23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I faxed a letter to XXXX XXXX XXXX after a conference call with their service representative, and a representative from XXXX XXXX of XXXX XXXX. The letter and call were designed to explain to XXXX XXXX XXXX that during the process of paying off my loan with them, the dealership ( XXXX XXXX of XXXX XXXX XXXX made a mistake and misapplied the payoff payment to another customer 's account. This was not my error. 

*I purchased a new car in XXXX and during the same month, paid off XXXX XXXX The misapplication of the payment erroneously triggered a late payment for me, reporting for XX/XX/2020. 

After initiating disputes regarding this matter, the credit reporting agency, Experian, has inserted a late payment for XX/XX/2020, even though the the loan was paid and closed before XX/XX/2020. 

XXXX has inaccurately reported the payment history on this account. It reports late payments, with a date of first delinquency of XX/XX/2020 after the account was closed. Again, requests to have this properly investigated have failed. How can my account report late payments before the date of first delinquency of XX/XX/2020? 

I have a right to have the information updated or corrected to reflect complete and accurate information. Otherwise, the account must be deleted. Neither CRA Experian or XXXX  has complied with the law. They have not properly investigated my disputes. 

Here are the violations I am asking to be investigated against Experian and XXXX  : 1. Failure to provide me with the information used to determine the result of their investigation. They have provided me with any documents from the furnisher ( FCRA, Section 609 ) 2. Failure to properly investigate my credit file dispute ( FCRA, Section 611 ) 3. Maintaining inaccurate and incomplete information onto my credit file after investigation ( FCRA, Section 611 ) 4. Failure to consider all relevant information regarding my dispute ( FCRA, Section 611 Ignoring the treatment of inaccurate and unverifiable information ( FCRA, Section 611 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Transunion made. And Im sure that there agency didn't Report 100 % correct Information. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate Information.
Product: Debt collection

Dear Collector : I just noticed that your company is reporting the following account listed below on my credit report. 
Creditor : Account : This letter is not a refusal to pay. However, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof of how your company assessed the outstanding debt.

5. Payment history from the original creditor.

6. Name and address from the original creditor.

7. Copy of the original contract bearing my signature.

8. Chain of title on this debt.

9. Proof that you can collect this debt from me.

10.Do you own or is this debt assigned?

11.Copies of all letters sent to me from you and the original creditor regarding this debt.

12.How much did you buy the debt for?

13.When was the last date a payment was made on this debt?

14.What fees/interest was tacked onto the debt?

15.How were the fees determined? 
Thank you for your time and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/2017 I went to XXXX XXXX to look and buy a new car, and I was in the process of getting one. The salesman at that time told me that XXXX XXXX   has a bank of their own and that they would use that bank to check out my credit and give me a price. The salesman was taking so long and I decided to not take the car instead and look somewhere else. Around a couple of weeks later, I check my credit report on XXXX XXXX and see that there is six different hard inquiries on that specific day. The names are Capital one, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts sbelow : XXXX  XXXX XXXX Balance : {$230.00} XXXX XXXX  XXXX Balance : {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I hereby present the findings of my investigation. Upon careful scrutiny, I have observed that certain accounts have obtained verification. Nonetheless, I would like to raise a few inquiries with regards to the methodology employed in conducting this investigation. Were my neighbors, acquaintances, and relatives consulted during this process? If indeed such interactions occurred, kindly furnish me with the identity of the individual responsible for overseeing said investigation. Additionally, I must bring to your attention the observation I made whilst perusing the Fair Credit Reporting Act ( FCRA ). It has come to my attention that you have violated the stipulations outlined within the following sections : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, being a consumer and an individual endowed with a sound education, am cognizant of the complete gamut of rights bestowed upon me and safeguarded by the United States Congress within the purview of the Fair Credit Reporting Act ( FCRA ). In light of this knowledge, I assert that the enumerated list of accounts presented below has violated my constitutionally safeguarded consumer rights pertaining to privacy and confidentiality, as enshrined within 15 USC 1681. 


1. Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. XXXX and XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. XXXX Account Name : U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. XXXX Account Name : U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. Experian Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation
Product: Credit card or prepaid card

I applied for and received a Capital One XXXX Card on XX/XX/XXXX. I used the card to make some grocery store purchases and book a hotel within the first week of activation. On XX/XX/XXXX my card was declined at the grocery store. I logged into the app and saw my card had been locked. There was no additional information. I had to XXXX the customer service number and call Capital One. I was told they locked my account due to fraud and they needed me to upload a picture of the front and back of my driver 's license, they would text me a secure link. I tried several times and kept getting an error message, they then sent the link to my husband 's phone and he also got the error message. It finally worked and I was disconnected. When I called back, I was told they could not verify through text they would need to do so via email. I provided my email address, and then uploaded a picture of the front and back of my card as directed. Capital One called me on XX/XX/XXXX to say they needed additional information and would send another link. On XX/XX/XXXX I uploaded the front and back of my license, my social security card and proof of address as requested. I received a call from Capital One on XX/XX/XXXX asking to call back with my card number as they were ready to unlock the card. When I called back they told me that no one called, they had my documents they had not been approved. It takes 7-10 business days so call back on XX/XX/XXXX if it was not unlocked. I called back on XX/XX/XXXX and was told it takes up to 10 business days call back on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Capital One letting me know my card had been locked. I called again on XX/XX/XXXX and was told my card was still locked for fraud and it would be another 14 business days. I asked to speak with a supervisor. When connected with a supervisor I was told that they could not verify what I had uploaded and I would need to upload again. It will be another 10 business days. I asked what charges were suspected of fraud and was not told as they said they cold not verify my identity. I expressed I was extremely dissatisfied with their customer service.
Product: Debt collection

My credit file is not accurate This account is not mine i demand that it be deleted according to FCRA law 15 usc 1681
Product: Debt collection

Transworld Systems Incorporated managed to infiltrate my place of employment and garnish wages from my pay. Transworld Systems Inc. sent my previous employer and Administrative Wage Garnishment document that stated that they had the authority to garnish wages from my pay. My employer allowed the garnishment to go through due to this form. I reached out to the Department of Treasury several times and was told that they did not have an account for garnishment for me nor had Transworld Systems been hired by them to collect a debt. The Department of Treasury and federal law states that collectors still have to abide by federal and state laws etc. I reside in the state of Texas. I reached out to the state representative and the attorney general 's office and was informed that it was unconstitutional to garnish for anything other than child support and spousal support in the state of Texas. As a result of this action, even more negative and counterproductive events took place at my place of employment. Federal law states that collectors have to abide by the state laws and do not have the authority to submit an Administrative wage garnishment if hired by the federal agency separately. I was also not afforded the opportunity to dispute the amount or the debt and when I called Transworld Systems they would not provide me with a hearing packet. I was also told that hearing requests are on a case by case basis on administrative wage garnishments. Federal law states that hearing requests packets must be sent to the debtor 's last known address for administrative wage garnishments. Transworld Systems had knowledge of my current address. I had no way around disputing or defending myself against the debt. This event contributed to the resignation of my employment. 
They are attempting to collect the debt for the XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX that they suspect I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put me and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX here, and I'm complaining about some false information I saw on my credit report. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. The following is a list of the bogus items I discovered on my Credit report that need to be deleted right away : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$3500.00} XXXX XXXXXXXX XXXX Balance {$460.00} XXXX XXXXXXXX XXXX XXXX {$420.00XXXX XXXX XXXX XXXX XXXX Balance {$170.00} XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$52000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$85000.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$640.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 30 days past due on XXXX partial account numbers ****XXXX. ( Please see page 15 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Debt collection

I recently noticed a negative account on my transunion credit report. I notified the company in writing that this debt is from years ago and a company I may have worked for. I did request they provide ALL records and signed documents for the entire account to verify what they are attempting to collect and reporting to the credit bureau. This is not my debt and also beyond the statute of limitations in the state of Texas in which I live. TEXAS statute of limitations is 4 years. This collection agency is in DIRECT violation of the FCRA. 
I have spoken to Transunion by phone and was told this would be reported to the company electronically and that they would be notified of this FCRA violation and remove the account immediately. 
I have taken every action to notify them and am treated poorly and ignored. I am complaining now in hopes the CFPB can get this company ( see attached proof of harassment by mail, and also attempting to collect a debt illegally on my credit ) to promptly delete this illegal account from my credit report with XXXX. 
Please contact me if there is any other item I can provide to get this taken care of at once. The FCRA violation of my rights is hindering my credit and capability to proceed with financial decisions I am presently involved in.
Product: Debt collection

I have received several voicemail recordings from XXXX XXXX XXXX ( XXXX ). Latest one was today XX/XX/XXXX at XXXX EST. They claim that I have an unpaid loan and need a statement from me or my lawyer. I have spoken to them in the past and informed them I do n't have any outstanding debt, and to send me a letter via mail with any statements. They have yet to do that. I asked them to stop the harassing phone calls, and that has not stop either.
Product: Debt collection

Original creditor XXXX XXXXXXXX XXXX ... {$5500.00} amount. I have called to dispute several times
Product: Debt collection

This firm calls my office phone almost daily and leaves messages stating that they are with " legal prevention services '' and that I or my attorney must return their call by end of business day to prevent further action. They have also contact my mother at her home and mobile phone. I did call them back and asked them to not contact my mother again which to my knowledge they have not. I also asked them to reference what debt this is related to. They provided information over the phone but have yet to send anything in the mail as I requested. This sounds like an old debt that is beyond 5 years and I 'm not sure of the status.
Product: Student loan

I took approximately {$50000.00} in a combination of Federal and private student loans from XX/XX/XXXX to XX/XX/XXXX for XXXX separate stints in school. These were consolidated by XXXX XXXX and transferred to the XXXX. The XXXX transferred the loans to Trans World Systems. Since the transfer to Trans World the balance has ballooned to over {$92000.00} and no settlement will be considered. Upon contacting Trans World I receive lie after lie and misinformation after misinformation. I was originally told that the loan would be available for negotiation and settlement in 90 days, then told that it would be 6 months. Upon calling them today I was told that there was no negotiation and that they were shopping for someone else to buy the loan and they they had no idea if they would be open to a settlement. Exactly the opposite of what they said both 6 months and 90 days ago. No one could provide an APR or repayment terms. Trans World Systems is nothing but a band of liars and cheats who use unfair and illegal collection practices to dupe the unknowing into trusting their word.
Product: Checking or savings account

Regions Bank has refused to properly investigate my fraud dispute, despite clear evidence of coercion and financial deception. 

Regions Case : XXXX XXXX FTC Case : XXXX FTC Case : XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX  XXXX I was a victim of fraud in which I was coerced into sending my funds through XXXX  under false pretenses. This was not an investment lossit was financial fraud. XXXX.com now holds my stolen funds and refuses to return them, despite being fully aware of the fraudulent nature of the transactions. 

Regions previously reversed transactions from XXXX in other cases, proving they have the ability to act. However, they are now refusing to reopen my case, citing a document from XXXX as their justification. This contradicts their past actions and shows a failure to conduct a proper investigation. 

Key Issues with Regions Handling of My Case : XXXX ignored my documented evidence of fraud and coercion. 
XXXX failed to conduct a proper investigation and instead relied solely on XXXX 's response. 
XXXX refused to escalate the dispute or acknowledge their past ability to reverse funds. 
-They are unfairly shifting the burden onto me instead of protecting a fraud victim. 

Under the Electronic Fund Transfer Act ( XXXX ), I have the right to a fair investigation of my fraud claim. Regions Bank has failed to uphold this obligation. By refusing to investigate properly, they are enabling a merchant to hold stolen funds and obstructing my ability to recover them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. XXXX and TransUnion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Mortgage

XXXX XXXX XXXX has certified figures as correct & true to the NJ courts, while helping secure a Final Judgment. However it is clear they used CREATIVE Accounting and used made up figures and wrong dates. This Foreclosure complaint is wrong from the start to the present & new recent evidence leads us to strongly believe that fraud has also been committed to secure a Final Judgment. 
XXXX XXXX XXXX XXXX for XXXX XXXX is the substitute Plaintiff on this Foreclosure with wrong figures from the beginning. It was started wrongly by XXXX XXXX XXXX and attorney Pluese, Becker & Saltzman with a negative escrow balance In breach of the modification contract. They were told by us many times that there was an error but they refused to listen. We now have the proof and its in front of the court on n a Motion to Vacate FJ.