23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello Transworld, The property was sold on XX/XX/2018 and informed XXXX of the closure account over the phone. The balance was nil. We have also sent a copy of the HUD statement to XXXX on a follow-up call with XXXX. XXXX has agreed to clear the balance upon receipt of the HUD statement. This was already reported in the past and removed after investigation. Not sure why it is popping up again. The balance is incorrect and is more than 3 years old. You are trying to collect the balance illegally and unethically hurting my credit score. This is the last warning before any legal action and damages for {>= $1,000,000} damages to Transworld Systems. Please find the attached HUD statement provided to XXXX and take the necessary action. 

Note that the name in the statement is not mine. Not sure whether this causing the issue with XXXX. 

In accordance with the Fair Reporting Credit Act, this creditor ( Original creditor - XXXX XXXX, collection agency - TRANSWORLD SYSTEMS INC ) has violated my rights under section 15 u.s.c. 1681 section 602 states I have a right to privacy. Under section 15 u.s.c. 1681 section 604 a section 2 says that the consumer reporting agency can not furnish an account without my written instruction. The collection amount and date are incorrect and it was already reported to the Original creditor - XXXX XXXX and the credit collection agency - TRANSWORLD SYSTEMS INC.
Product: Credit card or prepaid card

I opened up a self-builder account back in XXXX through Self financial, Inc- with the intention of building credit. At the on-set of establishing the account, and in the signed agreement between Self Inc and myself, the company is to return all monies given to them ( security deposit ) at the end/completion of the term. This account remained in good standing through the duration of the loan, and once I met/satisfied the terms of the loan, I was given the option to either a ) have the deposit of {$500.00} returned to me or b ) convert the money into secured credit via a Self-issued credit card. I decided to have the deposit rolled over into a credit card and used it on/off for months. Fast forward to Wednesday, XX/XX/XXXX - I received an email from self out of the blue that my account was scheduled to close in 24 hours, and if I had any questions, to contact them. I immediately replied to the email to let them know that I did not request for my account to be closed and asked for them to provide more information on why I was receiving the email. They responded, alleging some " suspicious activity '' and that they will be holding my payout until they conducted " further '' review. I called countless times to speak with someone about the account, along with inquiring about this suspicious activity they were alleging. Noone could provide me with further information, nor did I receive any correspondence to my home. It is bad business acumen to not provide consumers with details surrounding their accounts, especially when you are alleging suspicious activity. I did some more research only to find that many people encountered this same situation when they were inquiring about their deposit/pay out. As it stands, I have not gotten a response to my last two email ( s ) and I am owed {$390.00} from this company. I would appreciate if they return my deposit - that it RIGHTFULLY mine. They can't just keep my money like that. Return it per the agreement. This is absolutely ridiculous.
Product: Debt collection

XXXX XXXX XXXX, junk debt collector trying to collect on a debt that was XXXX in bankruptcy in 2005. 
Calls repeatedly numerous times of the day. Have explained the debt was XXXX in bankruptcy and asked them to stop calling. They hang up on me and begin to call the next day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the Experian and XXXX credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$610.00} ; XXXX XX/XX/XXXX.
Product: Mortgage

XX/XX/XXXX we completed a Deed in Lieu on a rental property. We had submitted all the required documents and was paid cash for key. We received a document dated XX/XX/XXXX Deficiency Waiver Agreement. When Green Tree transferred to Ditech we started receiving calls that we were late. I was informed that 3 months after we completed the paper work they went to record the deed and the property had been sold in a tax sale. As of XX/XX/XXXX we started receiving notices from XXXX XXXX XXXX XXXX XXXX about foreclosure. I have made every attempt to resolve this with both the Attorney and Mortgage Company with no resolve
Product: Vehicle loan or lease

I was approved for a car loan from Navy Federal for {$54000.00} for a used vehicle never received but the perpetrator cash the check I was notified by Navy federal for a car note I told them I never received a car at all so now I filed a IC3 Complaint and a FTC report as well the Detective on this Case is XXXX XXXX and case # XXXX XXXX  have a Claim for the XXXX XXXX XXXX drop from a XXXX to the XXXX I have paid everything on time can you fix this problem you can contact the Detective XXXX Navy federal knows what going on and I was told on of the perpetrators is in custody I need you to take all the loan accounts on my file Thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00}, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I have contacted them to remove multiple accounts from my credit report and they have not yet. It has been over the time limit and they still refuse to remove them. There are accounts on my report that are from XXXX, and the dates on some of them say the last payments were made in XXXX and that is not correct. I only used these cards for a year at the most which would make them closed in XXXX. And that would mean they are 11-12 years old. And I do not know why they changed the dates to XXXX, maybe to keep them on my report longer, but that still would make it 8-9 years on my report even if it was from XXXX. 
The accounts are XXXX XXXX XXXX credit card accounts, XXXX household bank credit card accounts, an express account, an old XXXX account ( not the new XXXX ). And XXXX or XXXX other ones. I think the total is XXXX accounts that are supposed to not be on there and I 've asked numerous times for them to remove them without any luck. 
Please can you assist me in having them remove this from my report? 
Thanks XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX- Experian XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX- Experian XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX - Experian XXXX XXXX Inquiry Date : XX/XX/XXXX Need to get removed - XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Need to get removed - XXXX
Product: Consumer Loan

Long story, short ; I originally took out loan from XXXX XXXX XXXX. Secured by auto title. Original loan for around $ XXXX. Made ALL payments on-time. With around $ XXXX left on loan balance received a letter from Green Tree Servicing that they now owned loan. Agreed to continue payments as long as they sent proof they actually had loan. Could not contact anyone from XXXX XXXX XXXX to verify. Made a few more payments but never received any proof of loan by Green Tree. Stop payments. They started harassment campaign. I sent Cease & Desist notification. The reported my loan as " charged off '' and farmed off loan to XXXX XXXX XXXX and they immediately sent proof of loan and paid {$950.00} to resolve matter and they reported as paid in full to all credit reporting service. And sent me back car title. Green Tree still reports loan as a " charge off '' and has reeled havoc on my credit report. Can not close kids college loans because of it. Hired a lawyer to try and resolve with no luck. All of this over a very small amount of money. Craziest thing I have ever dealt with. Even sent them letter I 'd pay whatever they want to just make it go away. They said NO! I 'm 100 % in right from start to finish on this.
Product: Credit card or prepaid card

I was charged a total of {$80.00} on my XXXX credit card for what they said are cash advances. I have never used my card to receive a cash advance. I paid for items through XXXX XXXX and they claim that I used my account to take a cash advance and was therefore subject to a cash advance fee. I have used other credit cards via XXXX XXXX   and have never been charged a cash advance fee.This is no different than paying for items through XXXX XXXX or XXXX, but they consider XXXX XXXX a cash transfer service and am subject to the fee. I can understand being charged a fee if I truly used my XXXX credit card to withdraw money from my credit card, but I did not. I have filed a dispute with them, but I received a letter back declining the dispute. I was charged on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX and the last one on XX/XX/XXXX. Each of these times, I was charged a {$10.00} cash advance fee. I was unaware of these charges, until I received my statement in the mail.
Product: Debt collection

Dear Sir or Madam : I am a victim of Identity theft and I have tried multiple times to stop the debt collection that is under fraudulent activity. This has affected me tremendously and I can not move my family into a home, currently, I am technically homeless and this is not fair that my family and I have to suffer. I have to stay with friends and family and this is causing stress on my family. Please help me get these fraud accounts removed from my credit report and file a complaint.
Product: Mortgage

Western Security Bank ( Glacier Bank ) underwriting requirement imposed The applicant can not have any late mortgage payments 12 months prior to the application ''. This requirement results disparte low income residents of the City of XXXX, Montana access to federal assistance programs ( XXXX ). 

Im a Protected Class citizen Guardian of XXXX XXXX XXXX XXXX XXXX. I am very concerned about my child 's lead paint exposure. My application to the City oXXXX XXXX submitted XX/XX/2020 was denied based on the imposed requirement implemented by Western Security Bank and City of XXXX The Federal Housing Program is made unavailable to low income residents and results disparate from access to Federal Housing Rehabilitation program assistance. 

Disparate impact on our community and direct impact forcing blight and homelessness. Federal Assistance programs were adopted to serve low income persons ; which Western Security Bank and CIty of XXXX have created their own set of rules to avoid assisting our low income population housing needs, thus no Fair Housing can be found. 

I needed a Federal Assistance XXXX XXXX LOAN to remove lead paint, repair windows and fix a water leak. Western Security Bank and City of XXXX violated my rights and held the program above me, as if almighty. My application was denied 3 times including board member and city council voting. Its a group thing. 

Included the attached you will find City of XXXX  recommendation to City Council proves privacy in communications violations and false statements.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Mortgage

My Mother passed away in XXXX. She had a reverse mortgage. My brother who is XXXX XXXX lived in the property with her when she took out A reverse Mortgage from XXXX in XXXX. The loan officer told XXXX them that who ever is last to die can remain in the property, They would not let my mother do the borrowers education they had the XXXX XXXX XXXX wife do it. My husband and I decided to move back into the property to pay of the 95 % of the appraised value so my XXXX brother would not be homeless. We contacted Reverse Mortgage Solution, they did the appraisal and gave us a pay off. XXXX from Reverse mortgage told us to put the deed into me and my husbands name. So in XXXX of XXXX we did that. We contacted XXXX XXXX at XXXX XXXX to obtain a mortgage to pay the {$200000.00} Reverse Mortgage in full. He told us everything was fine we qualified. He paid us pay XXXX appraisal fees. After 4 months of waiting we were told we do qualify to buy any home but my moms because its FHA and we should not have put the deed in our name. XXXX only did what the bank told us. XXXX XXXX with XXXX XXXX XXXX XXXX, NJ told us we were fine and to just ignore the foreclosure paperwork. Now as of this past Friday we were told we are approved o buy ny home but my mothers?????? because we switched the deed into our name in XXXX of XXXX upon the advice of XXXX with reverse Mortgage solutions. Now we are faced with being homeless along with my XXXX brother and XXXX XXXX XXXX child. I contacted XXXX XXXX office and spoke to XXXX of his aides. He advised me to file a compliant with your agency immediately to stop the foreclosure until this is fully investigated because Reverse Mortgage Solution still has XXXX unanswered copliants from XXXX Office that they failed to respond to. I have at least XXXX pages of correspondence to XXXX XXXX XXXX who then sold the Loan to Reverse Mortgage. The Original letnder was XXXX who defrauded my mother and XXXX brother now we are being misled by XXXX at Reverse Mortgage and XXXX XXXX at XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal, Texas Laws, and Louisiana FCRA Identity Theft Fraud Laws Dear PRO COLLECT, I am writing to bring to your attention a concerning matter involving the unauthorized reporting of information to my credit report, which contravenes the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ). Additionally, I wish to highlight relevant provisions in the Texas Finance Code under Sections 392.301 and 392.305, as well as identity theft fraud laws, particularly Louisiana FCRA Identity Theft Fraud Laws. 

It has come to my unequivocal attention that XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA, a federal law, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In conjunction with federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code provides clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws, such as Louisiana FCRA Identity Theft Fraud Laws, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially causing damage to my creditworthiness and demonstrating a disregard for federal and state laws. 

I demand, with the utmost certainty, that PRO COLLECT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws, including those outlined in Louisiana FCRA Identity Theft Fraud Laws. 

Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity theft fraud laws in Louisiana. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that PRO COLLECT will promptly rectify these egregious violations, respecting my rights under federal, Texas, and Louisiana laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax Credit Bureau a 609 letter to validate the incorrect accounts that is being reported on my credit report. This was back on XXXX XX/XX/2021. I have yet to receive any response back in regards to the matter. The following accounts follow : 1. The following account is not mine XXXX 2. The following account is not mine XXXX 3 . The following account is not mine XXXX 4. The following account is not mine XXXX XXXX 6. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/2021 7. The following Inquiry is not mine XXXX  Date of Inquiry : XX/XX/2021 A 30 day demand to comply was also sent to Equifax Credit Bureau as well, which they failed to adhere to. Please see attached documents
Product: Debt collection

The information about this debt is not accurate. Please remove from my credit report.
Product: Debt collection

As a federally protected Consumer, I am here to contest any purported accusations you are now reporting on my credit report.

In accordance with Section 809 ( 8 ) of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, the Consumer requests verification from you ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Experian and XXXX  an account which needs to be removed from my Credit Report. XXXX agreed to completely delete the account from my credit report. They even provided me a letter stating this information which I have sent to both Experian and XXXX. When I spoke with XXXX they informed me that they let XXXX  and Experian know to delete the account but when submitting the disputes the account remains on my credit file. Please assist me with this.
Product: Credit card or prepaid card

There was a fraudulent credit card account opened in using my personal information. The account was opened in XXXX of 2018 and this still hasnt been resolved. Ive been getting the run around for almost two years and my credit score has been destroyed because of this. I had no choose but to hire a lawyer. Once my lawyer was hired Discover started to cooperate and we received a letter stating that the trade line will be removed from my credit file. Once I thought this was resolved Discover started stalling again, and not only had the negative, fraudulent account remain on my credit file, it has been moved to collections, furthering the damage to my credit score. This is my last attempt to resolve this as I will be hiring my lawyer again to pursue legal action against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX REPORT PROVIDED BY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX FAX XXXX Falsified my credit report for company listed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX XXXX I have evidence/proof of previous credit report also requested from all three bureaus XX/XX/XXXX to verify scores stated/attached.
Product: Credit card

I purchased XXXX XXXX XXXX from XXXX but received a completely different item. I initially contacted XXXX customer service over the phone to address the issue. I was instructed to return the incorrect item to a XXXX store, but the store 's customer service refused to accept the return, citing the lack of a barcode for the original item, which I never received. 

When I asked to speak with a supervisor, they refused to talk to me. I then contacted XXXX customer service again over the phone. The issue was escalated, and I later received an email response advising me to dispute the transaction with my credit card company. 

I filed a dispute with Discover and provided all supporting evidence, including a photo of the incorrect item delivered and the email from XXXX customer service recommending a dispute. Despite this, Discover rejected my dispute, claiming they could not validate my claim. 

I am seeking assistance to resolve this matter, as I believe I have provided sufficient evidence to substantiate my claim.
Product: Debt collection

For the past 3 years, I've been having to dispute apartment collections in Georgia as a result of identity theft. I've never lived in Georgia. This keeps happening. I submitted my police report, my statement, my ID my social to the debt recovery company. I've contacted them multiple times and they keep saying they are looking into it and they'll get back to me but they never get back to me and don't make any progress in the dispute. They are not being honest and not really disputing, they are leaving it open in hopes that I will just pay it. I will never pay it. It is not mine to pay, nor my fault. The fault is the apartment company who was complicit in a criminal using my social to rent one of their apartments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan  because of this XXXX  XXXX XXXX.