23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

in XXXX XXXX XXXX XXXX was charging me for utilities in an apartment after I had moved out. It was corporate housing for work I was doing in XXXX, MA area XXXX, MA to be exact. When I got the bill I called XXXX XXXX several times to discuss, eventually speaking to them on a three-way call with the apartment complex, confirming that the subsequent renter had in fact changed the utilities to their name and that I had filed the appropriate paperwork upon moving. 

The agent for the XXXX XXXX XXXX indicated that they had corrected the item and nothing further needed to be done. I never received any subsequent bills or statements to my permanent address which I updated on XXXX XXXX XXXX  Website, the Apartment Complex ( XXXX XXXX at XXXX ), and on the phone with the agents. 

This month I noticed an item on my credit report and disputed it with all three agencies. XXXX concluded their investigation indicating that they " validated the debt. '' The XXXX online form does not provide a legal explanation of why I am disputing the debt. I am a XXXX ( licensed in Michigan XXXX XXXX. XXXX ) and provided, in the limited space the best legal summary I could citing the doctrine of Estoppel indicating no actual proof of the debt exist of the debt. 

NATIONAL RECOVERY AGENCY, the collection agency continues to call and harass me. 
Their contact info is : Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, PA XXXX I would like the report removed from all credit bureaus and the record corrected. I have all the documentation as I am an XXXX. The credit bureaus do not allow attachment of documents and any further contact on my part would only serve to validate this false claim. 

I have attached my copy of my final bill the month I moved out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter dated XX/XX/2023 from XXXX XXXX XXXX XXXX offering me a Loan Modification due to me being laid off from my job in XX/XX/2023. 

I was told by their XXXX XXXX XXXX. to NOT MAKE MY XX/XX/XXXX payment and to follow the modification schedule and make my next payment on XX/XX/2023 for the amount of {$320.00}. I made that payment prior to XX/XX/XXXX and the payment was not reported to my credit report and my account did not show current. Instead XXXX XXXX decided to report my account 60 days past due. Even though I made my payments according to their modification schedule. 

Golden one has ruined my credit by reporting my Auto Account 60 days past due and they refuse to fix their mistakes. Since then I have made a {$650.00} payment to bring the account current and cancel their loan modification agreement. I would never agree to a loan modification if I knew they would continue to report my account delinquent while I'm making payments. 

This is violation of the Fair Credit Reporting Act and another example of banks abusing their powers with unfair and deceptive practices. My account was always current over the years until I was laid off due to a mass layoff by my employer in XXXX. That is the only reason I asked for help and they offered a modification agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account below has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX : # XXXX has violated my rights. 

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 : 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 items of information, other then records of convictions of crimes which antedates the report by more then 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 or other personal consumer reports

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across Experian, XXXX and XXXX. They ( XXXX ) received that letter with certified returned receipt on XX/XX/year>. XXXX responded via USPS with a letter dated XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting accurately. A second letter was mailed today ( XX/XX/year> ) via USPS certified signature required with further violations highlighted. I pray they cure the deficiencies by fixing or deleting the inaccurate items as required by law. 

***Attached to this complaint is : Initial statement of inaccuracies dated XX/XX/year>, delivered to XXXX XXXX XX/XX/year> XXXX XXXX response dated XX/XX/year>, delivered to consumer ( me ), XX/XX/year> Consumer 's ( my ) 2nd correspondence to XXXX dated XX/XX/year>, mailed USPS certified mail today, XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit collection account for XXXX XXXX was deleted from my credit report, between XXXX XXXX and XX/XX/year> and on XXXX XXXX was added back to my report. According to the FCRA Reinsertion law 1681 I & subsection 5 if any information is deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Best Regards, XXXX XXXX
Product: Debt collection

Formal Complaint Against Transworld Systems Inc - Incorrect Debt Collections I am writing to file a formal complaint against Transworld Systems Inc, a debt collection agency located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, with the contact number XXXX. This complaint pertains to an alleged debt under XXXX XXXX and XXXX XXXX XXXX XXXX, totaling {$70.00} and {$110.00}, respectively. I vehemently dispute the validity of these debts, as I do not owe any amounts to either of these entities. 

Details of the Complaint : Debts XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : Transworld Systems Inc. has been attempting to collect debts on behalf of XXXX XXXX and XXXX XXXX XXXXXXXX XXXX, totaling {$70.00} and {$110.00}, respectively. I want to make it unequivocally clear that these debts are not mine, and I dispute their validity. 

Lack of Validity and Documentation : Despite my multiple requests for validation and documentation confirming the legitimacy of these debts, Transworld Systems Inc. has failed to provide any substantial evidence proving that I am the rightful debtor. I have not received any verification of the debts, and I believe this collection is in error. 

Incorrect Debt Ownership : These debts do not belong to me, and I am concerned that there may be a case of mistaken identity or an error in the assignment of these debts to my name. 

I kindly request the Consumer Financial Protection Bureau to : Investigate the aforementioned complaints against Transworld Systems Inc. 
Verify the legitimacy of the debts in question and confirm whether they are indeed associated with my name. 
Take appropriate action to ensure compliance with consumer protection laws and correct any errors in the debt collection process. 
I am deeply concerned about the accuracy of the information being reported by Transworld Systems Inc., and I believe their actions may violate the Fair Debt Collection Practices Act ( FDCPA ). Your intervention is crucial in protecting my consumer rights and rectifying this situation. 


Thank you for your immediate attention to this complaint. I trust that your investigation will bring clarity to this matter and prevent further harm to my credit and consumer rights.
Product: Bank account or service

I received a call from Bank of America in XXXX 2014 that they suspected a checking account was being opened in my name fraudulently. I confirmed that yes, it was fraud and that I had not opened any accounts with them. I then contacted all credit bureaus, the FTC and filed a policy report for identity theft. The credit bureau reports confirm identify theft and removed the information from my credit report. I assumed that I took all necessary steps to correct this issue, but this week as trying to open an account with my credit union, they ran a XXXX report and it indicated that Bank of America charged off {$1900.00} in my name and upon calling Bank of America to have this removed, they are now telling me that they have no record of any of this 2 years ago and that it is going to take 30 days for them to complete the investigation. # XXXX, if they called me and removed it from my credit, why do n't they have record of it and # XXXX, I do n't have 30 days for them to complete this for me, as my lease is up on XXXX. I need them to find the information from XXXX and at least provide an email or statement to provide to the bank and they are unwilling to do any of this. Even after I offered to provide them the XXXX Report finding, FTC reference number and police report. I did go ahead and file a dispute with XXXX individually, but they also indicated it could take up to XXXX days.
Product: Debt collection

I am writing to formally dispute the alleged following debt currently associated with my XXXX, XXXX, XXXX and XXXX accounts. XXXX ) XXXX XXXX {$600.00}. I believe that my rights under federal law are being violated, and I am disputing owing any and all debts purportedly held by these agencies. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute the validity of any debt claimed I owe. Accordingly, I am requesting the validity of these alleged debts as required by federal law. XXXX ) Please provide a comprehensive validation of this debt, including a detailed account of how this amount was calculated. XXXX ) I request a copy of the original purchase order agreement between the collection agency and the original creditor, as proof of the debt 's origin and validity. XXXX ) Additionally, I am requesting documentation that demonstrates the agency is currently licensed and bonded to collect debts in my state. Furthermore, I hereby revoke any and all rights of any debt collecting agencies to communicate with me through text, phone calls, email. I am exercising my right to request that all future communications regarding this matter be conducted exclusively through written correspondence sent certified to my mailing address.
Product: Student loan

Please see below the email I sent to the CEO about this matter. I requested my refund and was told it was getting solved and now they are acting like the matter does not exist. 

XXXX XXXX : I contacted you all on XXXX XXXX, 2024, regarding my credit balance from my account. My loans were XXXX, and I had a credit balance of over XXXX dollars. At that time, I spoke to two people who put in the manual request for the refund. I was told if it was a payment to Mohela it would be ACH to my account and if it was to the Department of Education it would be mailed as a check. I was promised that this would be solved in about XXXX business days or XXXX weeks. We are past both and I do not have a refund. I was told it was squared away on that XX/XX/XXXX call. I called tonight and talked to some lady who acted clueless. She said it was coming from the Dept of Treasury and they have no record of a credit balance. It certainly was known when I called in XXXX. She said well it would be XXXX days after discharge of XXXX XXXX. I was well it is XXXX plus days. She was obviously not well informed and was talking in circles acting like my phone call was almost nonexistent and there was very little record of any of these conversations. I am quite frustrated. I paid loyally and had my federal loans XXXX through XXXX XXXX. It was acknowledged and showed on my account a XXXX refund plus. I received a email promising a close monitoring and communication to resolve this matter that I still have. Now, based on your representative tonight, there is very little record and seemingly no answers. It is a mystery of mysteries. I am assured that if I was XXXX plus days in default and over XXXX dollars behind in payments the matter would be very well known. Once again, I am requesting this matter to be solved because I feel misled, lied to, and it seems as if this is heading toward a disappearing of money, I am owed with hopes that it will just go away. I would like this matter solved. Please and thanks. 

XXXX XXXX XXXX
Product: Debt collection

Repeated calls, nearly every day from Portfolio Recovery Associates ( XXXX and many other phone numbers ) to my XXXX XXXX telephone number. They do not know my name, I do no business with them. I have blocked many of their fake phone numbers, but Portfolio Recovery Associates continues to call this number.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT OF EDXXXX ACCOUNT XXXX XXXX EXPERIAN XXXX The above creditor and Credit Reporting Bureaus are in direct violation of my consumer rights.

The creditor and credit reporting bureaus is violating the CARES Act, signed into law on XX/XX/2020 and is reporting debt and debt balance on my credit profile. 

Creditor is reporting interest charges on debt. - This violates the CARES Act in which no interest on loan, default, or deferred may be added to original loan. 

Experian and XXXX is violation of FCRA Fair Credit Reporting Act 15 US Code 1681 and did NOT VERIFY disputes sent on XX/XX/2020 or UPDATE my Credit Report. ( Negligenct and Willful Noncompliance with the law ) and violated my rights. 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. I did not authorize creditor nor Credit Reporting agency written permission to report my personal information.
Product: Debt collection

In XX/XX/2022, the company known as APELLES contacted me about an alleged debt that I do not owe in the amount of {$5100.00}. I have No prior or existing relationship with this company and its affiliates and/or assigns who are unknown to me at this time. This company has obtained my private and confidential non-public personal information without my consent or knowledge and are attempting to defraud me into paying it alleged debts that I do not now nor have never owed to it,. This company has no right to contact me or to attempt to collect any alleged debt from me. This company 's business practices violate my right to privacy as a consumer and also the Fair Debt Collection Practices Act 15 USC 1692. I have demanded several items as proof of the allegations and claims because I am confused as to how this company was able to obtain my private and confidential non-public personal information without my consent or knowledge since I have never done any business with it. 
I do not give consent to be contacted by this company any further nor have I ever given consent to be contacted by this company, I have demanded that this company cease ALL forms of communication with me immediately, I will be filing a formal complaint with the FTC should this company continue to contact me with schemes to violate my rights.
Product: Credit card or prepaid card

Earlier this year I experienced an issue logging into my credit card account on chase.com. Specifically, Chase required me to enter Identification Code that they could sent to my phone via text or a voice call or via an email message. When I requested the Identification Code to be sent to me via a text message, no text messages from Chase arrived to my phone number.

The feature of delivery Identification Code via a text message to access Chase credit services is widely advertised by Chase on its website and is available to other customers of Chase.

I had informed Chase via Secure Messaging system that no text messages from them were delivered to my mobile phone account. My mobile phone account is able to receive text messages and I have been receiving identification codes via text from other credit card companies without any issues.

Over a period of two months I had been communicating with Chase via their electronic Secure Messaging system trying to resolve the problem. Chase representatives repeatedly asked me to call their company phone number in order to resolve the issue. I repeatedly asked Chase what information it required from me in order to resolve the problem and was willing to provide any such information via electronic messaging system upon request. During the two month period of me conducting communications with Chase in writing I never received from Chase any requests for any specific information related to the issue.

It appears that the sole fact of them speaking directly to me over the phone was their requirement in order to provide me with the same level of service as they provide other customers. Chase never provided me any other reason why my account is adversely affected. 

In XX/XX/2018, Chase informed me that they will no longer be communicating with me via Secure Messaging system on their website. Subsequently I contacted Chase about additional issues restricting my use of their website and my requests were left without a response from Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised I have been a victim of identity theft. The fraud was committed when the following account ( s ) was/were opened, without my consent and/or knowledge, by persons unknown to me : The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX. acct # XXXX amount {$610.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name 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
Product: Bank account or service

On XX/XX/2016, a set of loan payments was coming from XXXX to my bank account ( number XXXX ) at Citizens Bank, RBS. I knew that the loans are scheduled to be presented on the account on this day, for a total of {$1300.00}. On the morning of XXXX, I noticed the total payments from XXXX scheduled were greater than I previously expected. I discussed the matter with XXXX. On the morning of XX/XX/2016, the payments are still pending on my bank account, according to the lowest to highest ordering of payments all coming from XXXX. There was XXXX item for the amount of {$180.00} that would make my account negative for the amount of {$160.00}. I expected that the loan payment of XXXX would either paid or return and I would incur XXXX ( XXXX ) fee. 
I discussed the matter with XXXX and made a cash deposit for an amount of {$1300.00}. 
On XX/XX/2016, I logged on the account and noticed all loan payments from XXXX were posted on my bank account from an ordering of lowest to highest payment and my account was negative because of the last loan payment of {$180.00}, But Today, XX/XX/2016, I saw a complete reordering the payments, instead of charging one-time fee of {$35.00} for the highest loan payment of XXXX, Citizens Bank reordering the payment of XX/XX/2016, from highest to lowest and charged me seven ( 7 ) times of a fee XXXX for a total of {$240.00}. I called the Call Center ( XXXX ) to discuss the matter with a supervisor , named XXXX. I pointed that Overdraft Settlement Agreement in which Citizens Bank agreed to post transactions from lowest to highest. I also indicated that the disproportionality of charges of {$240.00} for an insufficient fund for the amount of XXXX. Citizens Bank could have returned the payment of XXXX and charged me a fee of {$35.00} and I would have to present the payment again. Instead, Citizens Bank looked at its best interests, not mine as a customer and charge a total fee of {$240.00}. This situation makes more difficulty my ability to bring my account positive and use my incoming direct deposit to pay other bills. 
I would greatly appreciate your assistance to this matter. Thank you, once again. XXXX
Product: Credit reporting or other personal consumer reports

Their are two accounts that shall be removed immediately from my Equifax credit report immediately these accounts are reporting incomplete and inaccurate information.
Product: Money transfer, virtual currency, or money service

I am reaching out regarding a Fraud-claim dispute I opened with Account Holder XXXX XXXX Properties regarding a check they issued me in refund for an application fee. Here is the following information I have gathered : XXXX. The check for {$200.00} was mailed & deposited to my previous address in XXXX XXXX NJ on XX/XX/XXXXXXXX XXXX XXXX. The check was deposited into a Chase bank on XX/XX/XXXX. 
XXXX. The XXXX # was XXXX I never received this check & reached out to the Merchant/Account Holder to raise these concerns and open a dispute claim. I was told they would get in contact with their Accounting Dept. A month later, the only information that I have received is that the check was deposited into a Chase Bank account ( which I do not possess ). I reached out to Chase Bank to see if I could receive any information about the account the check was deposited into & was told they could not relay the account information to me since I was not a customer with them. 

Additionally, I am also trying to dispute things with the Merchant 's bank XXXX XXXX XXXX  XXXX XXXX XXXX  who produced the check. So far no one has given me any definitive information about who cashed the check that was addressed to me & how I can get my funds properly returned to me.