23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear CFPB, I am submitting a formal complaint regarding a potential violation of the Fair Debt Collection Practices Act ( FDCPA ). I am currently being pursued by two separate debt collection agencies regarding the same debt allegedly owed to XXXX. 

The first agency, XXXX XXXX XXXX, is attempting to collect the debt under account number XXXX XXXX The second agency, Transworld Systems Inc., is also attempting to collect the same debt under account number XXXX. Both agencies claim to represent the same creditor, XXXX, but the amounts they are seeking differ. 

Specific Issues : Multiple Collection Agencies : Both XXXX XXXX XXXX and Transworld Systems Inc. are attempting to collect the same debt owed to XXXX. 
Discrepancies in Amounts : The amounts claimed by the two agencies differ, which has caused confusion as to which agency is authorized to collect the debt. 
Insufficient Debt Validation : I have received documentation from Transworld Systems Inc. That includes a summary of move-out charges. However, this does not constitute sufficient validation of the debt under the FDCPA.

Legal Justification : Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), debt collectors are required to provide validation of the debt upon request. This includes : Proof of the debts amount and nature. 
Proof that the debt collector is legally authorized to collect the debt. 
A simple summary of charges, such as a move-out charge list, does not meet the standard for debt validation under federal law. According to 15 U.S.C. 1692g, validation of the debt must include the original agreement or contract that established my obligation to pay, along with evidence of any assignments or transfers of the debt between agencies.

Further, the Consumer Financial Protection Bureau 's regulations under Regulation F, which became effective in XXXX, clarify that debt collectors must provide clear and accurate information, including itemized details of the debt and evidence that the debt collector is entitled to collect. 

Request for CFPB Action : I kindly request that the CFPB investigate the following : Determine the legitimacy of both agencies ' claims and ensure that only one agency is entitled to collect this debt. 
Enforce compliance with the FDCPA and Regulation F, ensuring that proper debt validation is provided, including itemized statements, original contracts, and proof of transfer, rather than a mere summary of charges. 
Provide guidance on how to resolve the discrepancies and conflicting claims by both XXXX XXXX XXXX and Transworld Systems Inc. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance in ensuring that my rights as a consumer are protected.
Product: Vehicle loan or lease

I Sent a letter to XXXX Before the Repossession explaining my financial circumstances additionally showing my offer letter from my new employer providing my income. Nothing was taken into consideration so that i could receive 1/2 weeks additional to pay on my car note. I was signed up for a 5 year contract however you can see that i was making payments. I Fell on hard times and didnt have a job for a select few weeks but as soon as i found employment i informed my car loan company to inform them on future payments i wanted to arrang.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report there is a late payment with XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

Ive had a chase auto loan since XX/XX/XXXX. Ive never had ONE missed payment. However, Im XXXX XXXX in the military and missed two monthly payments as my family switched bank accounts while I was XXXX. I just added my new bank account however, Im worried about what this is going to do to my credit. Last time this happened was 2 years ago and the Chase Auto loan specialist fixed everything on the phone and made sure I wasnt getting charged extra and that my credit wasnt going to get affected by this. He did this by backdating I believe. But now the same problem is occurring once again and Ive spent 3 hours on the phone with Chase, fighting and trying to fix this. Chase transferred me to the military line and theyre investigating my profile and XXXX XXXX dates because my profile meets the FDRA requirements and will cap my interest rate at 4 %. This is good, but it can take 30 days or longer, which isnt good especially for my credit. The chase auto loan specialists were pretty rude on the phone. I spoke to one who didnt know what he was talking about and then notified him that the previous chase specialist in XXXX fixed everything and backdated it for me and I hadnt had an issue in 2 years. I asked him to do the same thing for me and he refused. This is against FDRA policy to do this. Anyway, I not only linked my new bank account for autopay on this account but I called again and spoke to XXXX, a supervisor at XXXX EST and we got the account current for the months I was XXXX. Now that that is all done, he said to do this to get the additional fees removed for return check fee and late charges. Returned check fee is because I switched banks and the late charges are from my XXXX. Im XXXX again in a couple of days so please fix this and get the fees taken care of chase and please make sure that these two payments are not going to negatively affect my credit. I will pursue this in small claims court if I have to. Thank you.
Product: Checking or savings account

From XX/XX/XXXX to XX/XX/XXXX, I was incarcerated first in XXXX XXXX jail then in XXXX XXXX. During this time, someone used my Chime bank account and spent {$4200.00}, through XXXX separate transactions, from XXXX XXXX to XX/XX/XXXX. It has taken me nearly XXXX XXXX yrs just to gain access to my account again, XX/XX/XXXX. I immediately disputed all the charges made during the time I was incarcerated. For some reason, the charges were filed in XXXX separate disputes. The first one was denied in XXXX hours XXXX minutes. The second, exactly XXXX hours, and the third, exactly XXXX hours, all denied in less than 24hrs. I didnt even have a chance to get the documents they needed to prove I was incarcerated. I then filed rebuttals on all three on XX/XX/XXXX with Proof of Incarceration papers from the XXXX of Georgia. I have also filed a police report which I am waiting to be mailed, due to the fact that I live too far to pick it up. Even with ironclad, 100 % proof positive theres no way I could have made these transactions, the bank has denied the rebuttals. This time, at least, they took 6 days to investigate, or pretend to investigate. It isnt fair, it isnt right, and I believe the bank should face criminal charges for deception, fraud, and maybe even theft. I cant afford to just lose {$4200.00}, I dont anyone who can. When I regained access to my account, I fully expected my money to be in my account. At no time did I think it wouldnt be. I didnt authorize anyone to use my money, I didnt receive any of the money, and I have done everything I can to prove it. I feel that have proven beyond a shadow of doubt it wasnt me
Product: Debt collection

Illegally trying too obtain debt not owed by me too a contract I have no history with
Product: Credit card or prepaid card

I received a bill from my Capital One credit card for {$95.00} annual fee and called on XX/XX/XXXX asking for the annual membership fees to be waived, but my request was denied. I requested to cancel my credit card and representative informed me that I had XXXX rewards points and he could send me a check for {$11.00} which was half of my points worth. He stated that in order to receive the whole amount of {$22.00}, I could to make a restaurant purchase and apply the whole amount. He informed me that I had 45 days until XX/XX/XXXX to make a payment for membership. 
When I made a restaurant purchase on XXXX, my credit card was declined. When I called customer service and spoke to manager XXXX, I was told that my card was past due and on hold due to my membership fee not paid on XXXX and I can not redeem ANY of my points until I make the payment. I reiterated to her that I was informed differently by the previous agent, and she said this was not correct and she would obtain a conversation recording for XXXX. 
On XXXX I received a call from another manager XXXX who stated that they completed the investigation and found no wrongdoing on representatives site and that I had to pay my membership fee to bring account back to active. It was very frustrating to hear that after I was misinformed by the representative on XXXX, no action was taken and I had to suffer the consequences and was forced to forfeit my rewards points earned. She once again declined my request to waive membership fee to bring account back to active and for me not to lose my points. 
It was very upsetting that management did not admit any wrongdoing and was not able to find ANY solution to solve this issue. 
I cancelled the card to avoid any late fees and requested for a check to be mailed with my points earned but was denied. 

I filed a grievance with the credit card and received a denial again. 
CASE # : XXXX Account ending in ... XXXX Capital One practices deceptive practices and conducts unclear disclosure of information to their customers. 

I am a XXXX XXXX and feel very disappointed that customers could be so mistreated by credit card company. 

I ask for your assistance in this matter. 

If you have any questions, dont hesitate to contact me at XXXX. 

Sincerely, XXXX XXXX, XXXX
Product: Checking or savings account

Hello, my account was closed around XXXX XXXX I was XXXX XXXX XXXX at the time. I noticed I couldnt login my account , it had said my password was changed when I clearly never shared my password to anyone. I immediately called Bank of America & they told me I can go ahead and close my account and reopen another one I said yes thinking I was going to just open a new account. But when I tried to re open it didnt let me, it said I had been reported to XXXX when it wasnt my fault at all. I please ask for help to reopen my account I cannot even start my credit I am XXXX  years old this is not far at all.
Product: Debt collection

Illegal cancellation of orders User ID : XXXX I have sold XXXX items on this selling platform, and I have already shipped those itemes to the buyer, but the Mercari platform illegally cancelled my entire order. I can't receive the payment ( XXXX $ ), I demand the mericari platform to compensate me for my loss!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$220.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$600.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00}XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$110.00}, XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$820.00}, XXXX XXXXXXXX Balance : {$31.00}, XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX Balance : {$240.00}, Inaccurate Personal Information : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX
Product: Student loan

I had a Perkins Loan at the University of XXXX XXXX in XXXX, Texas. I am enrolling in college at another university in the fall, 2018 and my admission into the university is on hold due to the University of XXXX XXXX putting a hold on my transcripts. 

I have spoken with the XXXX contact at this university for several months now who has been rude, condescending, and unprofessional to me in how he has spoken to me, however, he suggested that I do a loan consolidation to pay off the Perkins loan. 

I did do this loan consolidation and the loan was paid ( approximately {$2800.00} ) except now the XXXX contact says there is still over {$1000.00} that needs to be paid before my transcripts will be released. 

The XXXX contact says that a Williams & Fudge agency has been contacting me about my loan. I have never received any letters, phone calls or e-mails as far as I can recall about any correspondence with any Williams & Fudge agency and in fact when I did speak to XXXX ( my loan provider ), I was told that my Perkins loan had not defaulted. 

I have been unemployed and XXXX  XXXX and unable to work and that is why the payments were late, but now even after the loan has been paid, University of XXXX XXXX is still unwilling to release my transcripts until I probably have to pay this extra {$1000.00} + I'm guessing as collection fees. 

Again, I do not recall getting any information from any type of Williams & Fudge agency correspondence and I most certainly do not agree with any additional fees which are 1/3 the cost of the overall balance of my Perkins loan. 

Best regards, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Call : XXXX XXXX For any queries/feedback, write to us at help or call us on XXXX Like us on
Product: Mortgage

I filed a complaint with CFPB regarding Ditech Financial and their accounting practices and holding mortgage funds in suspense and creating an excessive delinquency. Since my original complaint, Ditech has began returning my mortgage payments. I have made bi-monthly/bi-weekly payments since XX/XX/XXXX. At one point the mortgage company did the auto-draft payment withdrawals every 2 weeks. I stopped the payments when my pay days changed and I was unemployed. However, I continued to send in the payments. Ditech always accepted the payments until XX/XX/XXXX. I believe that it is retaliation for the letters to my US Senator and for filing a complaint with CFPB.
Product: Vehicle loan or lease

Westlake Financial Company that has an address in California started off with love but when it was hard at times, such as this one, with the verbal exchange between myself and the company, its really difficult for them to compromise and be lenient for me. I was recently sent a letter stating that it would be sold on a specific date and time during this month of XXXX after explaining to a representative over the phone about starting a new job, which was personally a decrease in finances. Therefore, I consider it a life changing circumstance and have since wrote a letter of my intentions of receiving the title with the vehicle still in my name and possession.
Product: Debt collection

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX Date - XX/XX/2021 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be re-investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your investigation.

Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your re-investigation " no later than 5 business days after the completion of the investigation. '' According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thanks in advance for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Sofi Bank has locked my account and claims it is under review and is temporarily restricted. It was opened in the XXXX 2024. I have been able to use and access the account in the past. There are ample funds, the checkbook and debit card are in my possession. They could not tell me what the issue is, or how long it is under review. They will not allow me to access any of the funds. It is very frustrating and unfair.
Product: Mortgage

XX/XX/XXXX we received a letter from Ditech financial stating we were behind on our escrow. I contacted the company to find out what was going on, as my husband is a XXXX, we do not pay property taxes. I was assured that everything would be fine and the tax department would look through the paperwork again and fix the problem. By XXXX we were receiving nasty letters stating that we were behind on a payment- we have NEVER missed a payment, we pay a little extra on our payments. 
We have spent HOURS almost weekly since XXXX trying to find out what is going on with our account. XX/XX/XXXX we were sent a check for the extra payment in the escrow. We called multiple times to find out if the check was correct. Everyone we spoke to said the information was correct and the check was overages in the escrow. The amount of the check was approximately {$1800.00}. 
Ditech finally got read the correct paperwork showing that we didn't pay property taxes, however, since that time we have been receiving letters stating that we are behind a payment. As I stated earlier, we have never missed a payment, or been late on a payment. 
Every time we call we get the run around, and no one seems to know why there is a payment missing or where it is. We end up having to go through the ENTIRE 6 months of calls with the person we speak to, there have been no notes kept on the account. We are now getting letters threatening to enter pre-foreclosure. Our loan is a VA loan, which threatens the ability to get another VA loan in the future. 
I have spoken to others with Ditech and they have had the same experiences we are having. I have sent letters and made phone calls, with no response from Ditech. This has dropped my husbands credit score by more than 100 points, we can't even trade in our vehicles due the problems they are causing. At this point I don't know what to do, especially if we can't get help resolving the matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts associated with my credit report. I am a victim of identity theft and believe these accounts were created without my knowledge or authorization. My personal information was exposed in the XXXX data breach, which has significantly impacted my financial security. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to have fraudulent information resulting from identity theft blocked from my credit file. Please consider this letter as my official request to investigate and address this matter immediately The accounts I believe to be fraudulent are as follows : [ Provide details of the accounts-e.g., creditor name, account number, date opened, etc. ] To assist with your investigation, I have enclosed the following along with with the accounts listed above. 

copy of ftc report, proof of address,
Product: Credit reporting or other personal consumer reports

Recently, I noticed that I am starting to receive collection mails from banks. I called and asked what is going on, and I was told that there are several accounts opened last year with my information. I told them that I have never submitted any types of application to their companies. They asked my address, email address, phone number, social security number, date of birth, and name. Surprisingly, Some of cards mailed to my business addresses, and some of them were mailed to my home in the state of GA. However, I never received those cards before. I travel from state to state for my business, so I couldn't check my mailbox everyday. Maybe someone got access to my mailbox and took the card after they applied for it. But that does not mean that I am responsible for these cards ' payments and outstanding balances. I already informed what is happening, and I also submitted FTC report to Experian, XXXX, and XXXX. It has been about few months now, but I see no changes in my credit report. As a business owner, I was planning to expand my business in other state this year, but with current status of my credit report -- full of credit cards that I have never applied for -- I can't even get any commercial loan. I am not sure what my credit bureaus are doing, but although I submitted all documents they requested ( copy of my driver 's license, social security card, utility bill, and FTC report ), I see no efforts of my credit bureaus. Everything remains same, no updates, nothing. My most recent dispute case closed with the result of " these are correct information '' did not explain anything. I don't know what kind of document or verification document they received from credit card companies, but I never got a chance to look at it. I asked if they can send me a copy of what they have, but they rejected my request and said : unfortunately we can not provide you any documents from creditors due to privacy information. Well, they started dispute case because they were able to verify that I am the one who submitted these disputes. Then how come they can not provide me any proof for privacy issue? Representatives said that they sent out a mail explaining everything, but the result letter did not explain anything. I just saw a letter saying their investigation concluded as " they are all correct information. '' BUT HOW DO THEY EXPECT ME TO AGREE WITH INVESTIGATION RESULT WITHOUT ANY PROOF? I don't even know how identity thief obtained my information, what kind of information was submitted. I can't understand or agree with their process of investigation. As a result, they made me come to you ( CFPB ) and to ask for help with my current status. I never applied for any credit cards with these companies.