23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Date : XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Debt To Whom It May Concern, I am writing regarding a debt that your company claims I owe. The account number associated with this alleged debt is XXXX. I am disputing the validity of this debt and request that you verify it as required by the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting the following information : 1. Verification of the debt : Please provide documentation that proves I am responsible for the debt, including the original creditors name and details of the original account.

2. Proof of the amount owed : Please provide an itemized statement of the total amount you claim I owe, including any interest, fees, or charges.

3. Proof of your authority to collect : Please provide documentation showing you are authorized to collect this debt. 

Until this debt has been properly validated, I request that you cease all collection efforts and stop reporting this debt to any credit reporting agencies. 

Please note that I am exercising my rights under the FDCPA, and I expect a response within 30 days of your receipt of this letter. Any failure to provide adequate verification of this debt will be considered a violation of federal law. 

Thank you for your prompt attention to this matter. I look forward to your written response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the XXXX XXXX XXXX in an effort to verify that the information being reported on my credit report was accurate back in XX/XX/XXXX. I have sent several letters asking for proof ( with my signature ) that the amounts they are requesting be verified. They have sent letters back and included an e signature on a promissory note. They garnished my income tax last year and this year. This years garnishment was done in XX/XX/XXXX which totaled {$6900.00} I just pulled my credit reports on XX/XX/XXXX and they are still showing that the balance that I owe DOES NOT reflect that anything was paid towards the balance. In other words prior to XX/XX/XXXX my balance that they said I owed them was {$12000.00} and upon pulling my credit report on XX/XX/XXXX the balance still shows that I owe them {$12000.00} which is incorrect. As of today XX/XX/XXXX I logged into my debt summary for the XXXX XXXX XXXX and it shows that I only have a total of {$6200.00} in student loan debt. This inaccuracy on my credit report is causing a drastic problem with my scores and I need them to report accurately and remove this debt totally from my report!
Product: Debt collection

I am not liable for this debt of {$4800.00} with XXXX XXXX XXXX account number XXXX. I do not have a contract with XXXX XXXX XXXX. This company did not provide me with the original contract that stated I have a contract with XXXX XXXX XXXX along with my wet signature and id verification. The contract provided is inaccurate and has been rescinded. This company is illegally impersonating themselves as an auto loan installment on my credit report but they are an official debt collection agency. Which is in fact a violation to my rights under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Westlake Portfolio Management has reported late payments that are negatively affecting my credit reports which is a violation as well.

In accordance with the Fair Credit Reporting Act this creditor has violated my right 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose
Product: Debt collection

On XX/XX/XXXX I contacted Capital One regarding my charged-off account, specifically related to account number ending in XXXX. I informed them that I wished for all communication to cease, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). Despite this request, I was told that I must agree to their terms before they could comply with my request to cease and desist communication. 

This statement by Capital One is in violation of federal law, as the FDCPA clearly allows a consumer to request that a debt collector cease communication without the need to " agree to terms '' beforehand. 

Additionally, despite my request for them to stop all communications, Capital One has continued to report this account to the Credit Reporting Agencies ( CRAs ), which I believe constitutes further harassment and an extension of their communication with me. 

Details of the Violation : Cease and Desist Request : I made a formal request for Capital One to cease all communication, as allowed by the FDCPA. However, Capital One informed me that I would have to agree to their terms before they could apply my cease and desist request. This requirement is not consistent with the FDCPA. 
Credit Reporting : Despite my cease and desist request, Capital One has continued to report the charged-off account to the Credit Reporting Agencies ( CRAs ), further constituting a violation of my rights under the FDCPA as the reporting is a form of communication. 
Violation of FDCPA : Capital Ones actions are a direct violation of 15 U.S. Code 1692c ( c ), which entitles me to request the cessation of all communication, including reporting of the account to CRAs.
Product: Credit reporting or other personal consumer reports

Within 15 days from now, I will be updating my credit reports once more. Let just repeat that per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. And I also attached the files that I include in my complaint dated XX/XX/XXXX. This was my 16th complaint and a follow up notice that I need these items below REMOVED within the given 15 days timeframe. Please see the items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax for its willful violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( c ), concerning the removal of adverse information resulting from my status as a XXXX XXXX XXXX Despite my submission of valid documentation and multiple attempts to have this harmful information removed from my credit report, Equifax has refused to comply with its clear legal obligation. As stipulated by the FCRA XXXX ( c ) ( XXXX ), no consumer reporting agency XXXX furnish any adverse information regarding a consumer if it is the result of XXXX XXXX XXXX XXXX XXXX  I have met every legal requirement necessary under this statute, including providing documentation as required by law under XXXX ( c ) ( XXXX ). The law is unambiguous : once a consumer provides such documentation, the XXXX XXXX XXXX must remove the adverse information. This has been affirmed in XXXX XXXX Equifax Information Services, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, which emphasizes that non-compliance with XXXX ( c ) constitutes a direct violation of the FCRA and subjects the reporting agency to legal consequences for damages under XXXX and XXXX of the FCRA for willful or negligent non-compliance. Equifax refusal to act is not only a violation of federal law but also a blatant disregard of my rights as a XXXX. This continued reporting of inaccurate and harmful information has caused substantial damage to my creditworthiness, in clear violation of the FCRA and its protections for survivors of XXXX XXXX. As a survivor, I should not continue to suffer the consequences of adverse information directly linked to the XXXX I endured. I am demanding immediate corrective action to remove this adverse information from my credit report and to ensure that Equifax complies fully with the FCRA XXXX ( c ). Failure to do so will result in further legal action, as Equifax ongoing non-compliance constitutes willful negligence and opens the door for legal remedies, including statutory damages, actual damages, and attorney 's fees under the FCRA. Please provide confirmation of action and resolution on this matter promptly, as I expect this serious violation to be addressed without delay.
Product: Bank account or service

I deposited a check into my BBVACompass account on XXXX/XXXX/16 in order to ensure that there were enough funds in the account to cover all outstanding charges. the check was in the amount of {$20.00} and was processed and paid by XXXX XXXX XXXX bank on the same day. BBVACompass put a 3 day hold on the check even though it had already been paid by XXXX. The end result was that BBVACompass charged an NSF fee of {$38.00} when in actually there should have been sufficient funds in the account.
Product: Checking or savings account

I was charged {$680.00} to transfer money from my Ally Invest account to my Ally Savings account for no reason.
Product: Vehicle loan or lease

My principal payment only wasn't applied or reversed until XX/XX/2021, the payment was taken out of my account XX/XX/2021. I get charged a daily interest on the daily principal balance of the loan. XXXX  is now reporting a incorrect balance on the loan than what Bridgcrest is showing on my statement. A difference of over {$400.00} more than what is actually owed on the loan as of today. I have included a snap shot of both.
Product: Credit reporting or other personal consumer reports

I've noticed around XXXX XXXX that my XXXX credit report was reporting duplicate charges of my student loans. For example, each subsidized & unsubsidized loan I've received was on their website twice. So, for example, me owing XXXX it shows XXXX. I went on the student aid website along with my direct loaners ' website. The information is inaccurate. I should be around XXXX with my student loans. I'm not sure if this is some type of glitch with XXXX as I just had to place a credit freeze with all 3 bureaus due to fraud concerns around end of XX/XX/XXXX. On XXXX XXXX XXXX it shows the amount that corresponds with my loaner 's website & the other credit bureaus.
Product: Checking or savings account

My name is XXXX XXXX and i am an international student, I deposited a check in chase bank for my XXXX fee for my XXXX and the bank has kept my funds on hold as they are not able to verify the check maker from their end but the check maker has called them numerous times and notified that he didnt any call for verification and thus resulting me to face the issue as my funds are not released even after the verification from check maker.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, Subject : Dispute of Inaccurate Reporting of Late Payments Account # XXXX XXXX XXXXXXXX I am writing to formally dispute the inaccurate reporting of late payment on my credit report concerning the account referenced above ( # XXXX XXXX XXXXXXXX ). Upon thorough review, I have identified discrepancies in the reporting, which I believe may constitute a violation of the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S. Code 1681.

The reported late payment on the aforementioned account are inconsistent with my payment history. To the best of my knowledge and based on my records, I have consistently made timely payments in accordance with the terms of our agreement.

In accordance with 15 U.S Code 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 U.S Code 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

Reference to PAANL ( Paid as Agreed Never Late ) The terms of our agreement have always been adhered to, and the accounts in question should reflect a status of Paid as Agreed Never Late based on the timely payments made. It is imperative that my credit report accurately represents my financial and commitment to meeting payment obligations.

I hereby request that you provide documented proof supporting the claim of late payments on these accounts. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late, in the absence of valid proof, I expect the credit reporting to be rectified promptly.

If, after a thorough investigation you are unable to provide verifiable proof of late payments, I demand that the accounts be promptly updated to reflects its accurate status as Paid as Agreed Never Late. Per the FCRA, I request that you conduct a timely investigation and provide a written response 30 days from the receipt of this dispute letter. Failure to adhere to this timeline will be considered a violation of the FCRA.

I appreciate your immediate attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is essential in ensuring the accuracy and fairness of my credit report. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the companies listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. I have Contacted each creditor individually and all have stated the proper documentation & request has been sent to your bureau to have this inquiry removed. I ask that it be removed immediately from my credit file.
Product: Checking or savings account

The bank has admitted to sharing my new personal banking information with previous vendors and has sent me this in writing. 

The bank has admitted to acting as my personal accountant by authorizing payments without my content calling it an authorized recurring payment. 

I would like the bank to provide me the authorizing document from me allowing them to approve any recurring payment. 

Further, the bank refuses to end this practice and tells me in order for the authorizing recurring payments to be unable to go through the vendor needs to be informed. ( the vendor was told but does not care because they keep getting the stolen information from the bank directly with their fraudulent relationship ) I want to know when and at which point the vendor had received control over my account to make such claims. 

I would like to know who authorized the bank to process any annual payments without my consent and to share the new security code and expiration date information without my consent. 

The bank has confirmed that their processes and procedures where followed which begs the question why are these procedures not illegal and why is the bank not being charged with fraud and selling customer banking information to the highest bidder
Product: Credit card

Continued security issues caused by inappropriate policy promoting identity theft within the company. ( First reported XXXX/XXXX/15 ; problem still exists ). On XXXX XXXX, 2015 I called Sears Mastercard because XXXX my card had been declined by Sears even though the account is in good standing. The CSR asked for my " personal password '' and even though I know this is illegal & I addressed this issue back on XXXX XXXX, 2015, I went ahead & complied with the request. I was then advised by the CSR the password I gave was incorrect ( it was not incorrect ) & that I should be giving the name of my first pet. Immediately, I realized Sears had not done anything to address my complaint dated XXXX XXXX, 2015 as they were still practicing a policy which jeopardizes the security of their customers accounts by asking inappropriately for a personal password when what they really want to know is the " Secret Question '' answer. The CSR 's are not asking the questions appropriately. I advised the CSR of this & was told this is the script they are told to go by. Yes, this happened in XXXX 2015 as well. I advised the CSR to please mark the account that I am officially complaining for the second time this year about their policy, because now I complied with their request to reveal my password only to be told that it was not what they wanted to know. What that means is a ) I now have to change my password ; b ) they never fixed the problem ; c ) they are promoting identity theft ; d ) they are not securing my account, but instead are jeopardizing it ; and, e ) Sears is proving it can not be trusted to protect the accounts of its customers. Since this has happened before, this has to be taken seriously, because their Customer Service department is not listening or taking initiative to solve the problem. Therefore, I am taking serious action. If this issue is not resolved I will take this to the media and advocate a large scale investigation of this banking institution for potential fraud against it 's customers. It is very clear to me that Sears does not take security seriously. They might as well stop trying to say that they do, because they are not doing anything to help the situation. As it turns out my account should never have been flagged for potential fraud. They were only harassing me. Ultimately, I am glad it happened, because it allowed me the opportunity to catch them in the act of just how under-protective of my account they are. I can not believe they would ask for a password knowing that a Customer can actually give them the password trusting them to handle the situation appropriately. Then when you give them the password, they reveal they did n't want the password ; they wanted the secret question. Again, this is XXXX totally different things. Unacceptable. Seven months has passed since this was first reported. Nothing has changed.
Product: Credit reporting or other personal consumer reports

I am writing this request to CB/XXXX that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number XXXX.
Product: Debt collection

I paid off my XXXX XXXX card i full then they started to collect interest on money i didn't owe which is negatively affecting my credit score
Product: Checking or savings account

I recently discovered that {$20000.00} in monies left to me by my late grandmother were wrongfully kept by Wells Fargo without my permission. After my grandmother passed away, she bequeathed certain funds to me. Rather than advise me of this bequeath from my grandmother, Wells Fargo secretly opened an account in my name, without my permission or knowledge. Wells Fargo illegally kept this account open for at least one year before advising me of the existence of the account. To date, Wells Fargo has failed to advise me of which transactions or trades were made ( if any ), the opening balance of the account, whether any funds were transferred or diverted to other accounts, why such transfers ( if any ) were made, and an explanation as to why the account was kept in my name for a year without Wells Fargo attempting to advise me of same. Additionally, Wells Fargo is legally required to mail me monthly account statements and never sent a single one in a year. I am lawfully entitled to this information. 

Also, I do not have an account number from the secret/illegal Wells Fargo account because I was never advised of the Wells Fargo account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint with the CFPB regarding a vast amount of inaccurate information being furnished onto my credit report : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX No acct number ) ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Equifax has stated in writing to you, the CFPB, and to myself, that they have " verified '' the disputed information as accurate. I have many reasons to believe that this is not true! For instance, XXXX example would be, how did Equifax " verify '' XXXX XXXX XXXXXXXX as accurate, when there is no account number reporting?? How are they verifying other items with missing information? Why does other credit reporting agencies report different information for these same items? Who's right and who isn't? If the information is correct, why is it inconsistent?? And lastly, my consumer right to privacy being violated was never addressed. Another example, how did XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX obtain my personal nonpublic information to be able to share it with a third party such as Equifax, to furnish onto my credit report??! Where and how did they gain access to my social security number and other personal details?? The disputed information needs to be removed immediately! You, the CFPB are the supervising body that is to hold the credit reporting agencies and others accountable for not following the law!
Product: Mortgage

Lakeview Loan Servicing , LLC ( a.k.a XXXX ) is intentionally holding " extra '' monthly mortgage principal payment and deceptively crediting this " extra '' monthly mortgage principal payment one month later even though Lakeview Loan Servicing ( a.k.a XXXX ) receives this customer payment as one-full payment for a specific month. Lakeview Loan Servicing , LLC ( a.k.a XXXX ) is profiting from this activity because it is intentionally charging additional interest to all of its customers. Lakeview Loan Servicing , LLC ( a.k.a. XXXX ) is violating federal mortgage servicing rules ( i.e. the Mortgage Servicing Rules under the Truth in Lending Act - 12 CFR Part 1026 - Regulation Z ).