23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the accounts listed below are still reporting on Equifax in violation of Federal Law. Equifax failed to comply with 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. 

( XXXX XXXX, XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CARD XXXX )
Product: Debt collection

We want Select portfolio to know that we keep our promise. As of XXXX XXXX XXXX we have filed tax evasion complaints against you with the following agencies : Florida Department of revenue, DOJ, IRS, Florida Attorney General, Inspector General.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has a credit card account opened on my credit report that is fraudulent that I would like removed immediately. 
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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1682 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 furnishings a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax are required to authenticate the account under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

There was a debt of {$4000.00} continuing to reappear on my credit report. 
I informed Experian that my identity had been stolen and comprised and they did nothing to prevent false reports to my credit profile. 
There was a {$600.00} collection debt that had been posted by a company I've never heard of. Also there has been numerous companies posting collection debts that have no verification. I've contacted experian numerous times to ask them about the information posted to my credit report and they do not check the credibility nor validity of the reports at all. This was told to me directly from one of their agents.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 XXXX payment {$200.00} XX/XX/2020 XXXX payment {$500.00} I went through XXXX since it was asked of myself and my bank had ties with them. After finding this vacation property to be fraud they demanded {$600.00} more from me and I would then get my refund. My bank told me since I authorized the payment they were not accountable and they shortly after overdrew my account by {$400.00} and they dropped me for being high risk of fraud. I was never able to get anyone to help me nor did I know about XXXX. There should not be a time limit on someone stealing from u and a person not knowing how to handle what has happened with no legal willing advice.
Product: Payday loan, title loan, personal loan, or advance loan

I called Wilshire Consumer to pick up my vehicle due to a domestic incident with my estranged husband who had my vehicle towed for illegal parking. They do business with Westlake financial. I tried to refinance the loan with them to assist me with retrieving the vehicle but they denied me, but offered to pick the vehicle up for me. It took them so long for Westlake to get my vehicle that the towing company where it was located had made attempts to auction my vehicle. Once Westlake got my vehicle I had to pay almost {$2000.00} to get it out of their possession. They vehicle paint was damaged and undrivable because they had took my vehicle out of my name and put it in the name of Wilshire and they refused to send me any paperwork to register my vehicle. I am the sole owner of my vehicle and I have in my possession the title. The vehicle is no longer operational.
Product: Mortgage

This is about a 2nd home loan mortgage from First Republic Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX. The Loan was Funded XX/XX/XXXX. The loan number is XXXX. The loan document has a second home rider attached to it. The address of the property is XXXX XXXX XXXX XXXX XXXX, NV XXXX. On the second home rider item 6 Occupancy is in question. The home has bee rented out for short term rental since XXXX up to and including XXXX. XXXX. The home has been permitted to rent by XXXX XXXX Nevada and advertised in XXXX since XXXX. Item 8 Borrower 's  loan application is in question.
Product: Debt collection

Aldous and Associates ( collection agency ) in Utah contacted me via phone and email about a health club membership debt in XXXX. The health club was XXXX XXXX XXXX XXXX XXXX XXXX. I say 'WAS '' because XXXX was absorbed by a different club -- Planet Fitness -- and no longer exists as of XX/XX/XXXX. I explained to Aldous and Associates, verbally and in writing, that I prepay my annual club dues every XXXX and am a member in good standing with my local club. I also explained that the debt was the result of the XXXX computer attempting to charge my credit card which expired XXXX years ago. XXXX was thereby accumulating a penalty unnecessarily. I had been a XXXX member since XXXX. The amount shown by the agency -- {$170.00} -- is that figure and not my membership. On XX/XX/XXXX I contacted Aldous and Associates about the club 's acquisition by XXXX XXXX. They were unaware of the acquisition. I felt this information would end the issue, but I received an email from Aldous and Associates on XX/XX/XXXX, still attempting to collect an " outstanding balance '' of {$170.00} on behalf of XXXX I phoned Aldous and Associates yesterday, XX/XX/XXXX, and confirmed that they understood XXXX no longer exists and that my club membership is paid in full ( they had received my certified letter on XX/XX/XXXX detailing my situation, and it is in my computer file at Aldous ). They ignored my reasoning and continue to demand I pay them {$170.00}.
Product: Debt collection

American Express Collections department repeatedly calls my sister 's cell phone who is not in any way associated with the account. She did not co-sign and I have not lived with her in 25 years.
Product: Credit card or prepaid card

On XX/XX/2017 I rented a car in XX/XX/XXXX, XX/XX/XXXX.

When I went to charge gas, they charged with a different fuel ( diesel instead of regular gas ). It was in XX/XX/XXXX, there was a language barrier.

The car stop working a few miles after I left the gas station in the middle of a freeway, it was night time.

The police towed me off the freeway, the car rental took the car in a truck, and my family and I were left in the middle of who knows where in a gas station in the south of XX/XX/XXXX. I called the credit card, they said they will send help, but a truck came took the car and say bye. We took a taxi to a hotel and the next morning as I needed to return to car that day just after the inconvenience, as they already had the car we continue with our vacation trip. They charge me XX/XX/XXXXFrancs {$1200.00} extra in the car rental. When I submitted a claim to my credit card, not until a year later they told me that was not covered, only body work. Is that true? If the car stop working for charging the wrong fuel and left me in the middle of nowhere, am I on my own? To note is that it wasn't intentional, I just ask to fill the tank and I was charge the wrong fuel. I di n't know this until the car rental told me.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Open : XXXX XXXX, XXXX Balance : XXXX XXXXXXXX Charge Off XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : XXXX  XXXX Late/ Closed XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXX Late/ Closed XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Account # XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXXXXXX Collection XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : XXXX XXXXXXXX Collection Inquiries included in dispute : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Late/Open Accounts NOT Included in Dispute : XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$270.00} Late/Open XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$60.00} Late/Open XXXX XXXXXXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$330.00} - Late/ Open XXXX  XXXX Account # XXXX Date Open : XXXX XXXX, XXXX Balance : {$150.00} - Late/ Open XXXX XXXX XXXX  Account # XXXX Date Open : XX/XX/XXXX Balance : {$280.00} - Late/ Open XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXXXXXX Late/ Open
Product: Vehicle loan or lease

On XX/XX/XXXX, My loan was sold to Westlake Portfolio Management from XXXX XXXX XXXX. I contacted Westlake Portfolio Management today XX/XX/XXXX, to settle the debt. My loan started XX/XX/XXXX, purchasing a XXXX XXXX XXXX XXXX for {$15000.00}. I offered Westlake Portfolio Management {$5500.00} to pay of the loan due to me leaving XX/XX/XXXX to join the XXXX XXXX. I was advised by Westlake Portfolio Management they are unable to settle the debt based on their provisions. However, they were unable to send me an agreement that state they could not settle the debt. I also never signed an agreement with Westlake Portfolio Management. To date, I have paid {$26000.00} towards the loan. I do not think the offer is inappropriate being as though the additional money given was {$10000.00}. I also asked for Westlake Portfolio Management and XXXX XXXX XXXX contract agreement with all payments. After everything was transferred my amount increased and not sure if any additional fees or interest were added.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my Credit Reports that need to investigate. Therefore, Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the Inquiry that needs to be removed completely from my Credit Report : XXXX XXXXDate of Inquiry XX/XX/2020
Product: Debt or credit management

I signed up for Debt Consolidation, and they said the money was in a bank. When the payment gets reduced, they will negotiate. Well, after some time, I said I canceled their service, and generally, they said whenever I decided I did not want to continue, they would give me my money back that's in the bank. I contacted them numerous times. They said they never stated that, but they did. I never received XXXX XXXXXXXX. Please help there, crooks.
Product: Debt collection

Spring Oaks Capital has been calling me frequently since XXXX 2024, asking me to make a payment for a debt. However, I do not have any accounts with this company. I have repeatedly requested that they provide evidence of the alleged account, but they have been reluctant or unwilling to do so. 
The calls started in XX/XX/year>2024 and have continued regularly since then. They state the debt is around XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my credit profile and identified items that I have disputed. I have notified the companies that I was opting out and notified them that my privacy has been violated. The accounts below I am demanding be deleted because I have notified the companies that I am opting out of any of the below accounts being reported also I didn't give any of the companies written permission to furnish any of the below data. 
XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX My privacy has been violated. Accounts being report has violated the Privacy Act of 1974. I also have sent each company a notice to opt out. The federal law 15 USC 6802 ( b ) Opt out In General A financial instituition may not disclose non public personal information to a nonaffilated third party unless- I never gave any consent for any of my personal information to be shared.
Product: Checking or savings account

On XXXX I called Wells Fargo as they did not call me back within the XXXX hours as promised. I got to an executive where I clearly explained to him I will be following up with the CFPB about this issue. I was promptly hung up on. I have not received an email or a phone call back.
Product: Credit reporting

TRANSUNION IS REPORTING A CLOSED ACCOUNT I HAVE WITH XXXX XXXX XXXX XXXX XXXX FOR A CHARGED AMOUNT OF {$15000.00} AS DELINQUENT AND OPEN. XXXX XXXX AND MYSELF HAVE COME TO AN AGREEMENT TO SHOW THIS ACCOUNT AS CLOSED AND PAID IN FULL ONCE THEY REPORTED THIS ON A XXXX REPORT AS ADDITIONAL INCOME WITH THE IRS WHICH I WAS MADE TO PAY TAXES ON. XXXX AND XXXX HAVE REACHED OUT TO XXXX XXXX DIRECTLY AND HAVE UPDATED THE INFORMATION THEY ARE REPORTING.I NEED TRANSUNION TO SHOW THIS ACCOUNT AS CLOSED AND PAID IN FULL- NOT AS DELINQUENT AND OPEN.
Product: Debt collection

IC Systems has violated my consumer rights by continuing to furnish data to the consumer reporting agencies regarding an alleged debt as if they are the original creditor. They are violating federal law USC 1692e. They are falsely reporting information to the credit bureaus for an alleged debt not owed to ic systems.ic systems placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. I demand this debt to be removed from their system and from the credit bureaus systems immediately. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 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 or other personal consumer reports

XXXX, Experian, XXXX say the information is corrct and was updated by the reorting intentity but failed to provider me with how this information was properly verified the collection is fron XXXX XXXX and associates
Product: Money transfer, virtual currency, or money service

Referencing my previous CFPB complaint # XXXX. On XX/XX/2020, we were defrauded of {$79000.00} via a wire transfer through a Wells Fargo bank account. This complaint has not been resolved with Well Fargo and reports have been filed with the FBI regarding this transaction. 
We recently received email communications from the same fraudulent source that initiated the fraudulent wire transfer on XX/XX/XXXX requesting further funds to be wire transferred to them through another Wells Fargo account. It appears that after the efforts made by me and my bank ( XXXX  ) to work with Wells Fargo and advise Wells Fargo that their procedures and system for opening and administering bank accounts is weak and is empowering criminals to use them for fraudulent activities, Wells Fargo has done nothing to improve their policies and procedures in this regard. I would strongly suggest that the XXXX who regulates Wells Fargo take away their ability to do wire transfers until this problem is corrected. 

Note below, the email and attachment received from " XXXX XXXX '' from " XXXX '' requesting funds to be sent to Wells Fargo account. The actual person is someone from Top Sign Service. How and why can he set up a Wells Fargo account? Why does Wells Fargo allow wire transfers to go through unchecked?
Product: Credit reporting or other personal consumer reports

I sent dispute letters to Experian on XX/XX/XXXX. That is the day XXXX accepted my tracked package. It arrived at the XXXX XXXX XXXX on XX/XX/XXXX. It was picked up/Delivered on the same day. Today is the XXXX of XXXX. Therefore it has been 51 days since XXXX accepted my package, and 48 days since it was delivered to Experian. I did not received any notification that they received it or any correspondences of the investigation being executed. I have filed a dispute previously and get notified when they receive it as well as when decisions are made. The law is clear. If they do not properly investigate my case within 30 to 45 days, they have to remove the disputed items. I have copies of the shipping label, the tracking and the information sent. I have lost all faith in Experian as they have claimed in the past to properly investigate my situation. However I do not believe they have. They have never sent the proper documentation I have requested, proving proof that the items investigated were valid.
Product: Credit reporting or other personal consumer reports

Please deelete th misleading items, .. i attached the letters, my id, and proof of address, and the FTC REPORT. These items are misleading, not mine.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to address the lack of response to my previous notice, dated XX/XX/year>, regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXXXXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX XXXXXXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify Experian, XXXX, and XXXX to delete this information from my credit report immediately. The account in question is detailed as follows : XXXX XXXX XXXX XXXX As per IRS regulations XXXX a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations.

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the CreditoXXXX XXXX XXXX XXXX accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Debt collection

I have been a victim of identity theft. I have tried, on numerous occasions, to contact ProCollect, Inc. about this alleged debt they say I owe in the amount of {$1000.00}. I have asked them to provide proof ( an original signature, proof that they own the debt and that they have a legal right to collect in the state of Mississippi, etc. ) As of to date, no one has responded within the 30-day timeframe. This is a violation of my rights per the FCRA and FDCPA.