23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I received a notice from TRANSWORLD SYSTEMS INC. located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX, Phone XXXX. The notice ( acct : XXXX ) stated that I owe {$1600.00} to original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This debt is for services provided on XX/XX/XXXX, by XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX at XXXX XXXX XXXX Virginia XXXX XXXX XXXX XXXX XXXX, Virginia. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX submitted a claim for {$1600.00} to my insurance provider XXXX XXXX XXXX ( All Savers ), but the claim was denied because they failed to submit the claim within the timeframe specified in their contract. 

I received an explanation of benefits from XXXX XXXX XXXX ( All Savers ) XXXX informing me that the claim was denied due to timely filing issue and that I was not responsible for paying these services and that XXXX XXXX was not to bill me because the fault lies on them. 

I contacted the following parties on XX/XX/XXXX : Original Creditor : XXXX XXXX XXXX ( XXXX ) XXXX ( acct # XXXX ) and they informed me to disregard the notice from the debt collector. They have never delt with TRANSWORLD SYSTEMS INC. and they are aware that I am not liable for the bill. I have had numerous phone conversations between them and XXXX XXXX XXXX ( All Savers ) to get this resolved. I had assumed the matter was closed because it has been over a year and then I received this notice from TRANSWORLD SYSTEMS INC. on XX/XX/XXXX TRANSWORLD SYSTEM INC. : I spoke with a representative and they informed me the notice was on hold because they were waiting on a response from XXXX XXXX XXXX. XXXX XXXX informed me that they do not deal with this debt collector and that my account was XXXX for the service date of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information was exposed in a national data breach, compromising my sensitive data. Upon reviewing my credit reports, I identified accounts that I do not recognize or recall opening. I submitted a request to the Consumer Reporting Agencies ( CRAs ) for validation of these accounts ; however, the required documentation has not been provided as mandated under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ). This failure to validate the information and the presence of unverified accounts on my credit report raises significant concerns about the accuracy and security of the data being reported. To address this matter, I have filed an FTC complaint regarding the breach and the unrecognized accounts and attached supporting evidence, including my government-issued ID, a copy of the FTC complaint , the XXXX XXXX Breach Notification report, and a prior Validation of Debt letter.
Product: Credit card

I requested a refund from XXXX XXXX on XXXX  for premium overpayment, they claimed to refund it in XXXX separate transactions, XXXX to my XXXX XXXX card for {$2.00}, another one to my chase credit card for {$430.00}, I received the {$2.00} on my XXXX XXXX card the following day, but never saw the refund to my chase credit card account. I called the XXXX XXXX XXXX times since then, they insisted on the refund is processed and the money is returned. I called chase 4 times regarding the refund, they claimed nothing showed up on their end and they can't do anything. I contacted XXXX on XX/XX/XXXX and they said the dispute can only be handled at the bank level. So i am completely stuck among them and nobody can tell me where the money went.
Product: Debt collection

XXXX XXXX XXXX called to say if i paid of my debt within a certain time frame that American express would reinstate my credit card and that my credit would show an active account. They took my money and my credit report states my american express account was charged off negatively effecting my credit. They lied from the very XXXX time they called and now when i call they cant access my account and the managers are always on break.
Product: Debt collection

Just calll and said that I owed a debt on a repo that was charged off not letting me know how much it was sold for no documents
Product: Debt collection

This is/was a debt with Capital One. It has been going on since XXXX XXXX. They were receiving payments and not crediting the correct account and when notified refused to check said account and then sold the debt twice and i have been harassed by all XXXX agencies. 

I told and provided paperwork to numerous contacts and not XXXX department took ownership of the problem to investigate and help me. It has had negative impact on my credit report and more.
Product: Credit card or prepaid card

I have communicated with the creditor several times in reference to an account ( s ) that has been opened under my name fraudulently. On XX/XX/20 upon the request of the creditor, I supplied Bank of America N.A, and all CRAs ( credit reporting agencies ) a copy of Identity Theft reports and an explanation outlining the Identity Theft and misuse of personal information. The creditor has been reluctant to investigate and has misled me in several occasions while in communication with their customer service and/or fraud department. The credit reporting agencies have stated that the creditor has " verified the information '' yet has failed to substantiate my request for documentation.
Product: Debt collection

I have requested that this creditor provide the validation of the account they are attempting to collect on and they have not done so. I requested this to be done on XXXX/XXXX/2017 and I have not received any correspondence as of yet. It has been approximately 113 days. The collection amount is listed on my credit monitoring site for {$98.00} and I was never made aware of such debt in writing.
Product: Credit card or prepaid card

I had a Vanilla Gift Card with a balance of {$30.00}. On XX/XX/22, I noticed there was an unauthorized transaction of {$29.00} from XXXX. I have never heard of this company and a XXXX search didn't come up with any information. The charge was still pending at the time I called Vanilla XXXX with the number on the back of the card. I spoke to a representative on XXXX. The representative had an accent and it seemed like a call center in another country. The representative stated he was going to issue a replacement card to me. I also asked the representative no less than 3 times if I would get back my {$29.00} and he said " yes '' all 3 times. I ask the rep if there was anything else for me to do and he stated no. 

On XX/XX/22, I received the replacement Vanilla gift card. I checked the balance, and it was {$0.00}. So, I called Vanilla ( XXXX ) again and spoke to another rep. This time the rep informed me that I needed to contact the vendor to dispute the charge and to fill out a dispute form and email it back to them. I questioned this new rep why the first rep on XX/XX/22 didn't give me this information and he couldn't answer it. The rep gave me the phone number for the vendor. I attempted to contact the vendor but was unable to get a hold of anyone. It kept going to a voice message box that was full. The rep then emailed me a copy of the dispute letter. I completed it and emailed it back on XX/XX/22 ( see attached ). I have never received a response, and this is why I am filing this complaint.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX Partial Acct # XXXX is not my account. I never open this account and it is still on my report. I called all 3 bureaus to let them know this account is not mine. It was open on XX/XX/2020 and at that time I was incarcerated. My release date was XXXX XXXX. I requested my credit report and saw 4 accounts that I never open. I immediately called these credit cards and cancelled them but this one was not removed and it is hurting my ability to purchase a home. The address were these cards were mail was an address close to the prison. I know an employee stole my identity to open credit. 
Here is the address the cards were mailed. If you do an investigation you will find that an employee from the prison lived or lives at this address. 
XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

i have identified information on my report that are a result of identity theft these accounts do not belong to me ( XXXX XXXX XXXX XXXX
Product: Debt collection

this debt has been placed on my credit report, it was my wifes debt from a injury, this debt was suppose to have been paid by the company she sued and was court ordered for it to be paid. Last year Capital Accounts , llc. contacted me XXXX XXXX in regards to a medical bill owed to the XXXX and XXXX XXXX in XXXX, AL. I gave the lady who called all the information regarding the debt including the attorny who handled the case for me. After that discussion, no other person nor any mail from them has ever been recieved for me or my husband. I recently got on XXXX and checked my score and the debt was still on my account, i disputed this thru XXXX who removed it off my report due to inaccuracy. In XXXX 2016 we decided to purchase a home and had my husbands credit pulled, and to our surprise they attached this debt to him, without any contact to him via mail or phone. I have contacted the atty. that handled the case, as well as this collection agency who put this on my credit report. Yesterday XXXX/XXXX/16, starting at XXXX, i spoke with a XXXX, who coulnt pull this debt up using a name or XXXX last XXXX social and nothing under mine at all, after about 30 minutes he finally located it, he informed my that my husband was also responsible for this debt since he was the primary on our insurance, i told him i belived that not to be true! I told him I would call back. I called back and then spoke to a XXXX around XXXX and she informed me after 30 minutes or more of even locating our information once again, that he apperantly had been to the office and signed paperwork, i told her i hoped she was recording this because my husband has never signed anything in XXXX XXXX office, first off he does n't XXXX, the lady became very quiet and stated that this was my bill, i then again to explain this over again to her and i have become aggitated because they ca n't get the information straight. This morning I contacted the dr. 's office and they told me they no longer use this agency anymore. I called this afternoon and have been run in complete circles from one debt rep to another and on who stated his name as XXXX XXXX, supervisor, he decided he would send me to another bigger supervisor and low and behold i was back with XXXX again who stated he did n't even know who the XXXX was or the supervisor, i laughed and felt concerned what kind of place are these people running. Again today I got nowhere with this. It is still on my credit report under XXXX for XXXX amt and on my husbands credit report as another, also this company does not mind sharing anyones personal information, as they pulled up my husbands account and discussed it with me without asking his permission first.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block.inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act .specifically Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

I paid a debt owed to XXXX, but the collections agency, Rash Curtis, continues to harass me, calling during work hours and trying to get interest on the already paid debt to XXXX. I have an email from XXXX attesting to the fact I have paid my debt in full.
Product: Bank account or service

I 've been a member of USAA since I was a XXXX in 1988. I started banking with USAA about 5 years ago. My complaint is they charge {$25.00} overdraft fees even though I had sufficient funds available the day the transactions posted and were recorded on my on-line bank statement. I had XXXX OD fees of {$25.00} each charged in XX/XX/XXXX for transactions as low as {$3.00} and no more than {$37.00} and it was only a matter of hours before funds were available as deposits arrived the same day the fees posted on my account. This is a gross example of loan sharking. Transactions are authorized, posted and cleared in a manner that favors the banks and hurts the consumer and makes the bank money via fees. They should n't be allowed to charge {$25.00} to loan {$3.00} for a few hours. This is predatory lending at its worst.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new vehicle on  XXXX   XXXX ,  XXXX  at  XXXX   XXXX  in  XXXX , FL. For that purchase I traded in my  XXXX   XXXX  which was Financed with  XXXX   XXXX   XXXX ,  XXXX   XXXX  obtained a 10 day payoff in order to send   XXXX   the correct amount owed. I started receiving collection calls from   XXXX    around  XXXX   XXXX  asking for payment from me I stated that I traded the vehicle in on  XXXX   XXXX  and they should have received the payoff check from the dealership already. It turns out that  XXXX   XXXX  supposedly sent the check to the wrong bank which caused a delay.  XXXX  was aware of this but still reported me to the credit bureau as being 30 days late making a payment which I was never late in making my payments this was the dealerships fault in sending the payoff late which in turn they ended up having to pay more money. I am furious that my credit was affected by this. I disputed it with Experian but they did not remove it. The Dealership overnighted the payoff check on  XXXX   XXXX  and now my credit suffers because of it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized and inaccurate inquiries that have appeared on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit profile. I kindly request their removal as they do not reflect any credit applications I have made. 

The inquiries in question are as follows : XXXX XXXX XXXX XX/XX/year> ( XXXX ) XXXX XX/XX/year> ( XXXX ) XXXX XXXX XX/XX/year> ( XXXX ) XXXX XX/XX/year> ( XXXX ) XXXX XXXX XXXX XX/XX/year> ( XXXX ) I have reviewed my records and confirmed that I did not initiate or approve these inquiries. I kindly request that these be removed from my credit report as soon as possible in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please provide confirmation once this dispute has been resolved. If any further information is needed, feel free to contact me at your earliest convenience. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX [ XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX TX XXXX Subject : Dispute Letter Regarding Noncompliance and Negligence Under 15 U.S.C. 1681o Dear [ Recipients Name or Credit Bureau ], I am writing to formally dispute the inaccurate and negligent handling of my credit information, which has caused harm to my financial standing. Pursuant to 15 U.S.C. 1681o, I am holding your institution liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ).

Details of Dispute : Issue : [ Describe the specific negligence, such as failure to investigate a dispute, failure to correct an error, unauthorized disclosure, or mishandling of data. ] Affected Account ( s ) : [ List account names, numbers, or institutions involved. ] Date of Incident : [ Provide the date when the issue occurred or was discovered. ] Violation of 15 U.S.C. 1681o : Under 15 U.S.C. 1681o, a credit bureau or entity that fails to comply with the FCRA due to negligence is liable for actual damages suffered by the consumer, as well as potential legal costs and attorney fees. Your failure to [ explain the specific noncompliance, such as failing to investigate or correct an error ] constitutes a direct violation of this statute. 

Requested Resolution : I demand the following actions be taken immediately : 1. Correction or removal of the inaccurate information from my credit file.

2. A written explanation of the steps taken to resolve this dispute.

3. Compensation for damages incurred due to your negligence ( if applicable ).

If you fail to take corrective action within 30 days, I will be left with no choice but to pursue further legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for damages under 15 U.S.C. 1681o.

Please respond in writing to confirm your compliance with this request. A failure to act promptly will further demonstrate willful disregard of your legal obligations. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

The following accounts have violated my consumer rights : MIDLAND CREDIT MANAGEM : Acct # XXXX Violations : False credit info communication ( 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ).

Communicating false credit info ( 15 U.S.C. sec. 1692e ( 8 ) ).

Threats, obscene language ( 15 USC 1692d ( 1 ) & ( 2 ) ). 
Postcard communication, improper language/symbol usage ( 15 USC 1692F ( 7 ) & ( 8 ) ).

Seeking prompt resolution per Metro2 guidelines. XXXX reports info excluded under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), breaching Metro2 compliance. Immediate action requested, including deletion of derogatory info.

Accounts in collection without IRS Form 1099-C violate 26 USC ss 6050P. Request deletion within 30 days. Non-compliance will result in IRS forms 3949A and 211 filings. 

Prompt attention and resolution expected.
Product: Debt collection

I had my XXXX XXXX removed By XXXX & XXXX XXXX ( it was covered by my insurance ) They convinced to sign a contract in order to do more procedures, I never did the procedure and they put a credit debt on me, even though I did not do the procedures.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Late Payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Late Payments, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : Late Payments, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : Inaccurate Information Account Name : XXXX XXXX Account Number : XXXX Reason : Inaccurate Information Account Name : XXXX XXXX XXXX Account Number:XXXX Reason : Inaccurate Information Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Inaccurate Information 15.U.S.C. 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item of information, other than records of convictions or crimes which antedates the report by more than seven years.

15 U.S.C, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer or to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

Card Prepaid ; Card.com literally stole money out of my bank checking account. This happened in XXXX of XXXX  and I called when I noticed they took {$47.00} out of my account and told them I didnt approve of that. So they told me theyll refund the money back. I check bank statements and see that no money was ever returned. I call again and I speak to XXXX. I speak XXXX every time I call, and she tries to tell me the same exact thing she did the day before call your bank and tell them to send us your account number because we cant send the money back without that info I call my bank they say no we dont do that, I call card.com AGAIN and this time she says okay send an email. Well refund you we just need that info first. XXXX going crazy theyre scamming me and idk what to do. I even said okay just send me another card with {$47.00} on it and Ill use that atleast Ill get my money someway, she says no they cant do that
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having a hard time getting in contact with anyone from XXXX XXXX in reference to there reporting to the credit bureaus. They are reporting negative but I am paying everything as agreed. Can you please make the necessary correction so that my credit report will be as accurate as possible?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.