITIONS they agreed not to share my information with non affiliates. XXXX, XXXX and XXXX is not an affiliate of WESTLAKE FINANCIAL nor are they " bureaus ''.

I have a right to Privacy and Per the Privacy Act of 1974 as a federally protected consumer, I am now revoking any and all authoritization I the consumer may have given you written, nonwritten, verbal and nonverbal per U.S Code 552a.

THIS IS A WARNING YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED Sincerely XXXX XXXX XXXX BENEFICIARY
Product: Checking or savings account

I was getting denied for checking accounts. I pulled my consumer report from XXXX XXXX XXXX with Consumer ID # XXXX and found accounts that are not mine. I have attached XXXX Police Report. 

XXXX XXXX Incident date XX/XX/XXXX Account # : XXXX Routing # : XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Account # : XXXX Routing # : XXXX XXXX XXXX Open Date XX/XX/XXXX Account # : XXXX Routing # : XXXX XXXX XXXX Open Date XX/XX/XXXX Account # : XXXX Routing # : XXXX XXXX XXXX Open Date XX/XX/XXXX Account # : XXXX Routing # : XXXX Huntington Bank - OH Open Date XX/XX/XXXX Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX Routing # : XXXX XXXX XXXX Open Date XX/XX/XXXX Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Account # XXXX Routing # : XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I briefly had a cellular telephone account with XXXX XXXX XXXX back in XX/XX/XXXX. I was on a XXXX plan an was paying somewhere between {$50.00} and {$60.00} a month. Being that my plan was XXXX, I had the freedom to choose a different service at any time. I decided to switch from XXXX XXXX XXXX to a different cellular telephone service. In XX/XX/XXXX a collection account from Enhanced Recovery Corporation appears on my credit report. This debt collection company claims that I owe {$200.00} from old XXXX XXXX XXXX debt. Being that my cell service was XXXX, this is not possible. In addition to that, my bill was paid in full when I decided to switch to a different carrier. I have attempted to have this debt verified to no avail. I also disputed this debt to no avail. I am at a loss as to what I should do about this debt.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

I was given a verbal agreement that if an EOS CCA account was paid off in full the day of that it would be deleted within 2 weeks from my credit report and Id also receive a deletion letter. I never received any letter and it was never deleted from my report. I called back today to see what could be done and I was given no help and told that its not happening. I spoke with XXXX XXXX the Complaints Department Supervisor who can be reached at XXXX. As a recently separated and XXXX veteran from the United States XXXX XXXX this is causing me housing issues and stopping me from obtaining a VA home loan. I am trying to fix this to better my housing situation.
Product: Debt collection

It has come to my attention that Ive been waiting longer then 30 days to receive the validation that Cascade Capital llc claimed they would mail me. Ive given them more than enough time to produce the validation of said debt. Today marks 46 days since Ive asked for the validation. ( See cfpb complaint number XXXX ) It also has come to my attention that Cascade Capital llc does not have a license to collect debt in the state of Arkansas. 
This Corporation has violated my rights as a consumer. Stolen my identity and has the nerve to try to collect from an alleged debt. This corporation continuously reported the alleged debt on my consumer report willingly and knowingly despite not being licensed in the state of Arkansas to collect a debt. See attached documentation below.
Product: Credit reporting, credit repair services, or other personal consumer reports

From the month of XXXX, I have been contacting XXXX XXXX to pay the minimum monthly payment and I have n't been able to. XXXX XXXX, has blocked me from making online payment, XXXX XXXX and XXXX XXXX. I went on XX/XX/XXXX, to XXXX to make payment to XXXX XXXXl via XXXX XXXX and on the screen the customer service representative said that she had never seen a message across the screen instructing me to call into XXXX because there was a block on it. Moments later, I called into XXXX 20 times to be exact to correct the problem, and they stated they received a fraudulent check from me. I do n't even have checks and have always used online banking, ( which I 'm blocked from as well ) but the rude customer service rep in the fraud department stated that their was a check but it the check was n't written by me at all. XXXX XXXX has blocked me from all ways of making a payment, and I have lates on my credit from it ... XXXX XXXX is also aware of my difficulties of making payments because they blocked me from all forms of making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received a call from " XXXX XXXX '' at Harvard Collection Services LLC claiming that I allegedly owe a debt to their client, XXXX XXXX XXXX XXXX for a purchase made under my name with XXXX  on XX/XX/XXXX in the amount of {$410.00}. During the call, I asked her for information about where the company 's office located, who she was employed by, and whether her client claimed that it owed the debt. She stated that Harvard had an office in Illinois but refused to provide any information on XXXX XXXX. She finally admitted that she was calling from XXXX. Ms. XXXX was nearly impossible to speak with because she continuously spoke over me and then told me that under the law " I did not have the right to speak. '' I told her that I did indeed have the right to speak. Ms. XXXX asked me if I was " affirming the debt '' and " agreeing that I owed the debt. '' I advised Ms. XXXX that I did not have any record of such debt and that her actions were illegal under the FDCPA and the FCCPA because she was attempting to convince me into affirming a debt after I had advised that I disputed it and refused to acknowledge that the debt was not legally enforceable under Florida 's statute of limitations, Fla. Stat. 95.11 ( 5 year statute of limitations on debts based on written contracts and 4 year statute of limitations on debts based on oral agreements ). At this point she became enraged and insisted that her company " followed all the rules '' and that " I owed the money and should just pay the debt. '' When I attempted to explain how the statute of limitations works, she refused to listen to me and transferred me to her supervisor, " XXXX XXXX. '' Mr. XXXX reacted likewise when I advised him that I disputed the debt and that I believed his scheme was an attempt to trick consumers into affirming a legally unenforceable debt and restart the statute of limitations. He represented to me that he knew how everything worked with Florida 's statute of limitations and that I knew nothing and that I should not speak on the subject. Like Ms. XXXX, he became enraged and started to make abusive comments when provided him with a citation to the statute. I requested that Harvard Collections stop calling me. I do not have any written communication from either Harvard Collections or XXXX XXXX in my possession.
Product: Credit reporting, credit repair services, or other personal consumer reports

Using XXXX website, all 3 companies refuse to provide their reports online. No reason given. This entire website is set up to allow online access to credit reports. 

Im limited to sending them letters requesting these reports? 
I have to provide photocopy proof of identity and address that is not required on this website? 

Its appears to be a collusion of calculated intents to suppress my access to a free credit report. 

Of course, these companies are more than willing to sell me my credit report on their company websites, and without any photocopied proof of identity.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion 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 a closed account opened at XXXX BANK XXXX  on XX/XX/XXXX Account number ( private ) Another closed account opened at XXXX XXXX on XX/XX/XXXX Account number ( private ) Another closed account opened at XXXX XXXX XXXX XX/XX/XXXX Account number ( private ) Another closed account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) A Collection opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( private ) The inquires that need to be removed are ; XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX finance/ce XX/XX/XXXX. XXXX finance/ce XX/XX/XXXX. XXXX  card XX/XX/XXXX. XXXX  card XX/XX/XXXX. XXXX  card XX/XX/XXXX. XXXX  XX/XX/XXXX. XXXX  XX/XX/XXXX. XXXX  XX/XX/XXXX. XXXX XX/XX/XXXX. the late payments that need to be updated to current are listed as ; all the XXXX XXXX XXXX XXXX accounts. XXXX account. XXXX account. XXXX  account. both XXXX XXXX XXXX XXXX accounts. XXXX XXXX account. XXXX XXXX XXXX account. Closed accounts need to be updated to always paid on time are listed as ; XXXX account and XXXX  card. All other addresses need to be removed from my credit report. the only address that needs to be listed is XXXX XXXX XXXX XXXX XXXX, ga XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

The Original Creditor ( XXXX XXXX ) closed the account of {$1700.00}. An unauthorized account was opened by FAIR COLLECTIONS AND OUTSOURCING INCORPORATED on XX/XX/2016.Nothing is due to FAIR COLLECTIONS AND OUTSOURCING INCORPORATED because I never agreed to a contract with them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Assistance XXXX XXXX XXXX XXXX, PA XXXX Subject : IMMEDIATE REMOVAL OF UNVERIFIABLE DATA FINAL LEGAL NOTICE To Whom It May Concern, This is a formal demand for immediate removal of inaccurate, unverifiable, and outdated information appearing on my XXXX report. I am disputing the following accounts, which must be immediately deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c ( a ) ( Section 605 of the Fair Credit Reporting Act - FCRA ), consumer reporting agencies are prohibited from reporting any information that is obsolete, inaccurate, or unverifiable.

LEGAL BASIS FOR REMOVAL Under 15 U.S.C. 1681c ( a ), any outdated, inaccurate, or unverifiable data must be permanently removed from my file. XXXX, as a credit reporting agency, is legally obligated to ensure only fully verified, accurate, and up-to-date information remains on my report. 

I have previously requested verification of these accounts, and neither XXXX nor the furnishers have provided original documentation proving the accuracy of this data. This is a direct violation of 15 U.S.C. 1681s-2, which mandates that only accurate and verifiable information can be reported.

Since you can not provide original, legally binding documents proving I authorized these accounts, you are required by law to remove them immediately. 

IMMEDIATE ACTION REQUIRED 1. Permanently delete the above-listed accounts from my XXXX report in accordance with 15 U.S.C. 1681c ( a ).

2. Provide written confirmation that these accounts have been permanently removed. 


XXXX. Provide a copy of my updated XXXX report reflecting these deletions. 


4. Cease all future reporting of these accounts to any third parties. 

XXXX. Remove any address on my report that isn't XXXX XXXX XXXX. # XXXX XXXX, Pa XXXX LEGAL CONSEQUENCES FOR NON-COMPLIANCE Failure to comply within 30 days will result in : Legal action under 15 U.S.C. 1681n ( willful violations of the FCRA ).

Legal action under 15 U.S.C. 1681o ( negligent violations of the FCRA ).

Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulators. 


This is NOT a simple dispute ; this is a legal demand for immediate deletion under federal law. If XXXX fails to comply, I will pursue all available legal remedies without further notice. 

You are required to respond within 30 days from the date of this letter, as mandated by the FCRA.
Product: Debt collection

Allied international Credit is attempting to collect debts that do not exist. 

They are also attempting to collect debts that were discharged in bankruptcy. 

This company is a scam.
Product: Credit card or prepaid card

I have a Citicard XXXX XXXX  XXXX XXXX XXXX XXXX. Citicard offers a {$120.00} XXXX XXXX XXXX  credit with this card when you spend over $ XXXX per year and pay an annual card fee. In XXXX I spent over {$31000.00} and paid my annual fee. In XXXX I have paid over {$20000.00} ytd. They are refusing to offer me the advertised benefit.
Product: Checking or savings account

I agreed to a contract with Bright Money for a {$50.00} credit builder loan. There were to charge me $ XXXX membership fee and 5 months of {$10.00} until it was repaid. Then the loan was to be returned to me. They never returned the money, they continued to take more money out of my account totaling {$400.00}. They set up a fake round up savings account that they say will be used to pay down your credit cards. They never used the money for that. My bank account has XXXX pages of transactions which total {$400.00}. There are credits for a total of {$88.00} over the year. So the difference that was taken from me that I'm owed is {$310.00}. The issue is they were supposed to stop at the {$50.00} loan, they never used funds from XXXX XXXX to pay my credit cards and I had the XXXX XXXX  turned OFF so to continue to take this money out of my checking account was a breach of terms.
Product: Debt collection

On XX/XX/XXXX, I sent a Notice of Validation to the XXXX XXXX XXXX to validate the information they claim I owned in the amount of {$1100.00}. I requested a copy of my signatures on a HIPPA form, giving XXXX XXXX XXXX ( Frost-Arnett Company ) permission to review/access any of my medical information. XXXX XXXX XXXX responded, XX/XX/XXXX, with a description of procedures used to determine the accuracy of the items they reported to the credit bureau, therefore, they are in direct violation of my HIPPA rights. No copy of any signature giving them permission to access my personal medical information.
Product: Mortgage

I was diagnosed with XXXX XXXX in XX/XX/XXXX, I had to have XXXX. I fell behind on my mortgage with XXXX XXXX. I was out of work, recovering from XXXX and XXXX, in til late XX/XX/XXXX into XX/XX/XXXX. I applied for a loan modification and was denied, even though I am receiving Social security XXXX. I applied for XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX, and they accepted my application and agreed to pay Ocwen {$50000.00} which they rejected because my outstanding balance was over that amount. At the same time they denied my loan modification even though I make more than sufficient money monthly. I contacted Ocwen on XX/XX/XXXX an ask why was the $ XXXX from NJ housing rejected and they did give me a loan modification, but wanted me to pay over {$57000.00} to save my house. I am waiting to hear back from Ocwen escalations to see If they would accept the {$5000.00} from NJ housing Authority, minus their fees with turns out to be {$50.00}, 300 plus at the end of XX/XX/XXXX. I suggested to them that I will pay the difference between the $ XXXX and the XXXX XXXX dollars an continue to pay the mortgage in XX/XX/XXXX. 

XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX of XXXX  XXXX, Missouri through Venture Financial Services Inc., of XXXX, Missouri alleged in a XX/XX/XXXX letter that I owe a debt. I disputed the claim and requested documentation that I am legally entitled to and, I requested that Venture Financial Services not contact me at my place of employment, that they not contact my employer, co-workers, neighbors or relatives. To date, neither XXXX XXXX XXXX XXXX XXXX of XXXX  XXXX, Missouri nor Venture Financial Services has supplied me with the requested documentation. However, Venture Financial Services has made numerous attempts to contact me at my place of employment again, despite being asked no to. The request was made via a certified letter to Venture Financial Services and signed for by XXXX XXXX on XX/XX/18.
Product: Debt collection

I have worked very diligently on correcting my credit report after having XXXX surgeries, and being hospitalized for over 4 months. I am proud that I was able to pay off all of my medical bills, and have finally gotten my credit score to the point where I can now qualify for my first home. However, I received a notification from XXXX XXXX last week, that my credit score had changed. I was hoping that it had increased due to the most recently paid medical bills. However, to my horror, my credit score had decreased by XXXX points. When I searched for the change, I found out that I am being held responsible for a debt that does not belong to me. 

I was married in XXXX in XXXX, and moved to XXXX in XXXX with my now deceased husband. However, after several years of marriage, he and I separated, and I moved to XXXX  in XXXX with my XXXX minor daughters. My ex-husband died in XXXX after moving to XXXX  with little or no contact at all. Apparently, this is a debt that he owed to the XXXX  Department of Human Services. My ex-husband has been deceased for over 2 years, and has never resided in my home that I share with my XXXX  daughters, and XXXX year old granddaughter. My XXXX year old daughter collects survivors benefits from Social Security, however, prior to his death, he never provided for her financially. How could Harvard collection agency just assume that I owe this debt without any contact at all? I have not received any letters or any correspondence form this agency at all. They did not allow me notification to properly dispute. They just simply reported this as over 120 days past due as of XX/XX/XXXX. This has already negatively effected my credit scores, and could possibly effect my qualification as a first time home owner. If this was to happen, it could cause even more financial hardship for me and my children.
Product: Credit card

Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately
Product: Money transfer, virtual currency, or money service

I am submitting a formal complaint against Cash App, operated by Block , Inc., due to inadequate customer service and business practices that I believe violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraudulent activities on its platform, leaving my account exposed and vulnerable.

Additionally, I found the dispute resolution process to be both unfair and deceptive. It did not adhere to the error resolution standards mandated under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These deficiencies have resulted in significant inconvenience and financial losses.