23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, I have an  XXXX  and my account is updated and fully funded.   XXXX   is provided via   XXXX   XXXX   XXXX   website. During my travel from   XXXX   to  XXXX  via  XXXX , a single toll detector might have failed to detect my displayed   XXXX   in the windshield. Then I received a traffic violation ticket from with the   XXXX   XXXX   XXXX   (  XXXX  ) to {$58.00} for a {$9.00} toll fee.   XXXX   gave me the opportunity to explain the violation, which I did in a timely fashion. I explained to  XXXX  that as I drove from   XXXX   to  XXXX  and back while stopping at a number of tolls, so to have only one toll violation directly points to a faulty detector and not my lack of willingness to pay the single toll at that station.
Next, I receive a threatening letter from Transworld Systems inc, threatening me to pay a {$58.00}, without knowing where or who it is or even providing any specific explanation. I am not sure what entity Transworld Systems Inc is, a branch of   XXXX   or the muscle to collect for  XXXX . Moreover, it is unclear where is it located? This is the address that appears : Transworld Systems Inc.   XXXX   XXXX   XXXX  ,  XXXX , OH  XXXX .
However, there is yet another address that appears on the collection letter :   XXXX   XXXX   XXXX    XXXX , DE  XXXX .
Please investigate, thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





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
Product: Debt collection

National Recovery XXXX is attempting to collect a XXXX  invoice that I was never given, nor aware of. It is not my debt. The letter has Account # XXXX for the amount of {$6100.00} for XXXX. 
I was never given an invoice, nor aware of this debt. 
I have medical insurance and assistance.
Product: Money transfer, virtual currency, or money service

I have been unable to access my Dave account for well over a year now. When I try to login I get a page pop-up that states Your account has been placed on hold for your security As we investigate, please refer to your email for additional information. yet Ive never received a follow up email and when Ive reached out to Dave I dont get a response. My account has my personal information in there and I should be aloud to login. Ive asked them to fix the issue and they ignore me. Ive never done anything fraudulent to cause this and they refuse to tell me why my account is in a security freeze.
Product: Debt collection

I obtained my credit report from all three bureaus at the end ofXX/XX/XXXX. I updated and removed any information that was inaccurate on my report. I sent two certified letters to AFNI collections agency on XX/XX/XXXX asking them to validate the debt they are reporting on my credit file. I asked for original signature and the contractual obligation that connects me to this debt. The debt amount is {$980.00}.
Product: Credit reporting or other personal consumer reports

I respectfully request further clarification regarding the process used to verify this account. Specifically : Payment status and payment history Date last active Date last reported Date opened Verification Details : Please provide documentation and evidence used to verify the account, including the name of the creditor ( XXXX ), account numbers ( partially redacted if necessary ), and any supporting records. 
Compliance with FCRA : Kindly confirm that the verification process fully complies with the Fair Credit Reporting Act ( FCRA ) and outline the specific steps taken to investigate my dispute. 
As you may know, under Section 1681n of the FCRA, you may be liable for damages of up to {$1000.00} per account if it is determined that inaccurate or unverified information is reported negligently or willfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed a fraudulent credit card opened under my name with coastal credit opened end in XXXX with a balance of XXXX $ this is fraudulent and I need it removed
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a Chase British Airways card and was approved. I used the card over the next month and charged about {$5500.00} on a {$7000.00} credit line. I paid {$3400.00} toward my balance within 20 days of having the card, to earn British Airways travel miles. On XX/XX/XXXX, I applied for a Chase AARP card and was approved for a credit line of {$4500.00}. On XX/XX/XXXX Chase closed both accounts. Citing my efforts to rebuild my credit and had opened several accounts recently. Chase had full knowlegde of my new accounts when they pulled my XXXX Credit Reports both times, but yet approved me. On XX/XX/XXXX, Chase reported both accounts to all three credit rating bureau as " Closed by XXXX XXXX ''. This has had a significant negative impact on my credit scores as a result. My scores with XXXX have fallen from XXXX to XXXX in less two weeks from the time of the Chase reporting. I did nothing wrong with these accounts and now I will have this negative mark on my credit reports for the next seven years. Furthermore, I had not even received the Chase AARP before the account was closed. Because of the irresponsible actions by Chase, I am the one paying a hefty price when I did NOTHING WRONG, and this will effect my ability to get credit for years to come.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the  remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account : XXXX XXXX Account Number : XXXX Provide Physical Verification : Unverified Account/Information about the account is reported incorrectly/Balance Incorrect * Please remove all non-account holding inquiries over 30 old Thank You, XXXX XXXX
Product: Vehicle loan or lease

I got a loan on XXXX XXXX XXXX on XX/XX/XXXX almost {$28000.00} I put down {$4500.00} my last payment was XX/XX/XXXX and credit accepted is still saying I own. {$23000.00} still And my payment for the vehicle was {$440.00} a month I started paying {$500.00} a month I dont understand how credit accepted saying I still own {$23000.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA )

, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative
proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 




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

I appreciate your time to have some of the fraudulent accounts and information removed from my Credit File but upon further inspection of my Credit File. I noticed that there are a lot of fraudulent items that still remain. In accordance with the Fair Credit Reporting Act section 605b, you are required to remove the fraudulent accounts and information you report on my Credit File. Please comply with the Fair Credit Reporting Act section 605b, and haver the remaining items removed from my Credit File File as soon as possible ; XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. I am submitting this CFPB Complaint to request that you remove the fraudulent accounts and information off of my Credit File as soon as possible. As much as I appreciate the deletion and action you have taken, the remaining items should have also been removed from my Credit File.
Product: Mortgage

Wells Fargo foreclosed on my XXXX-year-old mother 's home in XXXX, as she was unable to pay a mortgage refinance that did not seek out nor could support on her Social Security and XXXX XXXX retirement. Unscrupulous salespersons contacted my mom many times to get her to refinance her house at a rate she could not afford and terms she could never repay. She purchased her home in XX/XX/XXXX for {$25000.00}, and houses in her area are currently appraised in the $ 55,000- {$75000.00} range. Mom finally relented and agreed to the refinance XX/XX/XXXX, 15 months after she had suffered a debilitating stroke, when she especially needed any extra money to offset healthcare costs. The loan amount was for {$180000.00} ( based on a grossly inflated appraisal ), and it appears Mom 's income was fabricated to qualify for the loan. It is an adjustable rate mortgage, with an above market start rate of 7.35 %, but it could ONLY go up because 7.35 % was also the floor for the mortgage. To make matters worse, the loan had a five percent pre-payment penalty during the first two years. The loan also had a 40 year amortization schedule, but was for a 30 year term, meaning that Mom would have a substantial balloon payment of over {$100000.00} due in XX/XX/XXXX, when she would be almost XXXX years old. Mom tells me that she contacted Wells Fargo on a number of occasions to seek a loan modification. Each time Mom says that her paperwork would be lost by Wells Fargo, or she says that additional documentation was requested ( even though Mom believes the documents were previously submitted, multiple times ). At one point, a representative told Mom that she was ineligible for a modification because her loan was current. When she finally fell behind, she says she was told that she was not eligible for a modification because her loan was in default. Mom says her multiple requests for a modification were never approved, yet she believes that she never received any kind of acceptable explanation as to the basis for the denial. At this point, she will very likely lose the home she has had retrofitted with a number of items that help Mom function more normally, such as pull up bars and other items that compensate for her XXXX and assist her with every day activities. My XXXX siblings and I were not aware of the situation until after the foreclosure occurred this past XXXX. Between us we have cobbled together our available cash, which exceeds the price that Wells Fargo paid at auction, and offered to buy the house from the bank in the hope they will see that it is in everyone 's best interest to do so. Unfortunately, we hold out little hope that they will accept it, since they have told us on the phone that, as family members, we are " at arm 's length '' to the transaction and would be ineligible to purchase the home for her. Regardless of what happens in our case, we hope to alert others to these unscrupulous practices and encourage our lawmakers and regulators to rein in such abusive practices immediately, to spare others the same pain our family has endured.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureau/Agency ( XXXX ) and the Creditors ( XXXX XXXX XXXX XXXX, ( 2 ) Republic Finance ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Checking or savings account

I opened a bank account with PNC about a month ago. I had. A large balance. I was mailed checks and mailed a debit card. My checks and purchases started bouncing because the PNC Bank closed my account with no notice. 
I called the bank number and received no information. Today I was told I had XXXX in the bank but have not received it as of yet but just received a letter that my account is closed for no apparent reason. It is very difficult to get payment with XXXX on my purchases I sent back because they will not talk another bank card from other banks. They have to mail me a great deal of money in my returned items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

These are all inquiry that I did n't give permission to run my credit credit bureau still report and inaccurate information XX/XX/XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX lease XX/XX/XXXX cont XX/XX/XXXX bank XX/XX/XXXXI only applied to two lines of. Credit and neither run your credit score to get approval it 's secured credit card
Product: Mortgage

Qualified Written Request under Section 6 of RESPA - Mortgage Information and Error Correction As a Qualified Written Request under Section 6 of RESPA - Mortgage Information and Error Correction, I am writing to request the following information described below in regard to the mortgage on my property. 
1. Full monthly accounting information of my loan servicing since XX/XX/XXXX, including the following : Transaction dates, transaction amounts, Code, Category, Due Date, Total, XXXX XXXX, Interest, Insurance, Escrow, Late Charges/Fees, Advance, XXXX, Back Date All principal, interest, escrow, property taxes paid, hazard insurance premiums paid, and loan balance calculations ( including yearly escrow analysis for the past 3 years- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) All payment information and accounting ( including chapter XXXX trustee payments ) and how they were applied to the balance of the loan Yearly loan interest calculations from payments made during the last 3 years ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) A corrected XX/XX/XXXX Form XXXX - mortgage interest, showing the correct mortgage interest amount that I paid during that year Calculation of current home loan arrearages, including any escrow, payment, hazard insurance and late fee amounts. Your automated phone system states I have a {$6300.00} arrearage balance. You have not applied my payment of {$1100.00}, received in your office on XX/XX/XXXX to my account balance. Please apply this payment immediately. 

2. Home retention and foreclosure prevention information, including loan modification applications, and any and all other paperwork, applications, or programs that I might be eligible to participate in to avoid foreclosure. 

3. An explanation as to why you have recently removed my loan payment information from all XXXX credit reporting bureaus. 

4. An explanation as to why I am unable to view any and all loan servicing account information including : principal, interest, balance, escrow analysis, and payment information at www.ditech.com, as well as on monthly statements mailed to my home address from your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went look at my credit and there are still somethings on there that are not mine. I'm trying to get back in school and this is really holding me up. I saw on some billboard in my building from this attorney guy that you guys can help finally resolve this. I have reached out to the police in my city and the FTC. Im also doing this on my own behalf. XXXX/XXXX XXXX. XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX and there is another account as well that does not have a name. The account- # XXXX. There are o.lso some inquiries that are not mine XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against XXXX.I disputed the debt they claim I owe them online and I recently wrote their company, I informed them that my proper name is XXXX XXXX XXXX, not XXXX XXXX XXXX All Capital letters, I reserved my rights with them using XXXX XXXX, I never used the card when I received it, I don't remember my wet signature on any of their documents, XXXX never loaned me any money or legal tender, I didn't authorize XXXX to access my credit report, I don't understand how I'm liable for any debt with XXXX. Under the law, only XXXX can issue legal tender, and XXXX  XXXX relieved me from debt, since it's public.
Product: Vehicle loan or lease

Upon receiving a text message to come to XXXX XXXX and inquire about XXXX XXXX XXXX. I went to the dealership and advised that this would be a Consumer Credit Transaction per 15 U.S.C. 1679 ( a ) Which states " ANY transaction in which credit is offered or extended to and individual for personal, family, or household purposes '' I Let the rep know I did not mind extending my credit to secure and instrument via text we set up an appointment for XX/XX/XXXX at XXXX They ran my credit and I was denied. I informed the finance manager that according to 15 U.S.C 1681 ( B ) a consumer can not be denied and extension of their own credit. I called the banks that I was told denied me which was Ally Financial, XXXX XXXX and XXXX XXXX. I was told XXXX XXXX is an AI and federal Law does not apply to AI. And the other two banks sent me in a runaround, hung-up on and was rude. From my understanding when you put in an application that's what pays for the car because it is a Process, which technically is considered a cash proceed. I advised that multiple people that my federal rights was being violated and everyone ignored me and didn't even bother to look up the code. From my understanding Per 15 U S.C. 1611 criminal liability for willful and knowing violation because this information is public information it is not my fault they do not know this. Also advised that per 15 U.S.C 1679 ( a ) when " when used in connection with information on ANY consumer means all information on that consumer recorded and retained by a consumer reporting agency regardless of how the Information Is stored. I am seeking remedy for this unfortunate situation, Once again I am a consumer and I went to extend my credit which they offered me to extend by asked if I needed a vehicle and offered a test drive that I never got via text message. And they still denied me. Per 15 U S.C 1601 Congress finds that economic stability would be enhanced and the competition among the various financial institutions and other fines engage in the extension of consumer credit would be strengthened by the informed use of credit.
Product: Debt collection

I've received statement from XXXX XXXX XXXX XXXX service which I do not have. I've been using XXXX XXXX XXXX for business for many years now. I don't have anything to do with XXXX XXXX XXXX I'm vigorously disputing this and would like to get this contaminated report off my credit report.
Product: Debt collection

this debt was included in a chapter XXXX BK case # XXXX and this matter has already been addressed previously with the CFPB. this debt has been re-opened as a delinquent account and collection practices have assumed since the discharge of my BK. as a consumer I am protected and the debt has been discharged.
Product: Credit reporting

Account from a cable company appears to be in collections with a balance of {$550.00}. However, I 've been on time with payments, and I called the cable company they said they have not sent any account under my name to collection. Also, this collection account has a different number from my original, and it just appears in XXXX credit report XXXX Equifax XXXX .I sent a dispute, but I havent gotten an answer yet. I would like this to be looked into please.
Product: Debt collection

I sent a 2 separate letters of requesting validation to : Account Resolution Services, XXXX. XXXX XXXX, XXXX, FL. ( XXXX ) XXXX about 3 collections debts showing up on my credit report. 

I asked them to please provide the following or remove the debts from by credit report : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

They have not provided by with the information I requested and have not removed the collections from my credit report. 
They have just re-sent the same letter demanding I pay. They say in the letter that they have verified the the debt, but they don't give me the name or address of the so called original creditor.