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

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Westlake Financial Services regarding their handling of an alleged debt associated with account number XXXX. The purpose of this complaint is to bring to your attention the company 's failure to provide adequate validation of the debt, as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have previously communicated with Westlake Financial Services, requesting a thorough validation of the alleged debt and specific evidence regarding the opening date of the account. Despite my efforts to resolve this matter amicably, the company has failed to provide the necessary information within the stipulated time frame. 

The lack of detailed validation and evidence pertaining to the opening date of the account raises serious concerns about the accuracy and legitimacy of the reported debt. I believe Westlake Financial Services is in violation of consumer protection laws, leading to potential harm to my credit and financial well-being. Moreover, I remind you of my right to closely monitor the method of verification, and I explicitly do not consent to e-Oscar or any automated means of verification. 

Furthermore, my attempts to settle the matter amicably have been met with resistance, as the company has not shown a willingness to engage in fair and transparent communication. The refusal to address these concerns in a timely and thorough manner has compelled me to escalate this matter to the Consumer Financial Protection Bureau for intervention. 

I am seeking the following remedies : A comprehensive investigation into Westlake Financial Services ' handling of the alleged debt associated with account number XXXX. 
Verification of the accuracy of the reported debt and confirmation of compliance with FDCPA and FCRA regulations. 
Enforcement of consumer protection laws to ensure fair and transparent communication between the consumer and Westlake Financial Services. 
Any necessary actions to rectify inaccuracies and mitigate the potential harm caused to my credit and financial standing. 
Enclosed with this complaint, please find copies of all relevant correspondence between myself and Westlake Financial Services, including the initial dispute letter and subsequent communication. 

I appreciate the Consumer Financial Protection Bureau 's dedication to ensuring fair and just practices within the financial industry. I trust that your intervention will lead to a prompt resolution of this matter and prevent any further violations of consumer rights. 

Thank you for your attention to this serious matter. I look forward to a timely and satisfactory resolution.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX there were XXXX changes made to my Transunion credit report. The words posted by you " the company '' in reference to the removal of derogatory accounts, " this is great news! collection accounts can do a lot of damage to your credit score. Also, once a closed account is removed the account details no longer affect my score. So how is it that as recent as today my credit score doesn't reflect what Transunion quotes on the site? My score does not reflect the updates made.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection debt was previously deleted and a year later reinstated on my credit report. I never received a reinstatement letter from any of the 3 major credit bureaus as required by law. I put in a dispute on XX/XX/2018 and still have not received a response and the item is still on my credit report.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for XXXX XXXX, and Equifax confirmed that they did receive my dispute and submitted it on XX/XX/2018, it is XX/XX/2018 and this account is showing disputed. I called yesterday XX/XX/2018 and spoke with one of the representatives and he states that it is still under investigation. I has been almost 2 months and they have not removed this account from my credit report. From my understanding a company have 30 days to respond to an investigation, but XXXX XXXX has failed to comply. I then called again to ask that this account be removed from my credit report and another rep stated that the account was not in dispute and she have to send another dispute. I asked her what was the result of my dispute from XXXX and she said she did not know.This is seriously a violation, your company gave XXXX XXXX  more that 30 days to respond and they have not. This is unfair to me because my credit score has suffered from this invalid account, that Equifax could not get the company to respond to their request for validation, but then try to sweep it under the rug.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's security breach resulted in my private, personal information being inappropriately divulged to third parties without my knowledge or consent. Information included my name, address, and may have also included my date of birth and social security number. 

As a major credit reporter of the United States of America, it is Equifax 's responsibility to ensure that my information is secure against third parties, as well as security breaches or hacks, especially when I do not have a choice to opt-out of this this credit reporting service ( and believe me, I would. None of my information is secure unless I 'm the only one who knows it XXXX. 

Equifax should be continually updating its systems and ensuring that it hires enough staff to appropriately manage all data security risks that could possibly occur, through hardware, software, social engineering and the like. It is unacceptable that this data breach occurred, and there is no equivocal reparation that could possibly be made to rectify this situation, apart from issuing me a new, uncompromised identity. 

Equifax, as well as both other companies, XXXX and XXXX, should go through rigorous audits to ensure that their data security operations are impermeable. United States citizens do not explicitly consent to or authorize the use of their information by these third party companies, and as such there should be a mechanism in place to allow either an opt-out, or consistent, thorough security testing. I 'm not sure what data storage looks like for these companies, but any and all information should be both salted and hashed on the storage side and transmitted at no less than SSL XXXX encryption. 

I take my information security very seriously and it is somewhat likely that this mistake will cause me and many others much hardship in the future. The way that my information has been handled is unacceptable and deplorable, and I will be closely monitoring the outcome of this situation to ensure that parties are held responsible and accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card

Im in the process of purchasing a home. i paid an attorney representing target by phone the other day. I need tis info to update on my credit report asap. i've attached the receipt. The attorneys office was making it seem like this would be a long drawn out process and i dont have that time
Product: Debt collection

This debt was disputed with all XXXX credit bureaus on XXXX/XXXX/2016 based on the finding " I had no knowledge of the debt ''. All XXXX bureaus updated the accounts as " verified and belonging to me '' also instructing me to contact the creditor if I needed additional information. As instructed I requested validation from Monroe which was received by them on XXXX/XXXX/2016 per certified mail receipt, the company never responded. an additional request was mailed as they received on XXXX/XXXX/2016 per certified mail receipt. As of date not only has Monroe ignored my request to verify the debt belong to me they are reporting conflicting information. Originally the account was reported to bureaus as being opened on XXXX which was then changed to XXXX. They also report to XXXX bureau as a " chargeoff '' where the other account " reports paid on time and in full every month '' but also states the status as a chargeoff with a past due amount and a payment never received. As I have been a past victim of identity theft I have demanded that this company verify the debt belongs to me with my signature as well as verify additional information required by the Fair Credit Reporting Act and they have failed to do so.As of date the company has refused to respond to me and continues to report monthly on all of my credit reports. I am demanding that this company removes the debt from all XXXX credit reports as they have failed to respond to my request as ample time and chances have been given. Their failure to comply with FDCPA regulations has harmed my credit drastically.
Product: Debt collection

I would called after several times to make payments and no answear to miss make move tours them and pay his amount when I was willing.now date I styl have problems to ask and saying Im willing to pay back.and have no one to say something to.pandemics lost to recover and no answear styl.now its under pay by other collectives and they did not answear me and wrong mis connections from them.I see do believe they were in there point end of days of XXXX meets and I dont agree they did not answear me. I styl want to right now and now problem is now now tha amount is over al I deed not waits al that money and looks I dont pay yes yes I payed most of it and now XXXX by seeing who did this amount thanks its al, Im working right now and I wil pay back and this aint my amount its to much and it dos not look like to say I have al this items to tied to this money I wil have this answear and help to give to them they are patients but I dont understand thanks for your look out and have to say something about problems right me.thanks I wil wait for and answear of help.
Product: Mortgage

my nane is XXXX XXXX XXXX i'm part of the hamp program. my lender phh mortgage services shows no record of the hamp payment to my loan this year of {$5000.00}!!!! That's called mortgage fraud!!!!!! my loan # is XXXX my phone # is XXXX please leave a message if i don't answer. i sleep most days and am up overnight. thank you
Product: Mortgage

According to the CARES Act Mortgage Servicers or Lenders were not supposed to add additional interest or fees or penalties during an approved Forbearance period. Prior to Covid-19 my loan balance was around {$100000.00} - {$100000.00}. As of today XX/XX/2021 the loan balance increased to {$110000.00}. Why is Chase Bank adding additional dollars to my balance when they were not supposed to add any additional interest, fees or penalties during Forbearance period per CARES Act?
Product: Debt collection

It is my belief and information that this child support order and demand for payment is a rush to judgment into a default judgment, and both are a violation of my constitutionally protected rights. Please validate this claim, signed by a man or woman, under penalty of perjury.
Product: Credit reporting, credit repair services, or other personal consumer reports

Concerns : EQUIFAX not participating in suppling " Free Credit Reports ''. 

On ~XX/XX/XXXX, I requested ONLINE my " Free Credit Report '' from EQUIFAX XXXX 
EQUIFAX declined my online request and stated I had to mail my request. 
ON XX/XX/XXXX, I mailed my request for a EQUIFAX free credit report to address I was given. I filled out the " Annual Credit Report Request Form '' correctly and mail it to : * Annual Credit Report Request Service XXXX XXXX XXXX XXXX, GA XXXX By XX/XX/XXXX, I still had received no response of any kind. So I called the phone number I was given, " XXXX '' and requested a EQUIFAX free credit report and answered all the questions. At the bottom of the " Request Form '', it states that " Your Request Will Be Processed Within 15 Days of Receipt and Then Mailed to You ''. 

*I still have NOT, as of XX/XX/XXXX, received any response from " EQUIFAX '' of any kind. 
There is never a problem with XXXX or XXXX ( online ) when requesting & receiving the free credit report. Every year there is a problem with EQUIFAX. I have not moved from my house in ~25 years and answer the questions for the report the same way for each company. I request a " Free Credit Report '' from each company during the year.

Why is EQUIFAX allowed NOT to abide by " Free Credit Reporting '' laws?
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B requires the deletion of any incorrect accounts from my credit report. Could you verify the documents? Some accounts are inaccurately reported, with wrong amounts and dates.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, an automatic payment for {$4.00} was processed by PayPal and should have been deducted from my established " preferred '' bank account. Instead, PayPal deducted the funds from a secondary account which incurred XXXX  transaction fees totaling {$15.00}. In previous months ( XX/XX/XXXX- XX/XX/XXXX and all of XXXX ), funds were properly deducted from the primary " preferred '' linked account. 

The linked, " preferred '' account was fully funded and could process the transaction. PayPal 's use of XXXX is not allowed to access my primary " preferred '' linked account.
Product: Bank account or service

Dear Sirs ; Madame, I would like to file a complaint against TDBank, N.A. for falsifying my credit card account summary. 

Today I am greeting you with sincerity and calm. I am a long time customer of The TDBank N.A., system. I am not a big saver, barely on the fringes and particularly at this time. Recently I inquired into my credit account which is displayed with my checking account, on the same page. It is convenient and innovative to put both account summaries on the same page so I can read what is going on simultaneously. I 've always abided by what I was reading. 

One day while trying to use my credit card, I was declined. I could n't understand why, since I make payments by the auto payments system connected to the accounts. It occurred to me that I am constantly being charged a late fee. It also occurred to me that I am always showing a zero balance due every month. I was always assuming the auto payment system had already deducted the amount posted. I was wrong, since one day when I tried to use my credit I found that I had barely paid the amount owed that month. I was alittle confused but paid the amount requested, {$2.00}. How could I have not known that I was underpaying on my credit account when the statement summary always showed XXXX balance due? Then one day I called. Here is how the conversation went. 

Hello, my name is XXXX, account # XXXX. I am on the TDBank website right now looking at my accounts, checking and credit. Could you tell me why I am looking at a zero balance due on my credit card statement when I know it is due, and while I am paying two auto payments twice monthly in the amount of {$35.00}, yet according to you I need to pay {$82.00} this month? Sure, Customer Service said, here is what is going on. Your account is not showing the true accurate amount. What? I said. I am looking at the page right now, how is it not showing me the true accurate amount owed?. Well, Customer Service said, what you are looking at, and I quote, is an assumption of what you owe. If you want to know what you actually owe and what your true account statement reads you need to log onto, and with that she proceeds to provide me a whole other website with a whole other registration. So, you mean to tell me that for all these years I 've had this account, this has not been showing me the accurate truth of my statements? Yes, she said. You will need to log onto the the website I provided. 

I do not know how much money I 've paid in late fees because I am going by what TDBank, N.A. provides as a viable true summary of my accounts and statements. I can not afford to pay a late fee, I can not afford to pay more when I was under the assumption I was paying the amount required. I would like you to go back into my credit account, look back at how long I have been paying late fees, and put back into my checking account the money that I paid in late fees while reading an inaccurate balance due because of your falsified summary of statements. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On yesterday XX/XX/XXXX I received a notification from XXXX in reference to my credit report that a collection account was added to my credit file by XXXX. Back in XX/XX/XXXX I received a letter from this company asking for a said amount owed to them in which I 've never done business with this company and I never signed a contract with them. I then in XXXX sent the company a Certified letter asking them to validate this said debt and gave them an set amount of time to reply. All I received from this company was unknown statements and nothing that I asked for in my validation letter, they failed to validate. I then sent them a letter stating that they did not validate and also they did n't send what was requested. And I no longer heard from this company. Until they reported this on my credit file causing my credit to be damaged. This company violated my rights and need to remove this collection from my credit file.
Product: Mortgage

Hi Rushmore. Thank you for the quick response to my request for information. However, you claim that you had a loan with me and now u dont. You then go on to ask me for documents that I can not possibly possess because, as I explained to you XXXXXXXX XXXX has taken affirmative conduct to block me, ignore me, and refuse to reply to me here. So you my want certain documents but again I am unable to provide do to circumstances out of my control, but I still need your assistance and am grateful for any you can spare. I have provided you with what XXXX XXXX  sent me in its last communication to me in XXXX. You are named as having or having had an interest in my home. As there is an ongoing civil suit I humbly ask you to please please please help me understand what interest you hold or held in loan XXXX. I am so grateful for any help.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : ABILITY RECOVERY SER Account Number : XXXX Date : XX/XX/2016 Amount : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts with XXXX  & Experian several times and nothing has been done. I received no correspondence or any results from the disputes I put in for the inaccurate items on credit. I have attached the letters I sent previously but there have been more. Please fix accordingly.
Product: Credit card

THERE XXXX CREDIT CARDS THAT BEEN OPEN IN IDENTY TEFT UNDER MY XXXX COMPANY AND THE CHASE CARD REPORT TO MY PERSONAL CREDIT
Product: Credit reporting or other personal consumer reports

1. No contract signed between XXXX XXXX XXXX and I. 

2. No proof of notification of alleged debts, not even letters. They claimed they sent letters but have not provided proof/copies. THEY should be required to show copies of returned mail or emails. 

3. Also, the address showing for XXXX DOES NOT BELONG TO ME. I never lived there! Mind you I have a very common name! 

So you have no proof of contract with XXXX, no proof of notification from XXXX to me, and an INVALID address but have decided to keep them on my report?
Product: Credit card or prepaid card

Synchrony bank closed my account although I never missed a payment. 
So I enrolled into a payment plan and requested several times for the collection rep. to ensure there would be no late payment reported with the new plan. Now my credit report showing two 60 day late payments. So I was told incorrect information and then to top it off Synchrony still sent in late payments to the bureaus. I made the minimum monthly payment under the plan as advised. I want to have the phone calls pulled the payment plan was made under and have the 60 days delinquency removed from my credit.