23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 a debt validation letter was sent to " TRANSWORLD SYSTEMS '' via " CERTIFIED MAIL ''. 
On XX/XX/2021 " TRANSWORLD SYSTEMS '' updated my credit file with all 3 credit bureaus with an account they have not verified causing damage to my credit score and file. 
As of XX/XX/2021 I have not received any correspondence from " TRANSWORLD SYSTEMS '' in regards to verify said account. 

In pursuant to 15 USC 1692g 809 ( a ) and ( b ) " TRANSWORLD SYSTEMS '' is in violation of the Fair Debt Collection Act. 

Violation # 2 if the original creditor " XXXX XXXX XXXX '' sold alleged debt to " TRANSWORLD SYSTEMS '', " XXXXXXXX XXXX XXXX '' CAN NOT continue to report on my credit file/s for the same alleged debt unless its a charge off which it is not listed as. 

Alleged amount owed {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention to the consumer reporting agencies. XXXX, XXXX  and Equifax. I am a victim of the Equifax data breach and my information has been compromised. I am a victim of Identity theft. I submitted a complaint before to you guys but didn't get any response. I have provided proof of my Identity which is a photo of my passport. I have provided the Identity theft report with the Federal Trade commission. I also have a notarized letter as well that I will upload. I have not received any benefit from these fraudulent accounts or money. All I have is a ruined credit score. I beg you to help me out. I am trying to move on with my house and live the american dream. I submitted the documents below.
Product: Credit reporting

I have a hard inquiry from XXXX. and havent been in contact with them to get anything it says XXXX this is not accurate idenity theft at its best they should ask security questions before giving out my personal information to someone.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX - XX/XX/2022
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In XXXX of this year I started receiving calls from a debt collection agency named Procollect based in XXXX Texas. They stated that I owed a debt in the amount of XXXX dollars from an apartment complex named XXXX in XXXX Florida. I informed them that I lived in XXXX Hawaii and could not have possibly rented an apartment in Florida. They asked for proof that I lived in Hawaii and I sent them a W-2 from my employer here in Hawaii which had my address from the previous year. About a week later I received a call from them stating that the proof was not good enough and they needed me to file a police report about identity theft. I told them that this was the one and only thing that popped up on my credit report and that it must just be a case of mistaken identity. I also informed them that XXXX Police had no jurisdiction in Florida and that in order to file a report I would have to physically go to Florida to file. This would cost around XXXX dollars to complete. They then stated that it would be the only way they would stop calling. I then contacted XXXX  apartments and spoke with their bookkeeper. She informed me that my name was not on file as owing a debt. I took her number down and contacted Procollect to have them contact this person. They refused and since then have called me a minimum of 3 times a week for the past 6 months.
Product: Debt collection

I 've already filed a complaint with cfpb against debt recovery ...   Debt recovery started that they could delete the accounts they had on file from all  XXXX  credit bureaus.   Debt recovery fail to do so..   Debt recovery has deleted the accounts and added it back to the credit bureaus..   Debt recovery never deleted the account from  XXXX  as  XXXX  stated they never received anything from debt recovery.   On   XXXX   XXXX   XXXX     Debt recovery also added acct #  XXXX  As I stated in the first complaint Debt recovery has NO VALIDATION I never gave them Permission to my personal information.   I mailed Debt recovery solution a letter asking them to validate the accounts.   Debt recovery have deleted the account from  XXXX , but not from  XXXX .  <P/> As cfpb can see that  Debt recovery/ Debt recovery solutions re sponse in the first complaint that they will closed and delete the accounts from all  XXXX  credit bureaus the accounts
Product: Debt collection

I request validation of contract between myself and FINANCIAL CREDIT NETWORK. As far as I know there is no contract, promissory note, application, agreement or any other instrument your company have with my signature establishing an obligation between myself and XXXX. I also request proof of contract between your company and the alleged creditor in your records that gives you authorization and my consent to have my information. 

The deceptive notice received from your company is in violation of my privacy under Privacy Act of 1974. I did not verbally nor did I provide written agreement of sharing my personal information with XXXX XXXX, non-affiliate companies as I am opt-out of XXXX XXXX and non-affiliate sharing of my information. the consumer will take it a step further in seeking remedy per 15 USC 1692k. 

This notice appears to not only provide false and misleading representation as we have no contract/no agreement but this is also deceptive, abusive and unfair practices which are all violation of XXXX Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act. I am prepared to file suit against FINANCIAL CREDIT NETWORK for invading my privacy, using my identity for your own personal gains as well as threatening to destroy my right to fair credit reporting under the Fair Credit Reporting act but also this damage could affect my rights to credit under the Equal Credit Opportunity Act if fraudulently reported. 

I ask that unless your company can provide me original signed contracts, that you cease and desist. Your company is harassing me and failed to provide any documentary evidence of such alleged debt. There is no true bill. 

I am filing several complaints against your company for violations mentioned. This is harassment. This is identity theft. 

Under California XXXX Privacy Act. I have the right to request deletion of personal information and opt out of sale of personal information. PLEASE PROCESS OPT OUT OF SELLING AND SHARING PERSONAL INFORMATION & DELETE PERSONAL INFORMATION. DELETE FROM PERSONAL CONSUMER CREDIT REPORT IMMEDIATELY. 

Your company has no right to collect any alleged debt on any private accounts nor does your company have rights to interfere with investigation and disputes with any alleged creditor. Per 15 USC 1681a consumer report can not have personal transaction history. According to IRS publication any charged off or collections accounts are considered a certificate of indebtedness with is income and income can not be reported on my consumer report. You are in violation as a debt collector buying alleged debt which would actually be considered income that is to be reported to IRS. YOU ARE BEING DEMANDED TO NOT SHARE INFORMATION TO CONSUMER REPORT. I demand XXXX XXXX XXXX to CEASE and DESIST all collection and communications except to provide remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried to connect with credit bureau TRANSUNION on multiple occasions to get hard inquiries removed that are unauthorized. Spent several hours with them on the phone and also typing and sending off letters to Transition on MULTIPLE occasions to get these inquiries removed. Spoke with them and they informed me that they don't have a time limit to respond to inquiry deletions. have spoken with these companies via telephone and they've confirmed they have no knowledge of these accounts being removed. 

XXXX XXXX o - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX I - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX TRANS UNION - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX ( MULTIPLE ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

I was contacted by XXXX XXXX XXXX via XXXX. The XXXX  said I owed {$4700.00} for account number XXXX. 

However, I do not owe that debt. My information was stolen and I disputed that account with XXXX XXXX XXXX and the major credit bureaus. 

I requested the original ASSIGNMENT CONTRACT ( s ) that proves that I owe it. They did not send it. 

Please delete this immediately. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter to formally make a complaint about my incomplete and inaccurate credit information. As I know, It violates the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), and thus I wanted to have it investigated. I also demanded that they provide verifiable proof that has my actual signature in it. Additional information regarding this will be uploaded and I hope that this issue will be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my XXXX credit report, report # XXXX for XX/XX/XXXX. The credit report showed a Chapter XXXX Bankruptcy public record and a comment stating the Information was  published by XXXX XXXX. I sent a letter to XXXX disputing the Information being furnished by XXXX along with a copy of a letter from XXXX dated XX/XX/XXXX confirming the security freeze that was placed on my account. I also included a letter from US Bankruptcy Court XXXX  District of Ga datedXX/XX/XXXXconfirming that they do not report to a credit reporting  agency. I received an email from XXXX on XX/XX/XXXX stating the Information was verified as correct and will remain. I believe their investigation was invalid. This Information could not have been furnished by US Bankruptcy Court because they do not report to a credit bureau, nor was the Information verified by XXXX due to a freeze that I have on my account. I opened claim # XXXX XXXX on XX/XX/XXXX. The claim was closed on XX/XX/XXXX due to a response from the credit bureau. The credit bureau noted that they would reinvestigate. On XX/XX/XXXX, I received a notification from them that the Information would remain. That was not enough time to recertify the Information. I am respectfully asking for this Information to be removed due to invalid verification and incorrect reporting. Thank you for your assistance in helping with this matter. 
Kind Regards, XXXX XXXX XXXX ss # XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

Portfolio Recovery is attempting to collect on a debt for XXXXXXXX XXXX. XXXX XXXX  informed me that the account was being handled by another company XXXX in which the account was paid. XXXX XXXX updated the paid account to my credit report, but Portfolio Recovery has refused to remove the account and hasnt responded to any of the disputes. Verification can be viewed at XXXX Acct : XXXX
Product: Mortgage

We obtained a solar loan from our bank, whom wrote 2 checks to the solar company. The solar company never completed work. One of the checks was VOID due to not completion and time. Somehow the solar company got their bank to allow them to depost the visibility VOIDed check. The solar company and my bank have not helped me one bit in trying to recover these funds. As such we are paying a are forced to pay for a loan for work not copleted based on a check that that should not have been allowed to be deposited.The name of the bank is, Banc of California ( Formerly Pacific Western National Bank, PacWest Bank ) this is the Solar companies bank that allowed the deposit to occur.
Product: Credit card or prepaid card

On Saturday  XXXX / XXXX / XXXX  I received an alert on my   XXXX   XXXX   about credit card limit. When I checked it out. I noticed a credit card  with Capital One o pened on  XXXX / XXXX / XXXX . I immediately filled a fraud alert 90 day initial alert to   XXXX   credit report and also ordered a credit history report from  XXXX . Afterwards I contacted the company about the credit card. I explained how I had no knowledge for this account until I received a alert from   XXXX   XXXX  . I opened a fraud case with them about the card. They assured me the account was now close and a investigation would take place and report it to the credit bureau. I provided my mailing address as well as email and phone number. When I asked for information on file for the credit crad the mailing address or number I was simply told it shows  XXXX , TX that 's it. I was informed I would be receiving a phone call and an email with information on the matter. As today  XXXX / XXXX / XXXX  I have not received a phone call. I called them back on  XXXX / XXXX / XXXX  I noticed on my   XXXX   XXXX   the account was still opened and how I have n't received a phone call or an email about the matter. I was told it was closed the person could not use the card. As far as the phone call and email no update.
Product: Debt collection

I have sent documents and EASTERN REV is not respoding to me. This is debt that is alleged and I need more information. This is the third time i request documents from them and nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I contacted XXXX @ the apartment complex I use to stay at names XXXX XXXX XXXX, she informed me that the complex name has changed I asked her about this alleged debt that is listed on my report and she stated that she has no idea that the files and 40 % of this business ( XXXX ) was purchased by a company called XXXX XXXX XXXX she then provided me with a new to XXXX which I spoke to a rep named XXXX. I asked XXXX about this alleged debt and wanting answers he proceed to say he has no idea about this debt and it was sold to a company called XXXX XXXX. I asked XXXX if my alleged debt was sold why am I being charged for something that was written off. He stated Im not  sure you need to contact XXXX XXXX for answers ( I have recorded calls ). On XX/XX/XXXXI contacted XXXX XXXX and spoke with an rep named XXXX XXXX I asked him about my alleged debt and he couldnt provide me with any information concerning this debt the only thing he stated was documents are being mailed to you today. I also contact XX/XX/XXXX, XX/XX/XXXX and Experian concerning this debt and I havent received a response!! This has been going on for 5 months are so.
Product: Debt collection

Unless XXXX can show me the value I received for the {$250000.00} they took from my proceeds, it is simply theft. I paid back the full {$350000.00} total of the only two mortgages on my house in the {$500000.00} payments I made to my house since 2004.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights : XXXX XXXX XXXX - XXXX - {$1400.00} DEPT OF EDUCATION/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 an account without my written instructions.
Product: Debt collection

A company, XXXX XXXX XXXX XXXX at XXXX called repeatedly on and around XX/XX/XXXX stating that I owe past overdraft amounts from XXXX on a closed Wells Fargo bank account. They said that if I didn't sign an agreement to pay immediately ( {$420.00} ) and give my bank account information that they would serve me with a lawsuit. I asked for a written confirmation of the debt and they said they didn't have to give it to me and could take criminal and legal action immediately if I didn't sign. 

I gave them my bank account information and signed an agreement to pay without realizing that my rights were being violated. 

Since then, I have called the company and left 3 messages ( they do not answer the given phone number ). I searched for the company 's website and could not find it. There is no address on the written agreement to pay, and so I am unable to write to the agency. I reported possible fraud to my bank and they froze my debit card to avoid withdrawals. I checked my credit report from all three agencies and no past due or collection accounts have been reported. 

The company has also left voice mail messages for my mother saying that I had been " served '' with a lawsuit and that they would take legal action against her, as well. 

Please help stop this violation of consumer rights. 

Sincerely, XXXX XXXX
Product: Student loan

I am a co signer on loans for numerous in my daughters name XXXX XXXX. I am paying the loans. They are saying I am in default. I am not. My customer id is XXXX. My email is XXXX. I want to file a complaint against XXXX XXXX. They refused to connect or name the manager of the ombudsman. I do have a XXXX which, under stress causes XXXX XXXX XXXX. I have been paying the payments and they keep sending me default letters. This in turn has my ex-wife taking me to probate court. I have documentation from Sallie Mae that I have been accepted into a re-payment program as I am the cosigner and did not expect to have to repay the loans in full. Today I spent 1.25hrs on the phone and spoke to 5 different people. Their errors is reflecting on my credit as well and they refused to write a letter correcting the problem. I would have never signed for loans, that were not Federal and XXXX XXXX accepted PPE money. I need help please.
Product: Debt collection

Company Midwest recovery systems. Months ago there was collections placed on my credit report by a different company. The amounts had already been covered by insurance. But a clerical mistake caused them to bill twice for multiple amounts. These amounts were from XXXX to XXXX. Beyond my states statue of limitations. The company before Midwest made threatening calls and after reporting their Behavoir and the company acknowledging the debts were not accurate the closed all accounts and they were removed from my credit report. Now it seems one of the same amounts from one of those accounts has been sold to another company even though it had been recognized as inaccurate and closed. I am hoping this is resolved quickly as I am receiving harassing calls that I have avoided so far. I dont think that its right that debt has been paid and mistakes are made then I have to deal with multiple collections over and over for the same amount that has already been acknowledged as inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sending a second notice to XXXX experian, XXXX and XXXX Which are all aiding in the reporting of non public information without my expressed consent Including accounts : Experian : Account : XXXX U S DEPT OF EDXXXX, Account Number : XXXX XXXX. XXXX : Account : US DEPT OF EDUCATIONXXXX, Account Number : XXXX and account number XXXX XXXX. XXXX : Account : Us dept of education, Balance : {$5300.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX I am demanding the immediate deletion of all accounts above I have opted out of all creditors sharing my non public information and I have opted out of cras Doing the same which Puts both in default of bad buisness practices and fraud
Product: Debt collection

I was able to dispute some of my medical bills. There is a balance from the original debtor XXXX XXXX XXXX of {$1000.00} and it is reflected on my XXXX XXXX The account is now with Transworld Systems and they are trying to collect more than that.