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

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$650.00} XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MCM ONCE AGAIN IS COLLECTING AND REPORTING THIS FRAUDULENT ACCOUNT, AFTER CEASE AND DESIST.
Product: Debt collection

To the Consumer Financial Protection Bureau, I am reaching out to you regarding the law firm Ras Lavrar. This firm uses devious tactics to collect debt. In XXXX a judgement was entered against me when paper were served at the wrong address to the wrong person when they had my updated information. Not knowing that I was served I was not able to attend court and therefore I was not able to defend myself. They filed motions of writ of garnishment to both my employer and my bank. I woke up in XX/XX/XXXX with XXXX balance in my account. This is when I had my second lawyer work on dismissing the case and trying to settle the debt On XXXX XXXX I received an email from a lawyer that was representing me back in XXXX. He forwarded a letter, lucky for me, by which RAS LAVRAR had authorization to settle my debt for 25 % of the amount and that I had 14 days to respond. Letter was sent XX/XX/XXXX and required a response by XX/XX/XXXX. I received it XX/XX/XXXX, giving me 5 days to respond. All this during the COVID 19 crisis with the stay at home shelter, layoffs, uncertainty with the economy, financial distress, health concerns etc. 

The lawyer they send the letter to no longer represents me and they have that on file, as another lawyer was representing me in XXXX with whom they have been in communication with. As said, I tried to settle the debt back in XXXX of XXXX with my second lawyer and I received no response until this letter that was sent on XX/XX/XXXX. 

I tried to reach them on XX/XX/XXXX via the number listed on the letter, number rings as disconnected. You have to try several times to get through anyone. I sent an email to the managing partner XXXX  XXXX  on XX/XX/XXXX no response to date. I called again on XX/XX/XXXX. Call was recorded. I managed to get through an assistant who confirmed to me that now I need to have letters from both the attorneys confirming that they are no longer representing me, she then transferred me to a lawyer. My call of Thursday XX/XX/XXXX, was transferred to an XXXX XXXX and I am waiting for a return phone call. I also sent an email and waiting to get a response from them to resolve the debt. 

A few issues I would like to point out about the letter, nowhere does it say that if the lawyer is not longer on record that a letter from the lawyer must be sent to the firm. 
This tactic is for them to buy themselves time to XXXX over the client. They had another lawyer on file with whom I was trying to resolve the debt, they confirmed it on the phone yet they did not reach him. All this is in the midst of the COVID-19 Crisis and with a time sensitive deadline to respond by XX/XX/XXXX They did have my correct address on file and they did not bother sending me a copy so I would have the chance to properly respond and in a timely manner. 

They find ways to circumvent the client in order to cause judicial, financial and emotional hardship. They are really devious and this has to stop. 

Hope you van assist me with this as these companies are lethal! 

Thanking you in advance
Product: Credit reporting or other personal consumer reports

My credit score was a XXXX about to be XXXX but I got into a financial struggle in a XXXX XXXX, I disputed the unauthorized transactions to my credit reporting agency and gave them all my information, and they refused to remove the maxed out credit card on my credit account. I disputed this multiple times and they refuse to follow the law and give me my dispute. The law says if I file a dispute it means I deserve what I want because I'm the one paying for services. The credit reporting agency refuses to alter my account information that I'm disputing to get rid of the maxed out credit I lost in an XXXX XXXX There is a identity theft on my account and they still refuse to fix my credit account and tell the bank everything is right. This is fraudulent because I've done nothing put pay money for my credit account and never missed a payment and now an XXXX XXXX has put me in the hole. The credit account was in good standing and then immediately got altered. There is no reason my dispute was illegally denied.
Product: Debt collection

XXXX XXXX XXXX contacted me about a debt that was owed back in 2007 that is past the statue of limitations. I told them this and asked them to stop calling. They have called my business line at XXXX, I have the voicemail from this. They call my business line repeatedly even when told not to.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a response from Trans Union credit bureau stating XXXX XXXX XXXX which Ive had a dispute with is verified as reported. And XXXX XXXX XXXX was verified as reported. The account with XXXX XXXX XXXX account ending in XXXX. Case number XXXX. I received a letterhead from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that XXXX XXXX XXXX was requesting, the removal of their credit listing from credit reports. I will send a copy of this letterhead in the attachments XXXX XXXX XXXX XXXX account ending in XXXX. Case number XXXX. Once again informing you that I dont recognize this fraudulent account nor do, I admit any responsibility without proof of the contractual obligation. Therefore, as is my right under the fair credit reporting act, 609 ( 5 ) Im requesting that they prove they are the original due holder In the course of this debt. Im requesting the original documents where they bought this Debt. Im requesting that they show counter records that prove I open this debt up until this present time. Im requesting that they show all original documents, bearing my signature and authorization of this fraudulent Account. Im requesting your method of verification pertaining to those documents as is my right per Fair credit reporting act 611 ( 5 ) ( a ). Im informing you that youre off offense is amount to aggravated identity theft pursuant to 18.U.S.C.~1028A. You have knowingly transferred, possessed, or used, without lawful authority, A means of identification of me, which is a felony punishable with up to two years of imprisonment in addition to civil liability. Pursuant to 15.U.S.C.~1681n ( a ), Any person who knowingly and willfully obtains Information on a consumer from a consumer reporting agency under false pretenses shall be fined Under title 18, in prison for not more than two years, or both. Consumers suffer harm when consumer reporting agencies and furnishers Of information, allow fraudulent activities to persist without proper authorization from the consumer. These harms Include the invasion of consumer privacy, as well as reputational, emotional, physical, and economical harms. Ive been hindered from establishing new lines of credit and credit lines of increases because of your willful violation of my rights and the fair credit reporting act, therefore demanding that this account be blocked and deleted because they dont belong to me, and once again attaching proof of my incarceration from family and government agencies during the time this account was open, which proves it wasnt me as well as other information concerning these proofs.
Product: Mortgage

In XXXX BOA offered me an incentive under the Home Affordable foreclosure  Alternatives program that I qualified for. I was going through a very difficult divorce and had XXXX children, a full time job and no child support. This program offered me incentive money and debt forgiveness that would not be taxed by the IRS. However, BOA filed a XXXX misc. instead of a XXXX, and now the IRS is after me for nearly {$4000.00}.
Product: Credit reporting or other personal consumer reports

Another closed complaint with another ridiculous explanation by this predatory company. Different day same lame  excuse AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting, credit repair services, or other personal consumer reports

Account NameXXXX XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedXXXX XXXX -- Account NameXXXX XXXX XXXX XXXX Account XXXX Account TypeAuto Loan ResponsibilityJoint with XXXX XXXX Date OpenedXXXX StatusPaid, Closed. {$60.00} written off. 
Status UpdatedMar XXXX -- Account XXXX XXXX XXXX Account XXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$2500.00} written off. {$2500.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX  XXXX -- -- Account XXXX XXXX XXXX Account XXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXXXX StatusPaid, Closed. 
Status UpdatedApr XXXX -- Account XXXX XXXX XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX5 StatusPaid, Closed. 
Status UpdatedNov XXXX -- Account XXXX XXXX XXXX Account XXXX Account TypeUnsecured ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$500.00} written off. {$500.00} past due as of XX/XX/XXXX. 
Status UpdatedJul XXXX -- -- Account NameXXXX XXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXXXX StatusTransferred, closed. {$800.00} written off. 
Status UpdatedXXXX XXXX -- - Account NameXXXX XXXX XXXX XXXX XXXX Account XXXX Account TypeXXXX XXXX XXXXIndividual Date OpenedXXXX  StatusOpen. {$4500.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX  XXXX -- Account XXXX, XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXXXXXX StatusCollection account. 
Status UpdatedXXXX XXXXXXXX -- - Account NameXXXX XXXX  Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$950.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXXXXXX -- Account NameXXXX XXXXXXXX Account XXXX Account TypeCell Phone ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$1400.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX  XXXX ******please remove all collection accounts above not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX GROVES, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY ******please remove all inaccuracies above and incorrect data above not mine, FCRA violation
Product: Credit reporting, credit repair services, or other personal consumer reports

In mid XXXX of 2020 I received a notice from my credit monitoring service of a change in my credit report : an account I had with Wells Fargo had been closed, specifically my Wells Fargo Health Advantage account. Since I never received a notice from Wells Fargo directly, I thought something was amiss so I called Wells Fargo. I was informed that the account was closed due to inactivity. I told the representative that I had tried using it and that none of my health providers accepted it. My credit report also showed *me* closing the account, instead of the issuer taking that action. I told the agent that account closings could hurt my score and that I would have appreciated notification of the closing from Wells Fargo. I wanted the matter rectified in my credit report. Also, there might be a health provider in the future that may accept it so I wanted to keep it open. The agent said I would have to petition reinstatement of the account. On the phone said that he would do 2 things : note my concern & relay my desire to keep the account open ( ask for a reinstatement ) and also start the process of notifying the credit bureaus that the account was closed by the credit card issuer and not by me. Fast forward to today, XXXX XX/XX/2020 ... I am checking my credit report ( I do this monthly or more often ) and I find the following updated " comment '' regarding said account - " Dispute resolved ; consumer disagrees, account closed by consumer. '' Wells Fargo continues to MISREPRESENT its actions towards its customers. Apparently they learned NOTHING from their unauthorized account creation behavior and continue to act on their best interest instead of being truthful about their dealings with customers! ALL THEY HAD TO DO WAS STATE THE TRUTH - ACCOUNT CLOSED BY CREDITOR DUE TO ACCOUNT INACTIVITY. What is so hard about that?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is in violation of my HIPPA rights, as well this is invalidate debt. I have contract with XXXX XXXX XXXX XXXX. I also never authorized XXXX XXXX XXXX  to release my medical information to a 3rd party collection company. 

XXXX XXXX XXXX XXXX is reporting invalidated debt. 

Experian is as well in violation of my HIPPA rights reporting invalidated debt on my credit report.
Product: Money transfer, virtual currency, or money service

I was selling a bicycle and I had a buyer pay for it with a counterfeit cashiers check that was written out for {$4900.00}. Prior to finding out the check was counterfeit I XXXX  a shipper {$1000.00} on XX/XX/XXXX for the shipment of the bike. I assume that this shipper was also a part of the scam. I contacted usaa on XX/XX/XXXX to open a dispute claim but the claim was denied on the XXXX. The money which was initially cashed will be removed from my account and the amount which I XXXX is unable to be returned to me.
Product: Debt collection

This is a new number I just received from XXXX. the calls are not for me I have told them that but they keep calling
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt find out that my identity had been stolen until XXXX of XXXX, it was stolen in XXXX. The person was caught using my identity and is now in XXXX for numerous other crimes. 

I contacted Phoenix financial over a week ago and theyve yet to remove this fraudulent account. Please have them to remove this immediately. I also have the police report attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted from XXXX that a new inquiry was placed on my credit from Kohls yesterday XX/XX/18. I didn't even authorize it this so I called XXXX XXXX spoke to XXXX and explained what happened then she transferred me to fraud, and I spoke to XXXX who saw the attempt to open a card in my name and it was declined and he didn't know why an inquiry was done.
Product: Credit reporting

Trans Union keeps reporting over balance on my XXXX XXXX account, it was taken off and know back again, my accounts are not over drawn. My report keeps dropping, I had a XXXX, I 'm getting very upset. I also have other supporting documents. This is the second time this has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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

In my previous dispute, I requested that Experian promptly delete the below-listed account and send me an updated copy of my credit report within 30 days of your request and that they fully comply with the law in my request. Accounts Name : XXXX XXXX Account Number : XXXX. Should they have failed to make the requested deletion, I requested that they provide me with the name and address of the person ( s ) that they contacted to allegedly " verify '' the information that I have rightfully disputed. Experian did not fully comply with the law in my request. This account was charged off on the following date : XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. 
This is an update on the payment history. A charged-off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. Experian has failed to investigate this account properly after l asked four times and their neglect has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 s602, states I have the rights to privacy. 15 USC 1681 s604a s2, also states a consumer reporting agency can not furnish an account without my written consent. Under 15 USC 1666b a creditor may not treat a payment on a account under a open end consumer plan late on any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove these negative items ; XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} These are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after filing the complaint. Ive already included this in my previous Complaint # & I am including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX and my loan number is XXXX. XXXX XXXX Bank is reporting a 30-day late on my credit report. This needs to be removed. During the RESPA period with XXXX XXXX, I was never contacted or advised that my servicing was transferred to them. I continued making my payments to my previous servicer without any issue until finally one was returned to me. I have made all payments to date on my mortgage. I should not be responsible for the lack of communication from the new servicer.

I request that the 30-day late be removed from all 3 bureaus as a courtesy by XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

1. {$100000.00} was wired to my coinbase from a my wife 's bank account on XX/XX/17. Because the bank account name doesn't match my coinbase account, so the {$100000.00} was returned to her bank account. thanks for that. 
2. therefore, I wired {$50000.00} from our XXXX joint account on XX/XX/2017 to the same coinbase account, then never heard from the coinbase again. 
3. And i wired {$100000.00} from ourXX/XX/XXXX joint account on XX/XX/2017 to the same coinbase account, then never heard from the coinbase again. 
4. I sent request through the XXXX customer support 6 weeks ago with the case # XXXX, but nothing has been resolved. 
5. I put traces with both my banks two weeks ago, but your side never responded neither of the banks. 
6. It has been two and half months, no resolution to the total {$150000.00} fund. their customer service has not helped me any, and it is absolutely unfair to treat customers this way.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX XXXX was contacted by Wells Fargo customer service number reguarding account issues and descrepencies. They already had my personal info and asked for verification Info to close my card. I even recieved a customer service email regarding the call, which seemed normal. The next morning at approx XXXX MTN I noticed my entire checking and savings account had been withdrawn and I called the number in my Wells Fargo card immediatley and filed a fraud claim that these in person withdrawals were not made by, or approved by me. I even filed a police report regarding the incident. After being on the phone with multiple claims departments for hours on XX/XX/XXXX and XX/XX/XXXX I recieved almost no updates regarding my case for a week. I called them today on XX/XX/XXXX to get an update and was notified both claims had been closed and fraud was not determined as a factor in these withdrawals. I decided to submit a CFPB report as I am certain I read on this website under XXXX XXXX I am protected from fraud if someone impersonated a financial institution representative in order to get account information. I was also under the assumption that Wells Fargo would be able to access camera footage at their banking locations and find I was not the person who withdrew this money.