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

I am writing to formally request the immediate blocking and deletion of the following accounts from my credit file. These accounts were fraudulently opened using my personal information, which was compromised due to a recent data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent items removed from my credit report. 
Fraudulent Accounts : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX$00.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXXXXXX XXXX {$00.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$00.00}
Product: Vehicle loan or lease

I placed an order with Tesla under the assumption that I was approved or would get the lease because you have to pay for the order upfront and after Ive already paid and gave all my information it is very misleading because they are insinuating or implying that you will receive the car or the order and they are charging a {$250.00} nonrefundable order fee now I was denied the application and they are not going to return my XXXX so I think that is very misleading and Unscrupulous business practices there, misleading customers with the assumption that you were already approved and will receive the lease
Product: Debt collection

WAKEFIELD & ASSOCIATES has not mailed proof of dept. When called they are refererencig a dept XXXX XXXX XXXX for XXXX XXXX. They should have my address in TEXAS as it is current on Credit Bureau.
Product: Mortgage

On XXXX XXXX I contacted Specialized Loan Servicing after receiving an NOD on our property. This debt was included in a BK in XXXX and transferred to SLS in XXXX of XXXX- which we were not aware of. We were told we could make an offer to SLS to get the lien released, as we want to keep our home that we have had for 22 years. They told us to get a full appraisal, a current payoff and write an offer letter. We did all of that and submitted to them on XX/XX/XXXX. We were told it would take 3-5 business days to get an answer. We had no response from them after a couple of phone calls. Then I called and spoke to a Supervisor who did not treat me professionally and said that I had this free money and had lived there all these years without paying. My husband and I are XXXX XXXX and had worked very hard to keep our home. They said our balance was $ XXXX ( which started out at {$75000.00} ) and that we would have to come in with {$40000.00} and no other options. There is no equity in the property as the full appraisal came in at {$850000.00} and we owe {$830000.00} and I offered {$5000.00} to settle. I keep getting different answers from them and they will not let me speak with any managers or upper management. I do not want to lose my home!
Product: Checking or savings account

Accounts were opened without my consent. They dont have a signature card for all the accounts I had with Wells Fargo XXXX When I went to ask why I had more accounts they said it was a promotion. I never wanted all the accounts.
Product: Credit card or prepaid card

I am filing a complaint in reference to number XXXX. I was recently denied a credit card from American Express and know that I was discriminated against and that their decision was based off of information retained from my credit report which is filled with inaccurate and false accounts that I have been disputing with the credit reporting agencies. There were multiple violations of my consumer rights that they are liable for not only civil but also criminal. Attached is a letter I have prepared stating the violations from XXXX, XXXX, etc. XXXX wrote these laws to help and protect consumers such as myself. I spoke with 2 representatives one by the name of XXXX XXXX XXXX number XXXX who was very rude and talked aggressively telling me I was wasting my time and XXXX XXXX XXXX number XXXX who was trying to assist me the best she could. My experience with XXXX was horrible and no customer should be talked to that way EVER. I have also submitted a complaint to the Attorney XXXX and the Federal Trade Commission. My concerns continue to be ignored and I havent heard anything back from American Express even after sending an email to corporate.
Product: Debt collection

I have saved voicemails from someone calling from an unknown number saying that they are from the county process service department and have a failed attempted to serve me at the location on file, this matter requires my immediate attention and I need to contact the issuing office at XXXX and reference the case number provided. The call ended with " you are in jeopardy of missing your court date, consider yourself notified! ". The XXXX voicemail said they have a XXXX failed attempt to serve me and my sister and we are in jeopardy of missing the court date as well as in jeopardy of getting a failure to serve. I have no idea why this `` county process service department '' is looking for a matter that would involve both me and my sister. 
I called the phone number XXXX and have was hung up on XXXX times and told I was playing games and disgruntled ( because I told them that if they werent recording the call i was going to ), before getting information from someone on the XXXX call, which I recorded. When answering they stated different names for their " firm '' ; XXXX and Legal office of XXXX XXXX. The account they referenced is was one that I have been disputing for years because it was fraud ; I did not open the account, someone else did. It is currently in dispute status and past the statute of limitations in my state. 
The `` county process service department '' also called multiple family members who have texted and called me worried about me because it sounded like I am facing a serious legal issue. 
I spoke with XXXX attorneys that stated this business is not legitimate, it is a scam. Neither of the lawyers could find information on this " law firm/business '' I searched for hours attempting to find information on their company and all I could find was information on a company in XXXX.
Product: Debt collection

An attorney named XXXX XXXX XXXX located in XXXX XXXX, purchased my debt from Sentry Recovery. He sent a summons to sue me for the debt. I obtained an attorney, who has reached out many times attempting to settle out of court. Before obtaining an attorney, I also tried to get in contact with this attorney to see what could be done, and he has never returned any of our phone calls, including those from my attorney. The balance of my debt increases every month, and we can not get ahold of the attorney to discuss options. Based on reviews online and from others we have spoken too, he never answers the phone calls in hopes you will owe him the settlement amount against you from court. This cant be legal, and while it isnt repeatedly calling, a direct attempt of screening phone calls to prevent someone from paying their debt should be. Thank you.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX, I carefully reviewed my XXXX Report and disputed inaccurate information, specifically regarding a XXXX XXXX Bank account that was closed on XX/XX/XXXX, and charged off for {$210.00}. 

On XX/XX/XXXX, XXXX sent me the results of their " reinvestigation. '' Upon reviewing these results, it is evident that a proper reinvestigation was not conducted in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). Additionally, XXXX did not provide the documents I requested. Instead, they verified the information as accurate by sending me a driver 's license and what appears to be an outdated application from XXXX XXXX Bank dated XX/XX/XXXX, which I have no knowledge of, accompanied by an expired driver 's license. 

As a result of this ongoing issue, I was informed by a Charles Schwab representative that my application to open a brokerage/checking account with Charles Schwab was denied due to the negative information being reported on my XXXX report XXXX
Product: Debt collection

XX/XX/2021 {$2400.00} I called to verify and tehy asked for {$1000.00} more than what was owed National Credit management
Product: Debt collection

I have an unknown collection account on my credit.I was not contacted by the collection agency so I was not aware of the debt until I viewed my credit. I called and was not able to reach anyone so I sent them a letter by priority mail which they have received. To date, the account remains on my credit and I have yet to get a response from them. However, the bureau alleges the account has been verified as belonging to me when it doesn't
Product: Credit reporting or other personal consumer reports

XX/XX/2023 i contacted the credit bureaus due to my address being reported incorrectly. the rep on the phone told me it us due to having a thin credit profile.
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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries XXXX5 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A ; States I have a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2021 I called Portfolio Recovery Associates, LLC and spoke with XXXX XXXX XXXX regarding the settlement of an old debt they purchased from XXXX  regarding my XXXX card. They offered to settle the debt in full and delete the tradeline from XXXX, XXXX, and XXXX  in exchange for a payment of {$1700.00}. That very day I obtained the funds and sent them via XXXX  overnight delivery service. XXXX  was delay by one day so they received the funds on XX/XX/2021. Instead of deleting the tradelines from XXXX, XXXX, and XXXX  they updated each bureau with incorrect information. XXXX  was advised the debt had been settled, however they did not delete the tradeline. XXXX  and XXXX  were advised I paid {$1700.00}, but still owed {$1000.00} and of course, the tradelines were not deleted. Portfolio Recovery put in writing this obligation would be settled and removed from all three bureaus which they have failed to do. Attached are copies of the settlement letter, XXXX  tracking, and copies of the certified USPS money orders I sent them. Please promptly inform Portfolio Recovery Services to remove these this obligation from my tradelines with XXXX, XXXX, and XXXX  as agreed to or I will seek legal counsel and sue them.
Product: Credit reporting or other personal consumer reports

I looked up my credit report and several activities appeared that I don't know about.
Product: Credit card or prepaid card

XXXX made an unauthorized deduction from my checking account which caused associated overdraft. The overdraft resulted in draft from saving account and cash charges, fees, etc. to Wells Fargo credit card. Occurrence was XXXX day a three way phone call took place between XXXX and Wells Fargo. It was established that the transactions were all unauthorized. XXXX over charged interest even after receiving payments in full. XXXX has also failed to report the loans as having been paid ( in full and excess ) to the credit bureaus. Wells Fargo still has yet to reimburse the savings account and the credit card from the checking account. They sent a letter only a week after the three way call informing that all the proper adjustments had been made. Later, Wells Fargo sent another letter ( false claim ) stating the reversals were not made, and falsely claimed the checking was over drafted. The checking was not over drafted until the unauthorized transaction. I have called repeatedly. This is an online account but I am not able to communicate to Wells Fargo online or file proper disputes online and the calls have resulted in hang ups and repetitive transfers without help. I have spent hours on the phone. Wells Fargo has repeatedly been charging false daily average balances, cash fees, and false balances to the credit bureaus as well. It has been over a month. Also, no one is able to disclose how they are miscalculating the interest/fees, etc. I made no charges on my credit card the last billing cycle yet have lots of wrongful charges, fees interest and false reporting on the billing statement. No one will help. I'd like a bank investigation or Auditor to fix the account because Wells Fargo has been unable to do so. Please assist. Thank you..
Product: Debt collection

I contacted the credit bureaus to inform them of the debt was paid to original creditor and collection agency should not be reporting the debt is due. Two of the three credit bureaus removed the negative account from my consumer report. I do not have an open balance with my XXXX XXXX XXXX and IC System Collections should not be on my consumer report as the debt is not due and has been paid as agreed. The negative collection is still on my XXXX Consumer Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I have contacted XXXX XXXXXXXX XXXX  multiple times to get information about the amount that I allegedly owed when I have a paper that somebody in the corporate office signed stating I did not owe any money right before I have moved out because I have housing assistance and they have to have the form sign before you moved. After I moved out in XX/XX/year> about 60 days later after me showing up numerous of times in the office and got a ledger stating that I as allegedly owed {$290.00} still try to get in contact with somebody in the corporate office but could not contact nobody. 60 days later I got a letter in the mail and a phone call stating I owed over {$1000.00} but could not give me a breakdown of how when I have proof that I didnt owe anything. Even when I paid online, I did not have a balance when it was time to pay rent each month. They are stating that they updated it after I have moved out, but I had no knowledge of this to even resolve the issue. I am getting letters and phone calls from national credit system, stating that I need to make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car with credit acceptance. The car was totaled in a tornado. My insurance paid a portion of the balance and they provided me a settlement. I was 30 days late..I agree with that. I paid the settlement in full and after I paid the full amount they reported to the credit bureau that I was 60 days late. They reported that 3 weeks after I made the final payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute back in XXXX with XXXX  regarding Elan Financial, for whatever reason, the past due payment was removed from my report. A couple of days ago I noticed Elan Financial once again reported the same past due issue once again. I explained to them that subsequently to the migration from XXXX XXXX XXXX which I had set up with autopay, the bill became late and I was unaware. It happens that Elan Financial did not carry over my autopay and although they made numerous attempts to contact me via postal and email ; it is my argument that the envelopes and email were generic by design. I will attach email examples in this complaint. The irony is Elan Financial waited till the bill was passed 30 days to contact me via phone. Once I received the phone call I immediately paid, which I would have done if they would have contacted me sooner. 

I attached an image of the emails I received from XXXX originally and the generic emails I received from Elan which subject line do not refer to XXXX. As you will well notice Cardmember Service is practically any spam email and postal mail one receives on an average week. I phone call would have solved this issue especially since I was a new member. If this would have happened because I just plain forgot to setup autopay or just did not care about making a payment I would understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bank is reporting to the credit bureau that my account has been affected by a natural disaster. I have not applied for nor received any assistance on my account and when I reached out to the bank they said that status would not affect my credit score. I feel the bank has received federal funds fraudulently and I have not divvied out any of those funds to its customers.
Product: Debt collection

XX/XX/year>XXXX  Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX MN XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Jefferson Capital Systems, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably.

With that, my demands are as follows : You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records. 
Monetary compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 
As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 
I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account # XXXX 30 days late on XX/XX/XXXX2021, XXXX 2021, 60 days in XX/XX/XXXX 2021, Jan 2022, 30 days in XX/XX/XXXX2022, and XX/XX/XXXX2022.