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

I contacted Equifax in reference fraudulent accounts on my credit report. I asked them to investigate these fraudulent items. I ask for proof of the fraudulent items, I want to know how the fraudulent items are verified with whom the date and how. Equifax did nit provide any of this information. The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] by Equifax. I did not have anything to do with any of the fraudulent items. and they should be removed immediately.
Product: Debt collection

After pulling my credit report I see that there is an account on my credit file from XXXX ; however, I have not had XXXX as they did not provide service in the area I lived for the last 10 years. At XXXX XXXX XXXX.
Product: Debt collection

This company is trying to collect {$31.00} for an account over 17 years old! They dont even have my last name, just mailed it to XXXX XXXX at my current address. This was for XXXX XXXX XXXX XXXX. I told the collector I hadnt had that service in over 15 years and that the statute of limitations had expired many times over. 

Now theyve mailed another for XXXX XXXX. I did have XXXX  within the last 20 years but that was 3.5 years ago and XXXX sent me a refund because Id paid my final bill before my deposit was applied. I didnt address this one with them because Im already inundated with calls from XXXX and other unidentified numbers, even though Ive had this phone number for 16 years and been on the do not call list since its inception. 

The collection company is ERC, XXXX. XXXX XXXX XXXX fl XXXX. The phone number they give is XXXX. The correspondence address they give is XXXX XXXX XXXX XXXX fl XXXX. 

My credit report shows an on time payment rate of 100 % and I dont want it damaged over {$31.00} from 17 years ago when I no longer have records to prove I did or didnt pay this bill. This company is acting outside of the law and their tactics are sketchy and corrupt.
Product: Debt collection

I requested the following from Westlake Financial and they have failed to respond in a timely manner. Below is a copy of the Letter I sent to Westlake Financial in XX/XX/year> requesting this information and they have yet to respond to this matter. 

I am writing to formally request validation of the alleged debt Westlake Financial claims I owe, as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Additionally, I demand proof of compliance with the Texas Business and Commerce Code, Chapter 9 of the Uniform Commercial Code ( UCC ), and the Internal Revenue Code ( IRC ) regarding charge-offs and issuance of Form 1099-C.

Specific Requests for Validation : 1. Proof of Ownership and Legitimacy of the Debt : o Provide documentation demonstrating your legal authority to collect this debt, including contracts or agreements bearing my signature.

2. Certified Proof of Compliance with Texas Business and Commerce Code and UCC Chapter XXXX : o Under Section 9.611, provide certified copies of all required notification letters sent to me regarding the disposition of the collateral.

o Include certified tracking numbers, mailing dates, and documentation confirming compliance with Sections 9.613, 9.614, and 9.623 of UCC Chapter 9.

3. Compliance with Internal Revenue Code ( IRC ) : o If Westlake Financial has charged off this debt, the Internal Revenue Code ( IRC 6050P ) requires the creditor to issue Form 1099-C to the debtor and the IRS for debts of {$600.00} or more that are canceled or forgiven.

o Failure to issue this form constitutes a violation of federal tax regulations. 
o Provide a copy of the 1099-C form that was sent to me, including proof of issuance and submission to the IRS.

4. Failure to Notify and Legal Implications : o If no 1099-C form was issued, your failure to notify me of the charge-off is a direct violation of IRS regulations. It also affects the accuracy of my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

o Case law supports that inaccurate reporting, failure to validate debts, and failure to comply with tax laws constitute actionable violations.

Demands : If Westlake Financial can not validate this debt and provide Certified proof of compliance with all applicable laws, I demand that it be immediately DELETED from my consumer Report.

Westlake must provide all documents of proof because I have never received any notification of the disposal of the alledged property nor has Westlake provided any documentation of any Insurance claim paid to Westlake Financial in Regards to this alledged debt nor did Westlake provide the notifications as is required in the above mentioned Texas UCC codes. I have not received any 1099c as is required by law if a company claim a item as loss via Charge-off as it is being reported on my Consumers Report and if that is not the Case it should be Deleted immediately due to " Inaccurate Reporting '' on my consumer Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle was repossessed on XX/XX/2018, two weeks after a partial payment was made and applied to the account. There was also a full payment made and pending on the account the same day the vehicle was repossessed. I never received a letter with instructions on how to how to send remaining payment, as required per state law, but the account was brought back current on XX/XX/2018, via the payment method I always use and released the same day after a very lengthy 45 minute call ( which included calling my bank to verify all of the funds submitted were not in the process of being canceled ). 

On XX/XX/2018 and XX/XX/2018, XXXX reported to all of the major credit bureaus that this account was last updated with a payment made on XX/XX/2018, the account status is Involuntary Repossession and they closed the account. The account is in fact current and the due date effective XX/XX/2018 and XX/XX/2018 is XX/XX/2018. Also, I am showing that for the entire term of the loan ALL payments have applied soley to interest only.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern i want to inform your office that you are in violation of FCRA and FDCPA. You have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. 

You are reporting the following collections as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION. THE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter
Product: Money transfer, virtual currency, or money service

Hello Respective Officer, HEre Iam writing this complaint against EQUIFAX - XXXX [ XXXX XXXX was the person who handled my Insurance file ]. 

I had XXXX Bitcoins in mine and my Husband account and they were stolen in a FRadulent way from both of our accounts, the fraudstaers claimed themselves as representatives of XXXX [ XXXX XXXX XXXX company ] and took control over our accounts and moved the digital assetts from our account to theirs! I reported this incident to the XXXX in two hours and requested to hold the transfer but it was already transferred and they couldnt hold the transfer! And since then I updated them the whole situation and how the fraudsters claimed themselves as XXXX  and cheated and stole the assetts but I was left with Rejection! 

I tried my best explaining the situation to XXXX but they rejected my REFUND .Hence I had to reach the insurance provided by XXXX [ TRUSTEDID ] for me, Identity Theft which also covers FRaudulent activities! After submitting all the, they rejected saying these are not financial assetts .I dont want to accept the reason for Rejection as this was a complete Fraudulent act which was covered under the insurace! 

THankyou and looking for justice and REFUND! 

I do have a POLICE complaint in place and email conversations and any other proofs needed! Have attatched the Police complaint and Summary of Benefits! Let me know if anything else needed! Included the email conversations with XXXX  and the screenshot of the transfers done!
Product: Credit reporting, credit repair services, or other personal consumer reports

AMERICAN HONDA FINANCE IS SHOWING LATE PAYMENTS I WAS NEVER LATE I ASKED FOR REMOVAL MULTIPLE TIMES. THERES 5 LKATE PAYMENTS BEING REPORTED THAT NEED TO BE REMOVED FROM ALL 3 BUREAUS.
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : ONLINE INFORMATION SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries to be removed : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX Balance : {$820.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$57.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion 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 update this account completely from my Credit XXXX XXXX XXXX XXXX
Product: Debt collection

I was in an accident in a rental car. I submitted a claim to my credit card company ( XXXX ). The claim was settled. A third party company has called me multiple times over the last month claiming I owe the difference between the settlement amount and the damages despite XXXX confirming that the claim was settled and I do not owe the difference. When I have confronted them, they immediately backpedal and say it was a " mistake '' and they " see a note here '' that things are settled and fine. They quote a lot of numbers and try to be confusing, claiming they are doing everything to be " fair, '' that they record the call to make sure the consumer is treated fairly. This most recent time, when I asked for the caller to spell his first and last name, he would not do so and immediately told me that this was a mistake and he saw that I did n't owe anything. They changed the story from that I owed money to a story that XXXX had not yet settled. The first time they attempted this, I refused to pay until I had written confirmation from my credit card company that the claim had not been settled, and they kept changing the nature of the debt from a " service fee '' to a settlement charge. When I was adamant, they claimed there they just now saw a " note that this has been handled. '' It was clearly an attempt to get me to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I have tried to stop Mr Cooper from listing a property that was foreclosed on XXXX years ago. Mr Cooper states that although I did not request a loan modification their system has a algorithm that will automatically request a loan modification even though I did not request XXXX. I am trying to support my XXXX children I am on full XXXX and this property has been purchased by another family.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

RE : Medical Collection Dispute Report # XXXX for XX/XX/XXXX Dear Sir/ Madam, I refer to the above Experian credit Report # XXXX for XX/XX/XXXX specifically medical collections as follows ; Please note that the above medical collections are erroneous and should not exist. During the time collection was placed I have an active California XXXX ( XXXX ) Insurance Coverage from XX/XX/XXXX to the present and I should not be receiving these medical bills. See attached Medical Status Report from XXXX XXXX County Eligibility Service dated XX/XX/XXXX, Case Number XXXX.
Product: Checking or savings account

Hi I had a checking account with Bank of America ending ( XXXX ). That account was closed by the bank in ( XXXX XXXX ) due to fraudulent activity and we were assigned a new bank account ending XXXX. In XX/XX/XXXX, we discovered an online transaction in bill pay {$1000.00} was sent to a deceased person ( died in XXXX ) used to do handy work. The money was taken from a back up account because the closed account didnt of course had any fund. How a closed account is useable and its backup account still effective. The bank didnt do close the account correctly. The bank didnt protect me. I called the bank the fraud department over 20 times and I also took off from work twice and went in person to Bank of America and no solution. I was told that they are waiting for the ( deceased ) person who cashed the check to get the check back. The check was cashed by another bank. The check was sent to a po box . So they have 2 official places to get their investigation going and closing the gaps. This is very exhausting.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain anaccurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. XXXX XXXX XXXX XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Money transfer, virtual currency, or money service

I became a victim of wire fraud on XX/XX/XXXX for {$6800.00} dollars and XX/XX/XXXX for XXXX. The wires were made without my authorization and I did not initiate them nor did I share my personal information with the fraudulent Chase employee who had all my information. I reported the fraud to chase as well as the XXXX and fbi as soon as I realized I was dealing with an imposter Chase representative on XX/XX/XXXX. At that time swift wire recalls were requested and initiated via chase secure messaging which I am told is the only way to communicate with Chase regarding wire fraud. On XX/XX/XXXX chase secure messaging informed that I need a hold harness or indemnity letter to get my funds from the respective banks they were fraudulently wired to. Secure message said to contact claims dept option 3, claims informed me they had no idea how to obtain hhl or indemnity letters and directed me to the chase branch. The assistant manager at the chase branch made many phone calls and could not get a straight answer regarding these letters that I was told I need to get my money back. She informed me that she is unable to assist me any further as she herself can not get a straight answer. I have tried every avenue to communicate with chase but have been met with disrespect and frustration from the lack of communication within there own department. I am filing this complaint as a last ditch effort to reclaim the funds that were fraudulently stolen from me in a bank account that I have trusted with my life savings. Chase needs to stand by there moto of a Commitment to Integrity, Fairness and Responsibility. This experience is traumatic both mentally and financially the bank has taken no responsibility showed no fairness and lacks integrity in the way that they treat customers just trying to get some answers during a financial emergency that they do not protect customers from.
Product: Debt collection

Direct recovery services violated FDCPA by contacting 2 relatives regarding a debt thats not on credit report. The company also left misleading voicemails and language to imply legal action. When company was contacted representative was rude, aggressive and threatening when told they violated the FDCPA act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish 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 adverse item of information, other than records of convictions of crime 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. Pursuant to 15 U.S.C. 1692 ( G ) section 809 ( B ) I humbly request your agency sends proof of validation made pursuant to the FDCPA laws, please provide the amount claimed owed, an explanation showing me how you have computed the amount. Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor, and confirmation that the account has not crossed the statue of limitations ( XXXX ) period. I would like to inform that the agency has reported invalidated account information, it will be regarded as fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency you represent, then I will be compelled to take legal steps against your agency for the reasons mentioned. Violation of the Fair Credit Reporting Act ( XXXX. ) Violation of the F.D.C.P.A. Defamation of character *Use of my copyrighted property. I will need a minimum of 14 days to investigate this information.
Product: Money transfer, virtual currency, or money service

i was denied refund for claim as they stated the bank is not in error. my online login and security questions were compromised and used to impersonate me when talking to representative on phone. the scammers initiated the transfer and then confirmed my identity with customer service to confirm transfer even though i was told i would have 10 days to contact bank for fraud but they did not help me. i went to bank to talk to banker and they helped fax in my police report to reopen case. i called today for update and they told me they " lost '' the fax documents and never reopened the case. not only is this a huge lack of protecting my security now they are lacking professionalism and lost my police report in the process of trying to reopen case.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans have lates reporting and I haven't been late since XXXX, and then I refinanced loans. I have three student loans and all the payment have been made correctly and on time. 

DPT ED/XXXX amount Owed {$530.00} it shows that I was late in XXXX and XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX. I have never been late at all DPT ED/XXXX amount Owed {$21000.00} it shows that I was late in XXXX and XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX. I have never been late at all DPT ED/XXXX Amount owed {$2000.00} it shows that I was late in XXXX and XX/XX/XXXX, XXXX, XXXX and XXXX of XXXX, XX/XX/XXXX. I have never been late at all