23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I paid off a debt from XXXX  XXXX XXXX  company XXXX XXXX XXXX XXXX XXXX. Paid by money order {$320.00} by certified mail, received from XXXX  letter stating paid in full, everything fine, On XX/XX/XXXX, I received a letter this time from Convergent Outsourcing/XXXX  XXXX  XXXX  stating I owe the amount but if I pay half. That constitutes Mail Fraud under 18 USC 940 ( section 1341 ) I made all copies of all my documents back from XXXX including certified letter, and money order to Convergence. In addition, I contacted the original collections, XXXX who stated " everything was paid off years ago, creditor notified ''. This is a scam and needs to be investigated. How many people pay off their debts, forget about it than get a letter saying if you pay half? This is deception in it's purest form and constitutes the legal basis of fraud. This agency and the FTC needs to investigate immediately and shut these operations down. I have these companies ( 14 ) days to correct their activities otherwise I will file in a California Superior Court. In addition, will file a complaint with the California Attorney Generals Office.
Product: Debt collection

Between XXXX i was employed with my former employer i did make visit at the urgent care department at the medical center for an related pain in my right. I did provided my insurance information to them asked several time i was here to be seems by URGENT CARE I don't know really happen and within that time my employer did change their medical service provider like that to another medical service provider.When i contacted my employer the told me that the contacted the hospital and was still waiting to hear from them. I did called the hospital and told them what happen but after two to three months i received a called saying i owned fees for the urgent care service which is {$690.00}. 
Moreover i did called the hospital and told them to contact my employer but i don't know if the did until i found out that the payment was place with an collector company.
Product: Debt collection

I am writing to file a formal dispute against Transworld Systems Inc. regarding their debt collection practices. On XX/XX/year>, I contacted their customer service department to address a debt they claim I owe. During the call, I provided XXXX representatives with the reference number associated with the debt. Despite this, the last representative continued to pressure me to provide additional personal information, even after I had already offered the reference number. 

I made it clear to the representative that I wished to dispute the debt and that I had until XX/XX/year> to call/ write and dispute this debt, furthermore, requesting that all further communication be conducted in writing. However, the representative insisted on attempting to validate more information over the phone, and when I reiterated my request to dispute the debt, the representative abruptly ended the call, stating that they could not continue without more validation and would note that I am disputing the debt. 

I believe this behavior is not only inappropriate but also violates my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I am requesting that Transworld Systems Inc. cease all phone communication and only contact me in writing going forward, as per my legal rights. 

Please review this complaint and assist in addressing this issue. I am requesting that Transworld Systems Inc. be held accountable for these practices and that they be instructed to cease harassment via phone and adhere to my preferred method of communication. I want them to cease all attempts to collect this debt until a full investigational and validation of this debt has been made and they has legal rights to collect on this debt they claim I owe. A certified letter has been sent to this company in addition to the call made on XX/XX/year>. 

Thank you for your attention to this matter. Please contact me if you require any additional information. 

Sincerely,
Product: Debt collection

On XX/XX/2024 I mailed letters to Debt Recovery Solitions. Ive also emailed them a copy of the complaint from the XXXX XXXX XXXX XXXX XXXX And waited 15 days for a response, but I did not get a response. On XX/XX/2024 I called but did not get an answer.
Product: Credit card or prepaid card

Dear COMENITYBANK/VICTORI # XXXX ; I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX TO XX/XX/2019. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, and being hospitalized, loss of a family member, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

XXXX XXXX has a massive reputation by now that they hold your funds XXXX if you try to transfer out to another bank. The wallet app on XXXX will tell you the transfer is pending and that it will take 1-3 days. The truth is, however, they are putting a hold on the transfer pending verification. There are no indications of this nor any email or notifications to resolve the hold. As a customer, I only found out that more than 5 days have passed and my money still hasn't arrived. I contact XXXX XXXX customer support and they asked me to call a number. The customer support on that number then asks me to verify some things. I did. Then they tell me my transfer is now in " review '' status. They can't tell me what that entails or what will happen at this point. They can't tell me whether my money will proceed or when I can expect it to show up. The problem for me now is that it's the XXXX, and all my autopay for my credit cards are hitting my Ally Checking account. I do not have sufficient funds. All my credit card payments will bounce for having no balance, and I will have late fees and ruined credit history. XXXX XXXX with Goldman Sachs is a scam and they should be held liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I followed the FTC 's links to freeze my credit. The link to TransUnion provided by the FTC links to a paid site that makes you create an account. When I went to freeze my score TransUnion asked for a credit card. At no point did it indicate that I would be charged a fee or be subscribe to a service provided by TransUnion. TransUnion then proceeded to charge me $ XXXX monthly. I called the company and after falsely stating there was nothing they could do, a representative agreed to issue me a refund. However, TransUnion refuses to give me a receipt for the refund, claiming nobody in the entire company, including the CEO (? ) has the ability to send an email detailing the refund. 

https : //www.consumer.ftc.govXXXX
Product: Mortgage

I applied for a mortgage with Home American Mortgage, a subsidiary or XXXX XXXX XXXX in which I felt pressured to obtain their mortgage due to the extraordinary incentives that the builder would provide. If we obtained a mortgage with Home American Mortgage for our new home we would get {$25000.00} off of the price of the house. I applied for the Mortgage on XX/XX/2022 and did not receive the required disclosures, including the Loan Estimate until XX/XX/2022 violating the three day initial disclosure requirement. I further was charged for costs I now understand I did not have to pay due to their failure to make proper disclosures to us. I feel this the practice by XXXX XXXX XXXX and Home American Mortgage to limit our choice of mortgage providers, with their extrodinary incentive of {$25000.00} to be a highly deceptive practice when they can not meet the disclosure requirements established for consumers to evaluate our right to choose an appropriate lender. We ultimately had to close on our mortgage with Home American Mortgage under discussions of them unlocking our rate if we did not close on the home. We were forced to purchase a home in sub par condition, at the threat of loosing our rate in an increasing rate environment where we would have suffered a long term financial hardship should we delayed the closing for the builder to correct the work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my complaint # XXXX XXXX XXXX has agreed to REMOVE a paid collection with XXXX XXXX  from my XXXX and XXXX credit reports entirely. I will attach their letter to this complaint which is dated XX/XX/2022. I am asking for XXXX and XXXX to handle immediately as this is damaging my credit and I have been trying to get resolved now since XX/XX/2022.
Product: Consumer Loan

There is a breach of contract under the stipulation of late payment marked X on page XXXX. I contacted the corporate headquarter in XXXX and I was told that the automated system had set up my account to draft from my XXXX XXXX account on the XXXX of XXXX. 

I believe I was n't given the allotted 10 day time frame to be able tyo catch up on my missed payment. Please mediate for me as I do n't know how to go about this situation. 

Thanks and here are the paperwork needed for my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

To Whom It May Concern, This letter serves as a formal demand for your company, LVNV FUNDING, to immediately cease and desist all communications with me regarding the alleged debt. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my legal right to request that you stop all direct and indirect communication with me, including phone calls, letters, emails, and any other form of contact. 

Your ongoing attempts to collect this alleged debt, whether through harassment, intimidation, or misrepresentation, will not be tolerated. If you believe this debt is valid, you are legally required to provide full and complete validation before attempting any further collection efforts. 

To ensure compliance with federal law, I demand the following : Verification of the Alleged Debt Provide a signed agreement proving my obligation, a full transaction history, and evidence of your legal right to collect. 
Immediate Cessation of Communication Any further attempts to contact me outside of legal exemptions will be considered a willful violation of my rights. 
Compliance Confirmation You must acknowledge in writing that all non-essential collection activities have ceased. 
Failure to comply with this request will result in formal complaints being filed with : The Federal Trade Commission ( FTC ) The State Attorney Generals Office Additionally, I reserve the right to pursue legal action against LVNV FUNDING for damages related to unlawful debt collection practices, harassment, and emotional distress should you fail to adhere to this notice. 

This letter serves as official notice under the FDCPA. I expect immediate action and a written response confirming compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
permission. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX & XXXX XXXX XXXX : {$250.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX & XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my Second Notice to Equifax For there Further Identity theft of Non public information thats inaccurate and been deleted XXXX and equifax In reference to XXXX  Account number XXXX XXXX I do not understand the discrimination and and defamation on top of the identity theft methods Equifax is applying to me as a consumer I have explained in the last complaint and numerous complaints before why this account should not be reporting on my consumer file But equifax continues to dishonor me and never sent me the notice of investigation properly notifying me my concerns are being investigated Which is a violation to 15 U.S. Code 1681d - Disclosure of investigative consumer reports b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than days after the date on which the request for such disclosure was received from the consumer or such report was requested, whichever is the later 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notiWcation of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 


I never received any notice of investigation in the mail And to cap off This Further discrimination of equifax towards me Equifax has supposedly Responded To my XX/XX/XXXX cfpb Dispute referring to XXXX XXXX accounts that has nothing to do with that cfpb complaint that addressed Equifax aggravated identity theft on reporting of XXXX account XXXX XXXX So as my Second notice to equifax I am still Charging XXXX dollars each day this Non public and inaccurate information is still on my report I am giving equifax ten days to remove information off Report Or the next step I will be filing a identity theft report and submit a complaint to the Federal Trade commission and XXXX XXXX XXXX And United States congress I have attached documents below showing the Cfpb complaint That was supposed to be investigated Along with the XXXX  account I am referring to
Product: Credit reporting or other personal consumer reports

I HAVE PREVIOUSLY DISPUTED BANKRUPTCY XXXX WITH Experian, XXXX, and XXXX. IN RESPONSE, THEY VERIFIED THE ITEM AS ACCURATE, STATING THAT THEY HAVE VERIFIED THE INFORMATION WITH THE COURT. 

I CONTACTED THE COURT. AND THEIR RESPONSE IS THEY DO NOT REPORT OR VERIFY INFORMATION WITH THE CREDIT BUREAUS. 

IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE, YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. 

EITHER WAY. THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had not used my XXXX credit card in a long time and in fact had misplaced it. I called to have a replacement card sent and waited for it to arrive. It never did. I called once again and requested a replacement and it finally arrived. The automated service was painful to navigate. 
I made purchases with my card. I called to activate my card and to activate XXXX XXXX. I asked about setting up auto pay and was told I had to do that through the website online and was given the website address. 
XX/XX/XXXX - I set up auto pay and made a payment for the full balance ( {$38.00} ) on my account through the website. 
I received the first billing statement dated XX/XX/XXXX for {$210.00} and there was a late payment posted along with a late payment fee ( interest charged {$3.00} ). Of note, the statement showed that a payment for {$38.00} was made. I then also received two letters by regular mail, both dated XX/XX/XXXX notifying me that my payment was declined and that I was unenrolled from auto pay. 
I called customer support to try to resolve this and was informed that my telephone number was listed as unreachable. I made a payment for the full balance of {$280.00} ( numbers dont add up ) on XX/XX/XXXX through the website and reenrolled in auto pay after confirming that my bank information is correct. 
Next billing statement on XX/XX/XXXX, the payments were declined and interest charged at {$4.00}. Attempts at resolving this over the phone failed. I was told I had to go to a store to make the payment. I returned some of my purchases and called to see if balance had zeroed. Then I was told I can pay the balance remaining over the phone. I paid using a debit card and requested my account be closed completely as I did not want to go through this every billing cycle. 
I applied for a credit card through XXXX on XX/XX/XXXX and was informed that XXXX had reported that I made a late payment so my application was declined. 
Multiple attempts with XXXX to have them delete this from my credit report failed. They said the reporting is accurate and that they tried to collect payment from my bank and failed. I informed them that no such attempts were made through my bank and asked them to provide proof of them trying to collect, they could not provide proof. They could also not provide proof that my bank information was incorrect. 
I feel it is unfair for me to be penalized and my credit damaged by a company that has a malfunctioning payment system that engages in fraudulent charging of late payment fees and malicious and vindictive behavior toward consumers who choose to terminate their financial relation with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request a credit freeze/block/pin for Transunion, XXXX, XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed through all  XXXX  credit bureau stating i never had aacount with this company 's, they kept saying the account was verified. I sent a certified letter requesting validation of the debt with a copy of the application with my signature, I have not received anything. On  XXXX / XXXX / 17 , my credit monitoring sent an alert. from  XXXX .   XXXX   XXXX  t had updated the account from Charge off account in high credit is original charge-off amount to charge off account, unsecured, Amount in high credit is original charge-off amount. They refuse to remove this account from my credit report knowingly I never had an account with them and they have no proof to valid the account either that has my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX HAS NOT DONE A PROPER INVESTIGATION ON THE HARD INQUIRYS ON MY CREDIT REPORT. SINCE THE DATA BREACH THEY HAVE NOT DONE ANYTHING TO REMOVE ALL THE FRAUDULENT INQUIRYS ON MY REPORT. I DID NOT APPLY FOR CREDIT WITH ALL THOSE COMPANYS. I WOULD LIKE ALL THE INQUIRY 'S ON MY CREDIT REPORT REMOVED NOW. 

Under the Fair Debt Collection Practices Act Section 805 ( C ), it is my right to request that you cease contact with me. I am exercising my right to do so with this letter. I request that you immediately CEASE and DESIST all contact with me. 

If this final request does not prompt you to conduct a proper investigation of the items in question, or the immediate and complete REMOVAL of the INQUIRIES and NEGATIIVE COMMENTS from all my credit reports ( XXXX, XXXX, and Trans Union ) immediately. Please send proof to me of said investigation, I will file a civil suit in your county, or state for damages.
Your Company has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been filing this dispute for about the 3rd time I have not have had any luck with removing the items and its causing me a great deal of stress. ive provided proof and there hasn't been resolved please help me fix this issue so I can try to get a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit card or prepaid card

My wallet was stolen and used to create a fraudulent account with Barclays Bank Delaware in my name. 

I have attached a Police report as proof that my wallet was stolen and that the account is fraudulent.