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

To whom it may concern : I am officially challenging you to review your data on file for me! I need you to fix any inaccuracies or deficiencies of reporting. The information in my profile needs to be accurate and complete. You can document your verification process for all the data within my credit report by following these standards set forth under Metro 2 compliance and FCRA law. This will ensure that youre meeting deadlines while maintaining accuracy! 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

As per Randolph Brook Federal Credit Union 's records, there is an alleged outstanding balance of {$1.00} that has been reported to my XXXX XXXX 's report under the terms " Account Abuse/Charged Off ''. To resolve this matter I have mailed in a USPS money order in the amount of {$1.00} as full payment for this alleged debt.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX. Social security # XXXX XXXX XX/XX/XXXX this complaint is for all three credit bureaus TransUnion, XXXX, XXXX I have made multiple complaints about this company. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a account that opened up by OFFICE OF ATTORNEY GENERAL opened up XX/XX/XXXX under account XXXX, XXXX XXXX XXXX opened XXXX XXXX under account XXXX, XXXX XXXX XXXX opened up XX/XX/XXXX under account XXXX XXXXXXXX XXXX XXXX under account XXXX, XXXX XXXX XXXX opened XX/XX/XXXX under account XXXX, XXXX XXXX opened XX/XX/XXXX under account XXXX, XXXX XXXX opened XX/XX/XXXX under account XXXX, XXXX  XXXX opened XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraud collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed for my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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. 
I have attached a form I received from XXXX XXXX  account # XXXX that has my name incorrectly as well that need to be Removed from my credit report immediately as it is false information thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX I have reported all to the ftc and XXXX, Equifax, XXXX
Product: Mortgage

I asked specifically that I hear the calls that were supposed to be recorded when I was trying to get a modification on my mortgage. This was during the time that the government was bailing out the banks. They said that they would take care of that themselves. If any incriminating information was on the recordings, I often thought, why would the company tell on themselves? Furthermore, when I first sent in the complaint, one vice president sent me a letter and said that Wells Fargo " are unable to complete your request to share the recorded phone calls as it has been more than seven years since the last account activity. Documentation is retained for seven years ... ..such information could not be remitted to you without a subpoena from the courts. '' Then afterwards when I talked to another vice-president, she said she would hear them. She then gave me a summation of what the calls were for about two months. So I got two different responses talking to two different people. I would like a third party to be involved when listening to the tapes. I would also like to know if any of the recordings have been erased. I would have requested this long ago when I had an attorney, but I was unaware of the regulations and responsibilities that an organization like the CFPB could provide. Wells Fargo has shown a CONSISTENT PATTERN OF FRAUD, FINANCIAL ABUSE, AND EGREGIOUS CORPORATE BUSINESS DECISIONS TO TAKE ADVANTAGE OF WHOMEVER THEY COULD TO REAP PROFITS. I have been trying to get this matter handled since XXXX. When I filed complaint last year, I did not know about the lawsuit from the CFPB, I was told that something was going to be done on my behalf and nothing was! Even the CEO of Wells Fargo said after the fine was done that more money may be given for the mortgages. They do not want to pay me for the harm they have allowed me to suffer these past 13 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the companies listed below have violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B states a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Finally received a reply to my letter dated XXXX/XXXX/2020 from the debt collector. Attached is the certified letter I sent to LJ Ross requiring information under the FDCRA that I requested. They sent me only what they thought I needed and did not answer my requests. 

Therefore, this matter has not been resolved and NO solutions have been met, and places this debt still under investigation and needs to be removed from my credit report while being disputed. These debt collectors pray on people 's XXXX and who are not educated on the law and take advantage with their collection tactics. 

My next letter regarding this matter will be going to the Federal Trade Commission in Washington D.C.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2018 I disputed a account with XXXX, and Equifax, both credit bureaus responded back saying the account was verified and accurate. Well both credit bureau stated that I should contact the original creditor after they verified the account, well I am a consumer and exercised my rights by sending the original creditor a debt validation. I have a right to see information and a signed contract from the original creditor, well on XX/XX/2018 I sent a certified letter to XXXX XXXX to the address listed on my credit reports, well XXXX XXXX # XXXX received the letter on XX/XX/2018 at XXXX XXXX, I have attached a copy of the letter written by me XXXX XXXX. and I have attached a copy of the certified mail receipt. XXXX XXXX received the letter and failed and refused to respond to me. Todays date is XX/XX/2018 and they have yet to write me back or send me any documentation that is required for me to see proof that the account belongs to me, Per the FCRA any account that unverifiable needs to be remove from the consumer report asap.. I am the consumer and I have all rights to see what information they have to show that this account belongs to me,, I'm not paying no account that's unverifiable I sent the letter to the company and they refused to comply,,, XXXX  and Equifax your are placing unverifiable information/accounts on my credit file,, XXXX XXXX failed and refused to send me what I am entitle too see. this is a violation of my rights under the FCRA I have right and XXXX XXXX broke the law by not responding to me the consumer, this account needs to be removed asap from my credit file,, or a suit will be file,,, and no I'm not disputing information on my credit report I am demanding that this account be removed from my credit file for the non compliance and breaking the laws under fcra due to XXXX XXXX failing to respond to me within 30 days they have plenty of time to respond they failed. remove this account asap, I provided my address and ssn and they still failed to respond to my certified letter. This is not right that we contact the original creditor and they still fails to respond and reply,,, I will be getting a lawyer.
Product: Credit reporting

I went to the bank to make a loan and become a member, but when they pulled up my report it was showing a fraud victim/ XXXX alert ( and I 've never been in the service ). So the give me the number to Eqifax to make the dispute and take it off, the first time i called they kept putting me on hold and after all that i was told to fax my information and wait 48hours for a respond, after not getting a email i called again only to find they didnt " recieve my fax '' and was told to fax again. I asked how i was supposed to know if they got my fax and was told i had to wait the 48hours then call again ( so far that is already 6 days wasted ). three days later i call and they where able to pull up my fax only to tell me that since I 'm not through them they cant take the fraud off my credit and gave me information to XXXX other credit bureaus. I call XXXX to see if they can help me and was told they are unable to remove the fraud from my credit and was then transfered to another number who told me to file a complaint. This is crazy I 'm just trying to remove a fraud claim and for a week and a half now, have been given the run-around.
Product: Vehicle loan or lease

I was paying my car on time with Nissan financial idk what happened but I have proof of the last year making payments on time. Horrible situation all over Some late fees they pushed all my payments as late and passed 60-90 days. I was literally homeless and was still paying for this car.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported a 30 late payment on my account after the car was paid off via a insurance claim. Exeter Finance claimed that the check that arrived before my payment due date went towards principal and interest when the check paid off the entire balance before my payment was past due. Exeter acknowledged this fact, but refused to remove the late status even though the payment arrived prior to the due date for XXXX. This paid the entire principal and should not have resulted in a late payment.
Product: Credit reporting or other personal consumer reports

I have reached out to all three credit bureaus on many occasions to express the fraud alert. I have on my account as well as two request that the unauthorized unknown inquiries be removed while I am still dealing with this issue credit is also being processed with my information with the disregard to my fraud alerts that are on each of my credit bureau profiles. Trans Union has giving me the hardest time Ive reached out to them only to be told they dont remove inquiries. It doesnt matter that they are unauthorized or authorized. They do not remove inquiries is what several out there Representatives told me from Transunion. XXXX has been kind enough to understand and begin to remove inquiries that I did not authorize, XXXX I believe has removed most all of the inquiries however, there are still the several variations of my name, and which I only use my name one way my Social Security number has been listed as an account number that I dont know or recognize and they continue to allow credit checks or inquiries with my fraud alert on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus 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 an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Product: Credit card

Credit card issued by FIA Card Services for Fidelity Investments failed to uphold XXXX protection warranty against incorrect and fraudulent charges. In XXXX of 2015 a company XXXX XXXX with whom I was doing business opened a second account without my knowledge or authorization and begin sending me XXXX shipments of their products. When discovered, a call to cancel the second account was not honored by XXXX XXXX. Upon receiving yet another shipment under this mix-up I called a second time to cancel the account on XXXX/XXXX/2015. The XXXX XXXX representative gave me such a hassle in this request refusing over and over to accept a return, I decided to completely sever my ties with the company and cancelled my other account as well. Stating I should n't have to pay to return a product I did n't order, XXXX XXXX agreed to send me a return shipping label but stated it would take them up to four weeks to do so. I immediately called the Fidelity Investments card to dispute the charge. They informed me I could n't do so without returning the merchandise. Upon exampling how I 'm damaged if I have to pay to return something I did n't order, the FIA Card Services representative said wait a day and I could then dispute the charge. Instead, I notified FIA Card Services and stated I would wait the full four weeks XXXX XXXX stated it would take them to provide a return shipping label. I called FIA Card Services approximately three weeks later to notify them I was still waiting for a return label. After the four weeks had passed and no shipping label had been provided, I called FIA Card Servcies again at which time FIA Card Services informed me they decided in my favor and informed me I could dispose of the product or do whatever I wish with it. Several weeks later I then received a letter from FIA Card Services saying they opposite saying they needed proof I had returned the product. I explained to them how I had not received a label, how I had to call twice to cancel the account which I never even authorized being opened, and they themselves [ FIA Card Services ] had told me to dispose of the product because the case had been resolved. They stated the merchant claimed I received the product because I cancelled after I received the product. However this was after the second time I called to cancel and they also failed to provide a return shipping label as promised. I then stated if the merchant provides a list of the items theyshipped and return label I will return what I can. FIA Card Services response was to send me a letter dated XXXX/XXXX/2015 that the cased was closed in favor of XXXX XXXX unless I could provide proof I had returned the merchandise. The bottom line here is simple, I nor anyone else should have to pay money to resolve an issue that was the fault of someone else. I did n't order this product, I did n't authorize the account being opened, I had to call twice to close the account, and I offered twice to return the product [ second time as best as possible anyway ] yet somehow FIA Card Services feels I 'm the one who should be damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX my credit score has been decreasing a lot I was in XXXX - XXXX range and I couldnt figure out why considering I only have 1 missed payment and I closed that account, after awhile I looked at my Experian credit report and seen a personal loan took out in my name XX/XX/ for XXXX. This company is called XXXX XXXX XXXX, when looking it up you can see many others have left bad reviews on this for scam/fraud/identity theft. My credit score is now below XXXX. Please help boost my credit score where its supposed to be and remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Westlake Financial Services for failing to verify the accuracy of account XXXX on my credit report. Despite disputing this account for over six months and requesting proper validation, Westlake Financial Services has failed to provide the legally required documentation. The reporting of this account includes multiple inaccuracies, discrepancies, and violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Errors Identified Balance Reporting on a Collection Account : Error : Reporting a balance on a collection account violates the FDCPA, which prohibits misleading representations regarding debt collection. 
Violation : FDCPA 1692e False or misleading representations in connection with debt collection. 
High Balance Discrepancy : Error : The high balance reported does not align with any payment history or recognizable transactions. 
Violation : FCRA 607 ( b ) Obligation to ensure maximum possible accuracy in reporting.

Inconsistent Payment History : Error : One credit bureau reports the account as past due 30 and 60 days, while another bureau reports no late payments.

Violation : FCRA 607 ( b ) Inaccurate and inconsistent reporting damages my credit profile.

Date of Last Activity Discrepancy : Error : The date of last activity varies across different credit bureaus, indicating inaccurate reporting.

Violation : FCRA 607 ( b ) Failure to ensure consistency and accuracy in reporting.

Failure to Investigate and Validate Debt : Error : Despite multiple disputes, Westlake Financial Services has not provided the original signed agreement or itemized breakdown to validate the debt.

Violation : FCRA 611 ( a ) ( 1 ) ( A ) Failure to verify disputed information within 30 days.

FCRA 611 ( a ) ( 5 ) ( A ) Obligation to delete unverified information.

FDCPA 1692g ( b ) Failure to cease collection activities without validating the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX 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: Debt collection

JH PORTFOLIO DEBT EQUITIES , LLC et al. are continuing to report unverified, inaccurate, invalid, derogatory, and defamatory information about me. As a result, XXXX XXXX XXXX XXXX, dba, Chief Executive Officer, for JH PORTFOLIO DEBT EQUITIES , LLC, received three NOTICES OF DISPUTE AND DEMAND FOR VALIDATION and have ignored and/or otherwise have not provided validation or answer. XXXX XXXX XXXX XXXX, dba, Chief Executive Officer, and JH PORTFOLIO DEBT EQUITIES , LLC have not provided a consumer contract bearing my signature, nor has the collection agency answered any of demands in my disputes letters.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists ( Please delete the following accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I had 3 transactions that were stolen from me from a business, it turned out to be a scam. Paypal denied my claim since it was through friends/family ( which is what the seller requested I pay with. I also reported it to my bank XXXX XXXX as a fraud who also denied the claim saying it was an authorized transaction and refused to help or investigate it. 

Seller blocked me on their social media platform after payment went through. 

Dates XX/XX/22 - {$440.00} XXXX/22- {$390.00XXXX XXXX22- {$110.00} I really need this resolved and would like my money back.
Product: Credit reporting or other personal consumer reports

This is from a previous complaint, XXXX. 

They responded and stated " We completed our review, and the details of our response are below. We sold your account ending in XXXX on XX/XX/year>. '' If that's the case, which they admitted it is, they are not supposed to continue to report on this debt to the credit agencies. The sold the debt. That means it no longer belongs to them and the new Owner can report it, but they can not. 

Thank you.