23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Collection agency name : TRANSWORLD SYSTEM INCXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Dear Transworld System INC I have recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct person and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement that I have signed with your company or the original creditor.

In Accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information listed below : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information.

I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  this company is making my life a living  XXXX  they are reporting on my credit bureau saying i have and auto loan with them and it has been repossession i told this company before to send me the document stating that had a loan i never had a loan with this company and they are reporting on my credit of  XXXX  in  XXXX    XXXX   they want remove this inaccurate information please help
Product: Credit reporting or other personal consumer reports

I have disputed multiple times online and also called XX/XX/year> to have personal information that is inaccurate and doesn't belong to me removed from my credit reports and they have not been updated.
Product: Credit reporting or other personal consumer reports

I have contacted you in 2 previous letters asking for investigation and reinvestigation into the accounts listed. Both times they have been verified and updated with no supporting evidence to show why after I requested it. I have attached the letters. This account was charged off in XXXX of 2023. Since then the account has repeatedly been updated as " charged off '' every month. This is an update in payment history. A charged off account should NOT include any active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my consumer rights. I am demanding a deletion of the following account to remedy this violation of my rights : ACCOUNT : XXXX  XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Capital One received a cease and desist letter in regards to account ending in XXXX. In this letter I stated that they violated my federal rights to privacy and confidentiality under 15 USC 1681 ( a ) ( 4 ). They sent a letter dated XX/XX/2022 stating that they wanted me to contact them via phone and they could not fulfill my request through written correspondence. Capital One violated my federal rights by not contacting the consumer reporting agencies and informing them to remove my that account from them. Also 15 USC 1681 ( a ) states that any information in regards to identity theft shall be removed after receipt of information after 4 business days. Please see the attached documents.
Product: Debt collection

I have tried to contact them on several occasions to get this deleted from my credit report.
Product: Mortgage

I have complained about CHASE bank many times, with no avail. My realtor and I have submitted XXXX all cash others, and they have declined all of them. Even the most recent one. 
I have had it, my doctor wants to put me on XXXX, and other XXXX, I do n't want to take these drugs as I here that they make people XXXX.. Please call CHASE bank for me and tell them, that they can have the house. All that I request is a {$25000.00}. relocation allowance, and I 'll leave, it has been over 3 years, I ca n't take this anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

For a few months now, I have been unable to access my myEquifax account. That is, I would enter my login information, but the website would immediately respond, " Please give us a call. '' On XX/XX/2021, I called Equifax Customer Care to resolve the issue. I gave my name, birthdate, address, social security number, email address, and two phone numbers. One number was my most recent and what I had updated my account to, and the second was the number I had begun my account with. Even though the agent stated that they were able to view my credit file, they still wanted me to go through a " Document Verification '' process via a link sent to my most recent phone number. This would involve me sending them pictures of my Driver 's License and / or Social Security card along with pictures of myself for " facial recognition. '' I was shocked that they were requesting such personal documents and, essentially, forcing me to consent to facial recognition, especially considering Equifax had a major data security breach just four years ago and there have been several data breaches this year. I repeatedly requested an alternate method for verifying my identity, but the agent refused, stating that consenting to the invasive process was the only way to eventually gain access to my account. Due to the agent 's unwillingness to provide a different method, I had to request a supervisor. While I was on hold, I used Equifax 's Account Recovery process. Fortunately, I was able to access my account this way by using the old phone number. Once inside the account, everything seemed fine. However, when I attempt to place a freeze on my credit, the website states, " Please give us a call. '' I am concerned because they are preventing me from protecting my credit, and I am in fear that they will once again request that I go through this invasive facial recognition process. It should be noted that even Equifax XXXX warns against the use of facial recognition software.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act XXXX  account # XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 : it also states a consumer reporting agency can not furnist a account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on credit card account under an open end consumer plan as late for and a purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 3.5-4 years ago I contacted Navient to inquire ways of avoiding delinquency as I was going through a series of personal events - my father XXXX, was going through a divorce, had a XXXX XXXX  and the real estate market bubble ( I was a XXXX ) had burst. I was told on different occasions there was not much to be done as those were n't strong enough reasons and or pushed to terms that I was n't able to afford. 

My credit suffered tremendously due to the delinquency. I have tried numerous times to come to terms with Navient and have asked them for help, but have received none. 

It came to light that I was n't the only one and that a lawsuit is pending because of the same practices I experienced. I am hoping this time I am able to get some relief and have the multiple 90 and 120 days late deleted - at least the most recent ones. Last late payment was 44 months ago.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balanced : {$80.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced : {$5300.00}
Product: Checking or savings account

Citizens bank has my account frozed and taking money out of my account monthly. I'm getting charged monthly for statements but i have access to my checking account. Why am i paying fees when my account is froze?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the following XXXX XXXX XXXX account # XXXX have violated my rights as an obligor. 

Dates : XXXX, XXXX through, XXXX, XXXX : 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. 

15 U.S.C 1666B : A creditor may not treat a payment on an extension of credit account under an open-end consumer credit plan as late for any purpose.
Product: Checking or savings account

I applied for a mortgage loan and the mortgage broker miscalculated my income. This miscalculation brings a disqualification for the loan but the bank didnt cancel the appraisal order. Based on that Bank of America refund me the money from the appraisal report. One month later Bank of America charged me {$340.00}. Bank of America refused to credit the money again.
Product: Vehicle loan or lease

I call GM about helping me out with my Lease payment, since I lost 66 % of my income and they said that the only persons they are helping are those customers that have finance their car and not the people who have a Lease them. I think that's unfair since both have to make car payments. I feel GM talks  lot and dose very little to help all customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, Im sending these enclosed documents in order for me to update my credit report and remove any block that is on my file currently. 

I have creditors trying to report to my credit report and access my file and they can not. 

Please update my information. 

Please note this was copied exactly as XXXX from Equifax on XX/XX/ at XXXX XXXX instructed me to do. 

Enclosed are : My drivers license My social security card This is being sent to you by : Faxed on XX/XX/ to XXXX XXXX XXXX CFPB Complaint on XX/XX/ Certified mail on XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiry that I did not authorize and made by the following companies investigate the following information. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 
Please be advised I dont want to receive any stall tactic computerized response in reply to my dispute letters by bureaus.
Product: Credit reporting or other personal consumer reports

I have previously reached out to the company for reporting wrong information which they removed it from XXXX but the information is still on my XXXX and XXXX
Product: Debt collection

In XX/XX/XXXX-XX/XX/XXXX I held a bank account with XXXX. Unfortunately I was not fiscally responsible and my account ended up going back and sent to collections. In XXXX I was contacted by the law firm XXXX XXXX XXXX out of XXXX, XXXX with whom I entered a settlement agreement with. I completed my settlement agreement on XXXX XXXX, XXXX and received a Release of Liability from the law firm. Recently, a woman by the name of XXXX began calling me and stating that her company was attempting to collect a debt for XXXX. After supplying her with a copy of my Release of Liability, XXXX stated that they were different accounts and different amounts ( which should be obvious as I settled with XXXX XXXX XXXX ). This prompted me to research her company ( ID Solution out of XXXX ) and email address XXXX XXXXXXXXXXXX ) as well as her phone number ( XXXX ). No information came up for any of this. I contacted XXXX Collections directly and they confirmed the account number XXXX XXXX XXXX held as well as when my account was open and closed ( XXXX/XXXX/XXXX - XXXX/XXXX/XXXX ). They also cautioned me that this company may be a scam after I shared my concerns over the behavior of XXXX. I called XXXX back and supplied her with the information XXXX had given me. She became hostile and aggressive and informed me that her company had purchased the debt from XXXX XXXX and that the date of last activity was XX/XX/XXXX. I asked her for the name of her company, but she was evasive and stated that I " had her email address. '' I explained nothing came up when I was searching for it and that was when she stated they were out of XXXX. I asked for a website and she refused to supply one. When I told her that did not give her much credibility she became more hostile and downright rude. I informed her that I would contact XXXX XXXX directly and she retorted, " You do that! '' and hung up on me. XXXX XXXX had XXXX phone numbers on their website, XXXX of which was disconnected. The other was actually a different company and they indicated they did n't know what was going on with XXXX XXXX but that they may be closing down. They had absolutely no information about my alleged account that was sold to ID Solution and shared with me the same caution that I should be wary of ID Solution as there are a lot of scams going on out there. XXXX has continued to call and harass me, threatening me with legal action if I do not pay this false debt of {$1600.00}. I have blocked her number on my phone, but it frequently rings in as " private '' and I can not avoid those calls.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 ( MONTHS REPORTING LATE ) 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 TRANSUNION 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 went to Chase bank branch to do a wire transfer. I've tried 3 times but they all got reversed. That's fine. There's a reason for it. But, each time they charged me {$35.00} for wire fee. When the transfer has been reversed, it means the money weren't been transferred successfully. The customer success representative said the wire fee will also be refund to me. But, for 3 times, they didn't refund to me. I called to ask once and they refund me one of the three. But still, there are two {$35.00} being charged and not being refund for no reason. I called again and again they said it can not be refunded. If not able to, why they refunded once? Until not, I'm still being changed {$70.00} in total for unsuccessful wire transfer. It doesn't make sense at all.
Product: Credit reporting or other personal consumer reports

I request that you investigate and remove these XXXX fraudulent inquiries from my credit reports immediately. I also request that you provide my written signature and my authorization. Find my signature, I also request that you provide me with all relevant documentation related to these. Under 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I didn't givXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX permission to go into my credit reports so my privacy has been violated under The Privacy Act of 1974 The Privacy Act of 1974, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. List of inquiries that needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am contacting to possibly receive the best guidance for relief from a Private Student Loan obtained on my behalf, unbeknownst to me, by XXXX XXXX XXXX XXXX in XXXX, Virginia in 2005. During the enrollment process, the language was streamlined to convey obtainment of federal financial aide to cover tuition costs. I was unaware that the loan obtained was gained from a private lender. I now have {$12000.00} in interest being charged for a loan to a school that I ended up finding out had no accreditation, for which none of the credits can be transferred to any accrediting university. I am willing to pay a fair price for the loan since I completed XXXX  XXXX  at the school, however, I am open to a pathway to loan forgiveness since the process was disguised and the very few credits I obtained are useless. I've attempted to gain contact to the private lender to discuss this matter directly, however, Navient- who has custody of the loan is unwilling or unable to give me this information and doubles down that there is nothing else that can be done. I'd like to issue this complaint against Navient, however, the more direct complaint is to the Private Lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX, XXXX, & Experian about the unauthorized inquires on my credit report & they have not been removed. Since, they do not have my authorization, written nor verbal I ask that you DELETE these UNAUTHORIZED inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card or prepaid card

I contacted bank of america about fraudulent charges on my credit card on XX/XX/2023. I spoke to a representative and listed the charges I knew to be fraudluent. One was for one of the semi-legal weed shops another was nearly {$100.00} at target, and at a pharmacy I haven't used. The rep said I would have the money refunded while they investigated my claim. On XX/XX/2023 I got a message saying they were unable to approve my claim and were recharging my account for the amounts. Their messages say that they confirmed the charges with the merchants but provided no further details.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I called and reported to EQUIFAX XXXX and XXXX that my identity may have been stolen because there were accounts that I did not own that were on my consumer report after alerting all three credit reporting companies about this matter they started a reinvestigation as I had already disputed these accounts as well as need XXXX to update my current address and delete inquires that were not mine as well I filed a report with the Federal Trade Comission as I was told to do by agents of all three credit reporting companies EQUIFAX XXXX and XXXX all threee agents told this was the ONLY way to update my address and delete the fraudulent inquires on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I visited XXXX in order to request my annual free report from one of the three bureaus ( Experian ). Although I have given the exact same information before and received my credit report online from the other credit bureaus, this is the second time in one year that I have been refused my online report from Experian, with a perfunctory notice to request a hard copy. This matches reports from others that Experian is not readily allowing consumers to access their credit reports with the bureau electronically, instead having to mail or call to request a hard copy of their report. This is a barrier to access that is patently absurd for a company that maintains its existence by aggregating the personal information of consumers and profiting from that info, with zero benefit to the consumers themselves.