23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022 I requested via CFPB complaint # XXXX that Westlake Financial validated their right to collect an alleged debt that they are attempting to collect from I XXXX XXXX XXXX Instead of providing the necessary Information required pursuant to Title 15 U.S.C 1692g for I the consumer to properly validated my obligation to the alleged debt Westlake Financial sent me an account verification notice. At know point did I ask for any account verification information, I simply requested that Westlake Financial provide me with documentation to validate their right to collect any monetary payment for the alleged debt. To this current day Westlake Financial has failed to provide valid evidence that I the consumer owe them for the alleged debt. It has gotten worse because on XX/XX/2022 Westlake Financial took my vehicle from my place of residents without my consent and has reported this action as a repossession. Westlake Financial has sent me notice that they will be selling my vehicle in order to recover funds that I allegedly owe them for the debt that they have failed to validated. None of my valuable personal belongings that was in my vehicle was returned to me. Westlake Financial has claimed on numerous occasions that the federal laws governing the FDCPA does not apply to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4400.00} Status Account charged off. {$4300.00} written off. {$4400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8100.00} Status Account charged XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$38000.00} Status Open.
Product: Credit card or prepaid card

On XX/XX/2021 I started to receive a series of letters from Synchroney Bank, XXXX XXXX XXXX, XXXX, Floria XXXX. The first letter was regarding my Sam 's Club MasterCard, ending in XXXX. The letter stated, in raher short terms " After a review of your account, SynchronyBank has decided to close your account-Based on the account s is indicative of high risk of failure to pay ''. I have had this account, and many other Synchrony Bank consumer Credit Card accounts, such as Chevron, Lowes and few others whch have NEVER BEEN PAID LATE nad have never been " overlimit '', as I always pay my card balances in FULL each month! I rarely, if ever carry an open balance on any of these cards! In fact, at the time I recevied this lovely letter from Synchrony Bank I had made a few duplicate payments ( since they alleged my auto-pay didn't go through ), whcih left my Sam 's Club MasterCard with a CREDIT BALANCE, due to my over-payments in the amount of {$11000.00} ( see statement from XX/XX/2021 and others )! When I called XXXX to find out why they closed my accounts, which had CREDIT balances, the staff had no answer for me, other than " The Computer says are are now a risk, so we closed all your accounts ''. his makes no sense at all. I tried to speak with a real human, who could help, but all I got was some overseas operating reading the same inforamtion off hier computer screen. Since no one could help me, I elected to allow the closure of my account and asked for my overpayment to be refunded. Suprisiingly enough, this did occur and this zeroed out my account, and it was closed.A few motnhs later, Synchrony decided to MAGICALLY re-Open this CLOSED account and start adding charges and fees for rpoducts and services I never authorized or purchased! I CAN'T GET THEM TO STOP! They are no trying to impact my credit rating for thier poor mismanamgent of my old Sam 's Club MasterCard Account. Oh, they also cancelled all my other Sychrony linked card too, for no reason or justifiable cause! HELP!!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 

The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXXXXXX 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

I am writing to express my deep frustration and dissatisfaction with the uncooperative and non-compliant behavior exhibited by Experian in addressing a fraudulent item on my credit report. Despite repeated attempts to rectify this matter, Experian has displayed a blatant disregard for consumer laws, including Metro 2 guidelines and CFPB regulations. 

Account Information : Account Name : XXXX Account Number : XXXX Account Type : Charge Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$470.00} Balance Updated : XX/XX/XXXX Recent Payment : - Monthly Payment : - Credit Limit : {$300.00} Highest Balance : {$470.00} Terms : - On Record Until : XX/XX/XXXX Despite my repeated requests, Experian has not provided adequate documentation regarding the method of verification for the aforementioned fraudulent item. This refusal to disclose information that directly impacts my financial well-being raises serious concerns about Experian 's compliance with legal obligations and transparency standards.

Furthermore, Experian 's failure to thoroughly investigate and address this issue is a clear violation of my rights as a consumer, as well as Metro 2 guidelines and CFPB regulations. I have diligently followed all necessary steps to dispute the inaccuracies and potential fraudulent activity on my credit report. However, Experian 's reluctance to take meaningful action reflects a lack of commitment to its responsibilities under the Fair Credit Reporting Act. 

I am deeply disappointed by Experian 's behavior and demand that the Consumer Financial Protection Bureau intervene to ensure that this matter is promptly and appropriately addressed. I kindly request that you thoroughly investigate this case and take necessary actions to hold Experian accountable for their violations. 

I look forward to your prompt attention to this matter and a swift resolution to rectify the fraudulent item on my credit report. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information or clarification. 

Thank you for your immediate attention to this pressing issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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

MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX OHIO XXXX XXXX XXXX XXXX {$1200.00} Date Opened XX/XX/XXXX OHIO XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$790.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$640.00} XXXX XXXX  Bank {$420.00} Date Opened XX/XX/XXXX XXXX XXXXXXXX Bank Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX 2023
Product: Credit card

I tried to go through the XXXX  but the response did not accurately reflect what happened. I set up automatic payments at XXXX to cover the payments on a couch I financed through Synchrony for Ashleys Home Furniture. I set up automatic payments and instead Synchrony ALTERED my automatic payments to not be the amount I set up with my sales associate at Ashleys that we calculated but instead to the minimum payment. This payment changed each month to be lower and lower and NOT the standard automatic payments that I had set up with my exact amount. Then the promotional period ended and I suddenly owe more than I bought the couch for in interest within a couple months. They have a 29.99 % interest rate and its clear they change their customers payments in order to string along their payments until they can claim astronomical interest. The whole reason XXXX and many others set up automatic payments is to have a certain amount taken for a purchase. And now I read in my you set up autopay! Email that they automatically switch you to lowest minimum payments. This is predatory. Misleading. I set up a payment and they just change it because I chose autopay? And how dare they then charge me within a couple months more than I owe for the whole couch when Ive been paying every month what I thought would clearly cover it as calculated upon purchase with my associate who also verified in email. I offered to pay the amount pending before interest but I refuse to pay interest that was fraudulently achieved. They claim they send emails about statements. They do and they show a minimum payment due like all statements. But since I am enrolled in autopay I do not think they are charging me this minimum amount but the amount I set up. Nowhere does it say this is your autopay amount that will be charged!!! They also have random dates showing for due so it is very confusing when looking to read and see of this is an email for a payment from the beginning as you see it says due XX/XX/XXXX but the email is from XXXX. Incorrect dates and amounts is misleading. The most frustrating part of this is seeing that they changed my payments without any warning and then their email statements dont tell me thats the amount they will take for my auto pay so there was zero warning that this was happening and then in XXXX the interest skyrocketed and I did not notice due to being in a serious car accident. I would have never noticed it happened if I had not had to provide financials when buying a new car and meeting with attorneys and seeing the amounts being off and different each month. How many people dont notice until they owe {$50000.00} in interest for a {$2000.00} purchase?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I wrote the courts stating that I have a bankruptcy on my credit. The company responded XX/XX/2023 stating that they don't report to the credit bureau. I then sent a letter to Experian, XXXX, and XXXX on XX/XX/2023 asking for this information to be removed from my credit report. They responded XX/XX/2023. This information is incorrect. The courts dont report to the credit beau. Therefore, I would like for this information to be removed my credit report. 

Each Credit Braue Is in violation of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit card or prepaid card

I have had an account with this company with direct deposit of my paychecks for 5 years. I checked my account balance on XX/XX/XXXX and noticed a charge for {$99.00} made at a XXXX station in XXXX, FL on XX/XX/XXXX that I knew was fraudulent because it was not my purchase. I immediately called Netspend and cancelled the debit card and filed a dispute of the charge. I advised them that this purchase was not made by me. I was provided a case number and advised that it would take them 10 business days to investigate the matter. On XX/XX/XXXX I received an email from them stating that I had to submit a request in writing within 10 business days for refund of the disputed charge. I submitted the written request on XX/XX/XXXX.
The issue still has not been resolved.
Product: Credit card or prepaid card

Dear BJs, I sent the full payment amount overnight to payoff my account on XX/XX/XXXX. I tried to pay at a local BJs location but they wouldn't accept a payment. I followed the instructions on the statement and sent the payoff to the XXXX, TX location. The XXXX attempted to deliver XX/XX/XXXX but there was no access to the location. Delivery was completed on XX/XX/XXXX @ XXXX and was signed for by your employee XXXX XXXX XXXX I would like the payment to be deposited ASAP. The check that was issued by the title company, XXXX was in the amount of the balance at the time of issue ; however my credit card was on file with a few vendors and the statement balance was different. I wrote a personal check to payoff the account. Statement balance {$12000.00}, XXXX check {$11000.00}, personal check {$1100.00}. PLEASE DEPOSIT PAYMENT ASAP & remove any and ALL FEES. Sincerely, From : Comenity Bank Sent : Thursday, XX/XX/XXXX, XXXX AM ( ET ) To : You Subject : Re : Payments Message ID : XXXX I'm with Comenity Capital Bank, which handles your XXXX account. 
This card is issued by Comenity Capital Bank pursuant to a license by XXXX XXXX XXXX, and XXXX is a registered trademark of XXXX XXXX XXXX. I'm here to help with your account needs. 

Until we find the best resolution for your concern, we won't collect the amount in question or report you as delinquent to the credit reporting agencies. 

Please keep in mind that to protect your rights under the Fair Credit Billing Act, we need you to provide the dispute in writing. 

See the back of your statement for more information. We appreciate your patience. 

If you have any questions, please click the reply button. 
Sincerely, XXXX XXXX XXXX Customer Care Team PROOF OF DELIVERY BELOW : XX/XX/XXXX, XXXX pm Delivered, Front Desk/Reception/Mail Room XXXX, TX XXXX XXXX item XXXX delivered to the front desk, reception area, or mail room at XXXX pm on XX/XX/XXXX in XXXX, TX XXXX XXXX XXXX XXXX. The item was signed for by XXXX XXXX. 
________________________________________ XX/XX/XXXX, XXXX pm Delivery Attempted - No Access to Delivery Location XXXX, TX XXXX ________________________________________ XX/XX/XXXX, XXXX am Out for Delivery XXXX, TX XXXX ________________________________________ XX/XX/XXXX, XXXX am Arrived at XXXX XXXX XXXX, TX XXXX ________________________________________ XX/XX/XXXX, XXXX am Arrived at XXXX Regional Destination Facility XXXX TX DISTRIBUTION CENTER ________________________________________ XX/XX/XXXX, XXXX pm Arrived at XXXX Regional Origin Facility XXXX FL XXXX XXXX ________________________________________ XX/XX/XXXX, XXXX pm XXXX in possession of item XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries on my credit reports and the CRAs will not remove. I'm providing an Identity Theft report, as I have found out I have been a victim of identity theft. I'm requesting they be removed from my report as they are inaccurate and not mine. 

EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXXXXXX XXXX XXXX XXXX  add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, US BANK XXXX XXXXXXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I attempted to contact Trans Union to dispute and remove information that does not belong to me and is adversely affecting my financial standing. I provided the necessary details and documentation to support my claim, emphasizing that the information was inaccurate and not associated with my accounts or activities. Despite my efforts to resolve the matter promptly and in good faith, I have not received any acknowledgment or response from Trans Union, leaving the issue unresolved and continuing to impact me unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

I have consistently made sure that payments on this account are made on time, never allowing them to become overdue. I am uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX  Account 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.
Product: Debt collection

Transworld sent me to collection without following legal process for intent to dispute as I have no knowledge of this account.

the Fair Credit Reporting Act ( FCRA ) governs how consumer credit information is collected, reported, and used by credit reporting agencies and other entities. Under the FCRA, a debt collector is required to notify the debtor in writing before reporting the debt to a credit reporting agency.

Specifically, Section 623 ( a ) ( 2 ) of the FCRA states that a debt collector must provide written notice to the consumer " before the expiration of the 30-day period beginning on the date on which the debt collector acquired the debt, that unless the consumer disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. '' This notice must be provided in writing and must include information about the debt, including the amount owed, the name of the creditor, and the consumer 's right to dispute the debt. If the consumer disputes the debt in writing within the 30-day period, the debt collector must verify the debt before reporting it to a credit reporting agency.

As a result, this business failed to provide a documentation which gives me a legal rights to fight this in court for violation of my rights, and messing up my credit score. Respond to this letter to avoid further legal actions!
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018 a XXXX inquiry showed up on my credit report from Exeter Finance Group. I do not know who this is. I have never applied for any gpods or services from them and have never authorized any inquiries into my credit from them.
Product: Debt collection

I am filing this complaint today regarding the inaccurate information tarnishing my credit report. Despite my repeated requests for resolution, it appears my concerns have been overlooked, prompting this assertive communication. I am not just a statistic but a victim of identity theft, requiring immediate and decisive action. As per FCRA Section 605b, you are obligated to promptly remove or block any account listed on an identity theft report. Enclosed are the necessary documents for swift action. The accounts in question, including U S DEPT OF EDXXXX XXXX Date opened : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Date opened : XXXX XXXX XXXX Balance : {$500.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XXXX XXXX XXXX Balance : {$830.00}, XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$570.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$710.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXI ) XXXX Date opened : XXXX XXXX XXXX Balance : {$45.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$830.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Date opened : XXXX XXXX XXXX Balance : {$830.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XXXX XXXX XXXX Balance : {$400.00}, demand your immediate attention. FCRA Section 605B ( a ) mandates credit bureaus to block such information within 4 business days. Immediate and unwavering compliance is not just expected but demanded for the rectification of these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not believe this loan belongs to me. My identity has been stolen and this information must be removed from my credit file.