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

I am writing to formally request your assistance in resolving a dispute I have with Westlake Financial Services regarding the inaccurate reporting of a charge-off account on my credit report. I believe that the reporting of this charge-off is in violation of the Truth in Lending Act ( 15 U.S.C. 1601 ) and should be corrected immediately.

As per 15 U.S.C. 1601, creditors are required to provide accurate and fair disclosure of the terms of consumer credit transactions. The reporting of a charge-off on my credit report has not only adversely affected my credit score but also reflects inaccurate and misleading information about my credit history. I believe that the reporting of this charge-off is not in compliance with the fair and accurate reporting standards mandated by the Truth in Lending Act. 

I have made several attempts to resolve this matter directly with Westlake Financial Services, but I have not received a satisfactory resolution. Therefore, I am requesting the CFPBs intervention to ensure that the inaccurate charge-off is removed from my credit report and that my rights under the Truth in Lending Act are upheld. 

Please find attached copies of relevant documents, including my correspondence with Westlake Financial Services, credit reports showing the charge-off, and any other supporting evidence. I kindly request that the CFPB review this matter and take the necessary steps to have this incorrect information removed from my credit report. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and collection or financial company by the name of XXXX XXXX XXXX XXXX XXXX have been reporting inaccurate information on my credit report. The account number is : XXXX I have written the company XXXX XXXX XXXX XXXX XXXX with a debt validation letter and they responded back after a cease and desist. They never sent the legally required document that suffices a debt or a debt validated. They have multiple consumer violations within their letter and letterhead. I would like the account removed and compensated no less than {$100.00} and not more than {$1000.00} per violation. 
The certified mail tracking number is : XXXX All supporting documents will be included.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday,  XXXX   XXXX ,    2017  I sent by certified mail a  XXXX  letter to equifax. On Tuesday,  XXXX   XXXX ,  2017  according to th e USPS tracki ng information it was received. Today is Tuesday,  XXXX   XXXX ,    2017  and according to my  XXXX   XXXX  report there was a collection by the name of  XXXX   XXXX   XXXX  that was removed and added back again to my report. I have not received any type of letter, phone call, or email from either the collection agency or equifax stating that this item on my credit report would be removed or added. If the research I have done is correct, it states that once an item is removed they have to send you a letter giving a 5 day notice stating that they are added something back onto your report and if not it has to be deleted because thats illegal and in violation of the FCRA. Ive reached out to equifax and was told there is nothing they can do.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and express my concern regarding an inaccurate credit report filed by USAA, which has had a detrimental impact on my XXXX XXXX. My purpose in reaching out to you is to request assistance in rectifying this situation and ensuring that my consumer rights are upheld. 
I recently obtained a copy of my credit report and was dismayed to discover that USAA had reported a XXXX late payment on my account for the month of XXXX. I wish to assert that this information is entirely inaccurate and does not reflect my payment history with USAA. 
In XXXX, I made my regular monthly payment of {$330.00} to USAA on the XXXX, which was well within the due date. Additionally, I mistakenly made an extra payment of {$330.00} on the XXXX of XXXX. This accidental payment was not intended as I had already paid my monthly obligation. Therefore, not only was I not 30 days late, but I actually made an extra payment that month. 
I believe that USAA 's reporting of a XXXX late payment on my account is in violation of the Fair Credit Reporting Act ( FCRA ), which stipulates that credit reporting agencies and creditors must provide accurate and verifiable information to consumers ' credit reports. In this case, the information provided by USAA is demonstrably false and does not accurately represent my credit history. 
Furthermore, I wish to emphasize that under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and have it corrected promptly. I have attempted to resolve this issue with USAA directly by disputing the inaccurate information with them, but they have not taken appropriate action to correct their error. 
I kindly request that you intervene on my behalf and investigate this matter thoroughly. I believe that USAA should be held accountable for their inaccurate reporting, and the XXXX late payment entry should be removed from my credit report immediately to restore the accuracy of my credit history. 
Please find attached copies of relevant documents, including proof of my XXXX payments to USAA, to support my dispute. I appreciate your prompt attention to this matter and look forward to a swift resolution that upholds my consumer rights and restores the accuracy of my credit report. 
Thank you for your assistance in this matter. Please do not hesitate to contact me if you require any further information or clarification
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX {$1600.00} XXXX XXXX {$940.00} Same company Two separate accounts. These accounts have been charged off as a bad debt which is now considered income for me that is required that I file on my taxes according to the IRS and the FCRA income should not be reported on my consumer report. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate.Duty : a moral or legal obligation ; a responsibilityAccurate : correct in all details ; exact.Prohibition : a law or regulation forbidding something. As Defined by The IRS. Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 says a furnisher of information to a consumer reporting agency is PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS 2021 publication. SEND ME MY FORM 1099-C that you should have sent when you Filled the account as a canceled debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed of some negative information on my report. I am aware that consumer reporting agencies have assumed a vital role and have a grave responsibility to protect my right to privacy. I am challenging the accuracy and compliance. I challenge the consumer reporting agency to documentation along with my signature. The failure to provide documentation is a violation of the FCRA and it is considered identity theft for the use of any information without the consent or written instruction of the consumer. The following accounts should be removed immediately without proof of documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I also have an identity theft report for the inquiries that should be removed. The following : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX I will seek remedy for any negligent and willful noncompliance.
Product: Mortgage

In XX/XX/year>, I requested removal of the PMI charge from my monthly mortgage payment for my FHA loan. The value of my property has increased substantially. Based on the new market value and appraised value I now meet the 20 % requirement and requested early discharge of the PMI. In response, the mortgage company alleged I had a record of late payments. However, that response is not reflected on my monthly statements nor has any late payment been reported to the 3 major credit reporting companies. 


Nationstar Mortgage d/b/a Mr Cooper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified the following items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTs? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed... XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Vehicle loan or lease

Wells Fargo Bank after my last complaint sent a letter borderline threatening that I should accept there XXXX as done. I am out so much money over this and they took my truck without a XXXX letter required by XXXX XXXXXXXX and never contacted me at all until they claimed they sold the truck which turns out to be a lie as they only sold my loan to a nother bank I was forced to file bankruptcy and was without a very much needed truck to get to XXXX and XXXX  visits my XXXX  is in XXXX XXXX. 
I live in XXXX at the time they did this. When wells fargo makes a promisse to make things right they said nothing about XXXX cents on the dollar. Thats about where it stands with out a penny of interest. Maybe I sold take a attorneys offer to sue? Even paying him it looks as though no less than XXXX. Plus he has sued you all before. Up to you.
Product: Credit reporting or other personal consumer reports

The current addresses on my credit report are incorrect, please upload to this address " only '' : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct ASAP.
Product: Credit reporting or other personal consumer reports

RE : XXXX Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : XXXX is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

- LENDMARK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : XXXX DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive and XXXX never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : XXXX has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so XXXX doesnt even know if these accounts are accurate, but yet XXXX reported this inaccurate information. Also XXXX reported that I owe a debt, of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive. 
15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates I never gave XXXX any written consent to report anything on my consumer report no consent is identity theft if the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support XXXX reporting the above mentioned accounts and inquiries. If XXXX is unable to provide proof, PLEASE DELETE above accounts and attached inquiries.
Product: Debt collection

XXXX XXXX XXXX contracted with Pacific Credit Services to collect from me several unpaid bills for services rendered in XXXX through XXXX. When contacted by phone and asked to settle the debts owed, payment was not an option due to financial hardship. 

Unknown to me until recently, Pacific Credit Services assessed monthly compounded interest to each of the XXXX accounts. The XXXX accounts are currently listed with the three major credit bureaus and updated monthly to reflect the increased balances caused by the calculated interest charges. 

In XX/XX/XXXX, I contacted the accounting department of XXXX XXXX XXXX. I learned XXXX ' accounting policy is not to assess interest charges to unpaid accounts. 

" Debt collectors may collect interest, fees, charges, or other expenses to your debt only if they are expressly authorized by the agreement creating the debt or are otherwise permitted by law. If you ask, the debt collector must tell you how much it is charging you and why. '' In early XXXX, I spoke with a Pacific Credit Services supervisor. When I asked why interest is assessed to the XXXX accounts when the original creditor does not, I did not receive a clear answer. Over the following months, I settled two of the XXXX accounts, at which time PCS  waived the interest charge on those accounts. However, the waiving of those interest charges does not grant the right to add interest. 

In a letter dated XX/XX/XXXX, I requested Pacific Credit Services explain why interest charges are routinely added to the XXXX Ambulance accounts? I informed Pacific Credit Services that XXXX XXXX XXXX does not consider interest charges on unpaid accounts. 

As of this writing, I have not received a response from Pacific Credit Services.
Product: Debt collection

After pulling my credit file and seeing this companies last response to my last CFPB complaint not only are they harassing me but they are reporting the wrong date on my credit file. This account was not open in XXXX. The last activity on it was XXXX when it defaulted. I have uploaded proof they lied on my credit file as well. They need to correct the date when the account was open and it is past the status of limitations as well so they need to remove it. I will be seeing them not o ly for harassing me but for lying and reporting the wrong info.
Product: Credit reporting or other personal consumer reports

Payments were reported late from XX/XX/year>- XX/XX/year>. However, payments were made on these accounts during these dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent 3 letters to Experian asking for information about accounts on my credit report Im not familiar with. I asked Experian to kindly please advise me as to the correct name and current address of the creditors, the name of the account holder, and the reported date of first delinquency for these accounts as any account I might have had at one time would be obsolete. I also asked Experian If they can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. My request was completely ignored, and Experian showed no regard for my concerns by just sending me a generic response to my request claiming the accounts were verified. They also disregarded my request to correct and remove addresses other than current. I also asked to remove notice that my home address is a non-residential address. Check attached Experian response sent to me on XX/XX/2018 file number XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability apply for Job opportunities to take care of my family. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below since you ignored my request and refuse to properly verify defaming accounts on my credit file. Show me the contracts and method of verification or delete these accounts immediately. Please also remove your fraud alert from my credit file. I did not ask for one. Creditor : XXXX Account Number : XXXX Creditor : XXXX/XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I called the collections facility to inquire about the debt, I spoke to someone by the name of XXXX XXXX, I needed to update incorrect information and ascertain knowledge as it pertained to the debt because there is things within the debt owed that is very questionable i.e. the amount and date reported and who the debt was acquired by, also to assure it had been updated to reflect the correct date of debt and also to advise this debt acquired is questionable. Upon hello I was being baited into a arguement, then after being verbally abused, I asked to speak with a manager and I was advised the manager does not speak with XXXX @, This establishment lacks professionalism and I am very concerned about this agency having my personal and confidential information. To no avail I am no further in realms of resolution than I was intially. However, to be verbally abused when trying to ascertain information that is on file with a company as it pertains to my name is totally obsurd. I tried to contact this establishment several times, however when they see my number they hang up immediately. I require assistance as to how to proceed with this mom and pop shop. Any assistance that you can provide would be greatly appreciated.
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has citied technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit card

I believe the account is invalid. Bank of America account needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 
BofA - XXXX