23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There is currently a debt collection placed on my credit bureau from Transworld system Inc. They claim that I owe {$7100.00} to XXXX XXXX. I claim that this indebtedness started from an apartment building I owned over 10-years ago. XXXX XXXX was given instructions to turn off all utilities after I closed up the building. XXXX XXXX is posting a collection from over 10-years ago, and XXXX XXXX has gone past the legal timeline where they could file a lawsuit against me personally. Since I now live in the state of Tennessee, that is beyond any common sense scenario. Accordingly, I demand copies of all invoices pertaining to the attached XXXX XXXX account ( s ), and I will prove that XXXX XXXX has passed its legal collection timeline, and Transworld System Inc. no  longer has right to report this collection on any credit bureau. My address is attached to mail my requested invoices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes regarding accounts that do not belong to me and they are still reporting on my credit report. I also submitted multiple ftc reports regarding the accounts that do not belongs to me. These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Product: Debt collection

Central Portfolio Control is illegally trying to collect on a debt that is NOT mine. It was originally through XXXX XXXX XXXX who was previously notified of the debt not being mine and they could not verify the debt to which they removed it from my credit reports XXXX closed on XXXX  and I will a separate complaint about that ) and stopped trying to collect on it. 

Now XXXX XXXX XXXX has apparently sold it to Central Portfolio Control. This has been an ongoing issue for over 12 years of multiple collection agencies selling it to another agency and then the new agency will try to add it to my credit report as a " new debt ''. I have never had a XXXX XXXX 's card and do not ever get store cards. 

They don't have a single original contract from XXXX XXXX with my signature on it or anything of the sort as I never had it. 12 years of seeing this constantly pop up with random letters from various collection agencies trying to collect on a debt that can not be verified as it is NOT mine and has passed the statue of limitations The letter that Central Portfolio Control clearly marks that XXXX XXXX XXXX is the current creditor and that the original creditor is XXXX XXXX XXXX. That in itself is so far removed. I am sick of it!
Product: Payday loan, title loan, or personal loan

XX/XX/2019 I am writing to file a complaint regarding violations of the FDCPA by Tower Loan, XXXX XXXX XXXX, XXXX XXXX, XXXX, La. XXXX towards my rights by committing the following acts : 1. Tower Loan has repeatedly publicized my debt by calling my job, multiple times daily, even when I have spoken to them on my work landline and verbalize for them not to call my job, we can not have personal phone calls. I have even answered, spoke with tower Loan and hung up on the person after saying I cant talk Im at work and they would call back immediately ( XXXX XXXX ). 
Tower Loan employees call my job so much until the receptionist would get upset and tell them Im busy, then notify me verbally they called again.

2. Tower Loan employees have repeatedly publicized my debt to family and friends by calling them stating I need to call Tower Loan.

3. You can see in one of the emails from the receptionist Tower Loan revealed themselves as a debt collector. ( XXXX ) 4. You can see on XX/XX/2019 I received back to back phone calls from Tower Loan- HARASSEMENT. 
5. On XX/XX/2019, the lady in the white car, as shown in the attachments, shows up to my home hand delivered a letter to my husband for me, with the words FINAL NOTICE!!! Written on the envelope in Red.

6. On XX/XX/2019, after multiple back to back phone calls, an employee of tower Loan came to my house as recorded on my home monitoring system, beating on my front door for over a minute, until I finally answered the side door. I recorded him and our conversation on my cell letting him know I was recording him, he would not leave even after I asked him to leave my home. 
When I closed my door to lock it, he begin beating on my glass door very hard.

I call 911.

I opened the door and informed him I had called the police. 
As shown on screenshots from home monitoring system he left at XXXX only to return back in my driveway at XXXX, staying until XXXX. 
Then another employee, XXXX, shows up at my house at XXXX, see attached screenshot. Finally the sheriff arrived at XXXX, after hearing my complaint and asking Tower Loan employees to leave my home, sheriff walks behind him getting him to leave at XXXX. 
The sheriff stayed until XXXX I have been harassed repeatedly by Tower Loan employees. 

My last payment was on XX/XX/19 for {$140.00}. 
I got behind because of State tax garnishment. 
When I called to make a payment XX/XX/2019 XXXX said XXXX is off and I cant accept your payment because he added court cost. 
Thats the second time I was threatened about court and garnishment by tower Loan.

I have video recordings of conversations with both employees who showed up uninvited and unwelcome to my home XX/XX/2019 which are too large to attach. 
My rights have been violated. I want compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the item on my credit report XXXX XXXX   Account Number XXXX this account was never late, and also was paid by me, and XXXX XXXX XXXX  Company my insurance company the account should be paid, and closed. The car was totaled XX/XX/XXXX it was a bad accident, I had full insurance coverage and, Gap.

My insurance company Paid XXXX onXX/XX/XXXX I paid XXXX on XX/XX/XXXX I made payments since XX/XX/XXXX tell XX/XX/XXXX in the amount of XXXX thats a total with all payments made by me and, my Insurance company XXXX also I have gap through XXXX that included total loss plus XXXX XXXX  WARRANTY which I only got to use the XXXX  for nine months, and never used any warranty 's, as the car was totaled XX/XX/XXXX, I paid XXXX  for XXXX plus XXXX  for XXXX. Which was told by XXXX XXXX that will be applied to my balance.

The reporting of this should be paid and, closed with a XXXX   balance, and never late. Please correct this issue, I am requesting an investigation into the late payment in XX/XX/XXXX as, my bank sent them a Teller Check for way more than my monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have logged 9 complaints with Lexisnexis it took 6 complaints for them to correct an address change I logged with the CFPB. Again now they still are reporting false and misleading information in an effort to resolve this issue I reached out to there number listed on the report and guess what it does n't work says not available. Please check for yourself Below is there contact information try it If XXXX XXXX has any further questions for LexisNexis, please have him contact the LexisNexis Consumer Center via email at XXXXXXXXXXXX or by phone at XXXX. The LexisNexis Consumer Center 's hours of operation are Monday - Friday from XXXX XXXX to XXXX XXXX Eastern Time.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violated the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, the dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

THere are accounts under my name that is a result of Identity Theft as well as inquiries that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see attached documents for these accounts i am complaining.
Product: Credit reporting

I 'm not able to obtain a credit report ; I keep getting a message that says my information does n't match.
Product: Credit reporting or other personal consumer reports

need clarification as to why you are reporting certain information on my credit report. Please review the following YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING. 

After you have finished my request, send me a copy of my credit report reflecting these changes. 

I have also NOT received a 1099-C even though I have asked for one multiple times. Yet you marked this account as a WRITE OFF on my credit reports PLEASE DELETE THIS ACCOUNT IMMEDIATELY
Product: Debt collection

I purchased an item on XXXX using paypal service, when the product was never received I requested a full refund from both XXXX and Paypal. XXXX stated they attempted to process the full refund of {$110.00} but could only provide {$100.00} refund because Paypal prevented the full refund transaction. I initially contacted Paypal by phone for the refund immediately after receiving the {$100.00} and was told by the Paypal representative that I needed to wait 12 days until they receive a reply from the seller on the matter before I could escalate the case. I waited the 12 days and called back and was then told I waited to long and the case was closed and nothing could be done. This is obviously deceptive practice because their process/service which I pay for failed to protect me from the lost ; which they past on to me. I would like to receive the remaining amount owed and expose this Paypal practice. Please advise. Please see notes from XXXX  and Paypal. 


Paypay Case XXXX Transaction ID : XXXX Amount : {$110.00} Date : XX/XX/2020 XXXX
Product: Credit reporting or other personal consumer reports

The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for validation of this account of original signed documentation of this account belonging to me. When I called and talked to them they told me that they did not have any documents of signed proof for this account belonging to me. This unverified account is hindering me from getting a Home, Employment and other assistance. 
I have sent several letters to Equifax asking them to delete this from my credit report. I called Equifax and I talked to Employer # XXXX XXXX. He stated that they do not need any proof from the original creditor. XXXX also stated that they do not investigate they only report what is being told to Equifax.
Product: Credit reporting or other personal consumer reports

Inquiry date : XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Inquiry date : XXXXXXXX XXXX XX/XX/XXXX Inquiry date : XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry date : XXXXXXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XX/XX/XXXX Inquiry date : XXXX XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX Inquiry date : XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I also ask these creditors several times to removed unknow reported addresses, and unknow reported names used. 


These are unauthorized inquiries on my credit report that I did not authorize these companies to run my credit, someone used my information. I have been a victim of identity theft and this is fraud. I have sent a few rounds of dispute letters in XX/XX/XXXX and no response and still to today my identity is being used. Last year XXXX I had to file for bankruptcy, this is ruining my life.
Product: Credit card

I have tried to cancel my account with Bank of America once in XX/XX/XXXX and the second time the XXXX of XXXX. Both times I was told the account would be closed. They never closed it and fee 'd me XXXX dollars. This is unfair and unjust.
Product: Money transfer, virtual currency, or money service

My phone was taken and a person transferred {$7400.00} to their cashapp account. I tried to stop the payment, i requested a refund, and cash app did nothing. I made a police report about it. Cash App had no interest in the police report ( XXXX XXXX County MI Sheriff ). Now they are refusing to credit my account. They contradict their own policy by allowing such a large transaction evidenced below.

20. Transaction Limits. This Section describes the maximum amount that you can spend, transfer or withdraw using your Card during the time periods described in this Section. 

Per-Transaction Spending Limit. The maximum amount that can be spent using your Card is {$7000.00} per transaction. 
Daily Spending Limit. The maximum that can be spent using your card per day is {$7000.00}. 
Seven-Day Spending Limit. The maximum amount that can be spent using the Card in a seven-day period is {$10000.00}. 
Thirty-Day Spending Limit. The maximum amount that can be spent using the Card in a thirty ( 30 ) day period is {$25000.00}. 
Withdrawal Limits. The maximum amount that can be withdrawn at an ATM or a POS devic e is {$1000.00} per transaction, {$1000.00} per day, and {$1000.00} per week. 
https : //cash.app/legal/us/en-us/card-agreement By allowiing {$7400.00} transaction , they are violating their own policy. They could of froze the account that funds were fraudulently transferred to so they could at least investigate, they did not. These actions make them complicit in the wire fraud and larceny.
Product: Debt collection

Please remove the inaccurate accounts being reported on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my Experian, XXXX and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXXXXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXXInquiry XXXXInquiry 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 - Incorrect Personal XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXXXXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX  XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX, XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company XXXX XXXX XXXX Address on credit report is XXXX XXXX XXXX XXXX DE XXXX Partial acct # of XXXX Has all of a sudden reported a collection on my credit report that I supposedly owe XXXXXXXX XXXX XXXX XXXX XXXXXXXX dollars starting XXXX XXXXThe Biggest problem with this is that I live in XXXX Georgia and have done so for 5 years, and i do NOT owe any XXXX company any Money . I Disputed this with the credit bureau and they did not do anything to check the legitimacy of this item .Nothing to remove this, as though it belonged to me. Like this could possibly be legit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity can not be verified through Experian. When my credit is pulled through said credit bureau my name, per anyone who attempts to pull my credit, comes up as unverifiable. I need help. I tried to apply for a card with XX/XX/XXXX and was denied because my name could not be verified. The company i work for uses Experian to verify us through another system that enables me to view consumers medicare information. If my name can not be verified I can lose my job. 
I called Experian and they sad there was no problem and I asked for a complaint department number or a supervisor and they said all they could do was send me a copy of my credit file and that there was nothing more they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have certified mailed documents to the defendants. I have not received any response on how the defendants have verified the alleged accounts attached and therefore request that the defendants consider this you a final notice to their offices. defendants needs to rectify the subterfuge and deleted all accounts, addresses, and Inaccurate accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$490.00} {$1700.00} XXXX XXXX XXXX XXXXXXXX. XXXX XXXX {$0.00} {$2300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$110.00} {$500.00} XXXX XXXXXXXX XXXX {$340.00} {$2000.00} XXXXXXXX XXXX XXXX XXXX  XXXX XXXX {$1700.00} {$1700.00} US SM BUS ADMIN ODA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, XXXX I have been disputing information reported by XXXX XXXX/XXXX to XXXX, Experian, and XXXX for which they claim My account was charged off {$970.00} on XXXX XXXX. Repeatedly, XXXX XXXX have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX claims this account was sold to XXXX XXXX XXXX and refused to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of debt. They just told me to contact XXXX XXXX XXXX. Recently, XXXX deleted this account associated with XXXX XXXX/XXXX because I filed a small claims lawsuit against them for Defamation, Violations of the Fair Credit Reporting Act, and Violations of the Fair Debt Collection Practices Act. I am again formally requesting a copy of any documents, bearing my signature, showing that this account is being reported accurately. The listed item by XXXX  XXXX/XXXX is inaccurate and incomplete, and represents a very serious error in your reporting.
Product: Mortgage

I originally was going to complete a reverse mortgage on my property but after it was appraised the numbers and information that was disclosed to me wee changed due to the where the value came in opposed to what was assumed by the lender.

ONEREVERSE Mortgage a XXXX XXXX company advised me they would reduce my appraisal cost to {$99.00}. When I realized what was being offered regarding the reverse mortgage and that it would not be in my best interest I decided to shop around for a cash out refinance which worked more favorably for me so when time to transfer the FHA CASE NUMBER XXXX was requested from the new lender, the case number was transferred but not the appraisal that was to be attached. 

I spoke with Onereverse and was advised that the {$99.00} would not be Honored because I went elsewhere and that I would need to pay {$650.00} minus the {$99.00} but somehow was emailed a total of {$550.00}. When I called to pay the {$550.00} they attempted to get me to pay {$650.00} even with evidence of the amount I was quoted. 

I believe there Is something going on with this bank where they are defrauding elderly people like myself and trying to get money out of them. The price I should be paying for this appraisal is the {$99.00} and not be penalized because I chose to go to another lender who had a better program within my best interest. These are FHA mortgages so banks can't make up their own rules as they go.