23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a copy of the email sent to Westlake Portfolio Management. It includes all of the details relevant to this complaint : I trust this message finds you well. I am writing to bring to your attention a discrepancy regarding the outstanding balance on my US Auto Sales account with your agency. 

Enclosed in this email, you will find comprehensive documentation supporting my claim. The provided evidence outlines all payments made directly to US Auto Sales and Westlake Portfolio Management, including payments from XXXX XXXX XXXX and XXXX, my XXXX insurance provider. 

Payments were made through various channels, such as XXXX, XXXX, and my daughters bank accounts, all contributing to a total of {$24000.00}. Remarkably, this amount far exceeds the original purchase price of the vehicle, which was {$22000.00}. As a result, I am due a refund. 

To solidify my case, I have sworn an affidavit outlining the details of the situation, including the accident, insurance settlements, and the overpayment incurred within the one-year period I had ownership of this vehicle. 




AFFIDAVIT I, XXXX XXXX, hereby swear under oath that the following facts are true and accurate : XXXX. In XX/XX/XXXX, I purchased and financed a vehicle with US Auto Sales. 

XXXX. In XX/XX/XXXX, I was in a car accident that totaled the vehicle. 

XXXX. I was not at fault in the accident. 

XXXX. Prior to the accident, I have records showing that I made a total of {$5600.00} in car note payments. 

XXXX. XXXX, the at-fault partys insurance company, accepted liability and sent US Auto Sales a check for {$11000.00} towards the payoff amount of the vehicle. 

XXXX. XXXX XXXX XXXX paid Westlake Portfolio Management a total of {$7300.00}. 

XXXX. The total payments that have been made towards the vehicle in question are {$24000.00}. 

XXXX. The vehicle was purchased for {$22000.00}. 

XXXX. I only had the vehicle for one year, thus an overpayment was made, and I am due a refund of approximately {$1300.00}. 

XXXX. You have 10 days to process my refund and to remove this negative trade line from my credit report at all three major credit reporting agencies, or face consequences to the fullest extent of the law, which will include violations of the Federal Debt Collections Practices Act and the Fair Credit Reporting Act. 

I, the above-stated party, swear that the facts stated in this affidavit are true and correct on this the fifth day of XX/XX/XXXX. 


I kindly request your prompt attention to this matter, urging you to process my refund within the next 10 days. Failure to address this issue may lead to legal consequences, including potential violations of the Federal Debt Collections Practices Act and the Fair Credit Reporting Act. 

I appreciate your immediate response and look forward to the swift resolution of this matter. 

Sincerely, XXXX XXXX ( XXXX ) XXXX And then attached to the above email were PDF copies of bank statements ( proving the total amount of car note payments made ) and a copy of the insurance check XXXX paid to US AUTO SALES. 

Nevertheless, despite all of the proof I sent to Westlake, they are STILL trying to collect this INVALID debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would love these inquiries deleted
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation and Permanent Removal of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute the inclusion of a XXXX XXXX account on my credit report, as I have never held such an account. According to the Fair Credit Reporting Act ( FCRA ), all information on a consumer 's credit report must be accurate, complete, and verifiable. However, the reporting of this account on my credit report is inaccurate for the following reasons : Charge-Off and Tax Write-Off Status : The XXXX account in question is listed as " charged off '' and " written off '' on my credit report. When a creditor charges off and writes off an account, they typically seek and obtain a tax deduction for the amount written off. According to the IRS, the creditor must issue a Form 1099-C to the debtor, treating the written-off amount as income to the debtor for tax purposes. 
If XXXX has written off this debt, it indicates that they have claimed the corresponding tax benefit. It is therefore contradictory and inaccurate for XXXX to continue reporting that I owe them money. A creditor can not simultaneously claim a tax write-off for a debt and report the same debt as owed by the consumer. 

Violation of FCRA Standards : The continued reporting of this account in this manner renders my credit report inaccurate, in violation of my rights under the FCRA. Specifically : Section 607 ( b ) of the FCRA mandates that consumer reporting agencies maintain maximum possible accuracy of the information in their records. 
Section 611 ( a ) provides me the right to dispute inaccurate information and requires the credit bureau to conduct a reasonable investigation and correct or delete information found to be inaccurate or unverifiable. 
I have attached a copy of my credit report, highlighting the inaccuracies related to the XXXX account. Additionally, XXXX has failed to provide me with a Form 1099-C, further evidencing the inconsistency and inaccuracy of their reporting. 

For these reasons, I respectfully request the following : Conduct an immediate investigation into this matter, as required under Section 611 of the FCRA. 
Permanently remove and delete all references to the XXXX account from my credit report. 
Provide me with a written confirmation of the actions taken regarding this dispute. 
Please complete your investigation and provide a response
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the ongoing issue regarding the removal of charge-off accounts from my credit report. I understand that rectifying such matters can be complex, but the repeated failure to address this issue is deeply concerning. The presence of inaccurate charge-off accounts on my credit report not only misrepresents my financial history but also undermines my creditworthiness and ability to access financial opportunities. 

I urge you to escalate this matter internally and allocate the necessary resources to expedite the removal of these inaccurate charge-off accounts from my credit report. Additionally, I request a thorough review of your company 's procedures to prevent similar inaccuracies from occurring in the future. I expect regular updates on the progress made towards resolving this matter and a commitment to transparent communication throughout the process. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX {$440.00}
Product: Debt collection

The XXXX at XXXX XXXX has committed acts of fraud and extortion against me. The XXXX at XXXX XXXX informed me that a payment of {$1800.00} was due on XX/XX/2017. When I refused to pay the XXXX at XXXX XXXX {$1800.00}, the XXXX at XXXX XXXX received permission from a judge to evict me. I was evicted by the constable on XX/XX/2017. I am not sure if the constable or the judge knew that I was being charged {$1800.00} when I agreed to pay the XXXX at XXXX XXXX {$940.00} a month. After I was evicted, National Credit Systems put a debt of {$4300.00} on my credit report. The XXXX at XXXX XXXX kept my {$400.00} deposit. I am now in debt {$5000.00} because I refused to pay the XXXX at XXXX XXXX {$1800.00} for the month of XX/XX/2017. The XXXX at XXXX XXXX also charged me fees because the apartment was in bad shape. I would like to see pictures to substantiate this claim. 

I attempted to pay National Credit Systems {$2100.00} to resolve this debt. National Credit systems refused to accept a payment of {$300.00} over the phone after I informed them that the last {$300.00} payment would not be paid form my savings account.
Product: Vehicle loan or lease

XX/XX/XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by WFBNA in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing Closed, 90 days late opened XX/XX/XXXX. 
I challenge the accuracy, compliance and reportability of this listing. Please validate this information with WFBNA and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I opened a savings account with Credit Karma but eventually decided to liquidate and close it months ago. Yesterday they pulled {$1200.00} out of my account without warning or authorization from me put it into a new savings and spend account ( their version of a checking account with a debit card I didnt ask for and dont want ). I tried to intercept the {$250.00} and pull it back and I dont think it worked. Im still waiting on the {$1000.00} to come into their account to try to intercept but its still pending on their end even though its not in my personal checking account anymore. As I was sitting on hold with credit karma all these weird amounts were taken out of my account to different peoples XXXX XXXXXXXX ( screenshot attached ). I initiated none of this. Someone has access to my account and theyre sitting there waiting and watching and controlling all of it so its not traceable. Ive disputed it with my bank but they cant do anything right now because theyre pending charges. I chatted, called and emailed Credit Karma to see what they could do and they basically said they cant do anything either even though its all coming through their app into their accounts I didnt authorize or consent to having that was still somehow attached to my bank account and then being pulled out by random XXXX XXXX  accounts in random amounts. Theres something fraudulent happening through their app with these accounts and theyre refusing to help or do anything. Theres no protections or features they offer to prevent something like this but unfortunately theres no way for you to know that until it happens. Its unethical at best and illegal at worst what theyre doing and how unhelpful and apathetic they are for their app being a vehicle for theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another complaint to my list of complaints on the Credit Reporting Agencies, and their negligence in validating and correction Consumer Credit Reports. 
XXXX, debt collector, is listed on my credit report, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX, phone number listed ( XXXX ) XXXX. The credit report shows that the account number XXXX is closed, and XXXX as the amount. It says, " account transferred to another office '', there is no original creditor listed. It also reflects that, " student loan assigned to government ''. The account is incomplete and inaccurate. 
This account is damaging my credit worthiness, due to the defamation of character. What is the PERMISSIBLE PURPOSE ( 15 USC 1681b ) ) for XXXX  to be listed on my consumer credit report? Did XXXX extend credit? Is there a two-signature contract? 
I demand that Experian validate the alleged debt. 
I am demand proof of clam for this alleged debt from XXXX.
Product: Credit card

American Express has threatened through an American Express XXXX XXXX XXXX XXXX to place my account in collections. I am writing to request that my account remain out of collections until XX/XX/XXXX. I expect to make an appropriate payment by that specific date.The current payment due date is XX/XX/XXXX. I was threatened in advance by XXXX XXXX, a XXXX XXXX XXXX XXXX XXXX XXXX, in reference to interference involving my American Express credit card account. XXXX XXXX claimed that his father worked as a physician and caused severe injury when I was a baby. I have reason to believe his claim is at least partially true. I do not recognize that the father of XXXX XXXX earned any medical degree. XXXX XXXX claimed there was an insurance policy where I was awarded a {$500000.00} payment, yet I could not accept the payment because of my age at the time. XXXX XXXX laughed at me claiming his father illegally cashed the {$500000.00} check meant for me, and his family lived off of the money. XXXX XXXX communicated that he would allow American Express to pay for the {$500000.00} debt through various forms of illegal influence and bias. While all dispute and fraud claims I have made to American Express are true, I was often harassed by American Express when communicating in reference to disputes. More recently, I understand that programming language was used to close my American Express account. I discussed using programming language with XXXX XXXX for the purpose of communicating with American Express customers. XXXX XXXX communicated that he sold my ideas to American Express. I do not recognize that I could have made any statement to keep my American Express account open, since the programming language disallows keeping my account open. I communicated to American Express that there was threatened tampering in reference to available checking account funds for payment. I believe checking account funds should have been available for payment the day my American Express account was closed. I am a XXXX person according to Social Security since XXXX. My XXXX is associated with injuries that others have caused me. I have experienced regular stalking, harassment, threats, carried out threats, drugging without consent, and various forms of physical injury caused by others. I am having severe difficulty maintaining the pace of American Express demands, particularly since numerous individuals are flipping drug filled liquid drops on me in public. I believe that American Express has caused me difficulty in an attempt to prevent me from receiving loan funding to attend a graduate university. My actual net worth should easily exceed XXXX XXXX dollars based on the value of copyrights I should own for original music lyrics that were illegally copyrighted. Instead, I am in debt. Please allow me a XXXX time accommodation until XX/XX/XXXX per the Americans with XXXX XXXX to prevent my American Express account from being sent to collections. I have received 150 % and 200 % XXXX time accommodations from a graduate university in recent years.
Product: Credit card or prepaid card

I found a promotion online for a Chase card for XXXX bonus points with Southwest Airlines, so I applied and was approved. I was to spend {$3000.00} in the first three months in order to receive the bonus. I did that and paid all my statement balances right away. I saw that I did not have the XXXX points applied so I called and spoke to Chase where I was told that I would have the bonus points applied. Several weeks later, the points were still not applied so I called Chase back. Today I found out that the request was submitted for the points, but the bank would not honor it since their promotion ended in XXXX, after I had been approved for the card in XXXX ( the timeline that I was just told by Chase ), with the promotion being offered. 
So after meeting the requirements, I have been denied the promotion that I applied under and will no longer use this bank under any circumstances, barring life-and-death scenarios where might I need to use their credit.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : Equifax failed to properly restrict access to consumer information.

1681e : Equifax failed to implement adequate procedures to ensure consumer file accuracy and security.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. 


6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) umer data and not adequately notifying affected consumers. 
XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this mmatter.