23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Transworld Systems is fraudulently reporting on my credit report in the amount of {$1100.00} account # XXXX * Were you named on the original contract with the original creditor? 
* If not, do you have a contract between your company and me, signed by both parties? 
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition?

* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me?

It is part of my full disclosure to you that I require a response and lack of receiving what is requested or demanded from you proves I owe you nothing. I also didnt find that this company has a valid license, bond, and certificate of authority in the state of Arizona.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Detailed Verification and Immediate Action Experian, I have repeatedly requested detailed information on the method you use to verify information on my credit report. Despite several attempts, you have consistently failed to address this issue. Additionally, you did not respond within the legally mandated 30-day period, which requires you to remove the following information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I dispute these claims and am requesting validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( 8 ). Specifically, I request the following : A breakdown of fees, including how you calculated the amount you claim I owe.

A copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cessation of any credit bureau reporting until the debt has been validated by me, as required under the Fair Credit Reporting Act ( FCRA ).

Proof that you are licensed to collect debt in my state.

Please send this information to my address listed below. This letter serves as my formal debt validation request under the FDCPA.
Product: Debt collection

My mother XXXX and has an outstanding home equity loan. 

We have been making attempts to pay towards it. 

The bank has been threatening foreclosure. My sons live there. The house is worth XXXX, we only owe {$40000.00}, How can we go into foreclosure? 

If they could just work with us, and stop the threats.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act U S DEPT OF EDXXXX 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act US DEPT. OF EDUCATION/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: Money transfer, virtual currency, or money service

Dear XXXX, I am writing in response to ( Re : XXXX XXXX Complaint, No. XXXX ). 

First, I thank the CFPB for its assistance in confirming the existence of the account ( XXXX ). 

However, there are other issues that need to be addressed. Specifically, we need to verify the details of more than XXXX bitcoins associated with the account. The focus of the dispute is the information stored on the computer server controlled by the merchant. According to the principle of shifting the burden of proof, since the merchant holds the server information, they have the responsibility to provide the necessary evidence. 

The next step is to require OK***  to provide all relevant information related to the account, including user registration information, login data, account balance and other relevant information. This approach is in line with industry practice. For example : XXXX XXXX XXXX  allowed customers to download their own data when it closed its website. Even now, customers can log in to these websites and download their information. 

Similarly, XXXX 's XXXX also provides services that allow users to download personal data. 

In addition, this practice is also in line with XXXX law, especially the Personal Information Protection Law of the XXXX XXXX XXXX XXXX XXXX ( adopted at the 30th meeting of the XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX on XX/XX/year> ). Article 45 of Chapter 4 clearly stipulates that when an individual requests to review or copy his or her personal information, the personal information processor shall provide it in a timely manner. In this case, OK*** Company is the personal information processor. 

If OK*** Company has any concerns about cross-border data transfer, it can directly send the information to the email address XXXX. or XXXX. 

I believe that the CFPB will assist in resolving this matter and ensure that OK*** Company complies with these requirements. Thank you for your attention to this urgent issue. 

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

In order to REMIND the Equifax Credit Bureau that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Equifax BUREAU MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent accounts. XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2018 Reference # : XXXX.
Product: Vehicle loan or lease

XX/XX/2023 Went to performance of XXXX car dealership to purchase a car. After further review of the contract I found several violations present with those contract. One violation nullifies the contract pursuant 12 CFR 1026.3 named truth and lending.
Product: Credit card or prepaid card

I had an account with capital one to help build my credit. Now I always made my payments on time, I paid them early and paid my balance on full everytime. Now there was a few times where for some reason one of my banks didn't process my payments correctly causing my payments to be reversed. I work at a contact center for a bank as a supervisor and I know the process of the bank closing an account if they deem the client a risk. The bank I work for provides communication to the client to give in a way warning to the client that the bank may end up closing the account if they keep having payments reversed. After I made my payment in full after the payment got reversed my account was closed. When I called the first time to find out why I spoke to a rude supervisor trying to find out the process of capital one providing warning to their clients before an account gets closed. The supervisor couldn't give me a straight answer and in a way kept  blaming me for what happened. I requested to speak to their supervisor but what told that with capital one that's the highest it will go and won't go any higher which is ridiculous and horrible customer service. I called back and spoke to another supervisor and was informed by that supervisor that capital did mail a letter on XX/XX/2020 but that it was going to take 7-10 business days which is ridiculous because my account was closed on the XXXX which is exactly 7 days after the letter was sent that has not been received. With the previous return payments not once did I ever receive any kind of warning from capital one stating that if I had another return payment that my account would be closed which Is really frustrating. If I was made aware that if it happened again my account would get closed then I would do what ever I can to make sure it didn't happen again but capital one sets up their clients for failure without giving any warnings or assistance until after the fact. Never going back to capital one and never going to recommend capital one.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below was deleted in XXXX and readded to my credit report in XXXX. I have attached when it was deleted and my fraud form I got from the bank. 


XXXX XXXXXXXX XXXX {$4100.00} Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im begin taken advantage of and begin ignored if my disputes. Section 611 ( a ). It its plainly stated that a failure to investigate those items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

I found an error on my report from my account with XXXX XXXX  stating that Ive missed a payment for XX/XX/2020. XXXX XXXX  has deferred my loan from XX/XX/2020 to XX/XX/2020 due to Covid-19. I was told that I can still make payments towards Escrow during any time of that particular month. My Escrow payment isn't required but should not report as a late payment ( especially if it was paid during XX/XX/2020 ). I've emailed XXXX XXXX  twice on XX/XX/XXXX and XX/XX/XXXX for clarity but they will not answer my questions but only respond to me when I'm submitting a payment. 

I've also submitted proof of payment and proof of mortgage deferment to the credit bureaus to remove the error and in return, XXXX XXXX  has verified the late payment as accurate AND listed a personal statement on my behalf ( without my permission ) to my credit report that reads " I am unable to make timely payments due to the impact on my job/wages as a result of the Covid 19 pandemic. XXXX XXXX  & XXXX XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to complaint XXXX. Transunion has stated that the account disputed was updated which I will attach my credit report to show that there was no update. I have been really patient concerning my credit even though your company is reporting an account that is not mine. As stated in the letter sent to the collection agency XXXX XXXX XXXXt, the original creditor hasn't even confirmed this debt so why is this reporting on my credit report? This is a violation of the FCRA and FDCPA. I am demanding that this account is removed immediately, or I will be filing a statement of claim and proceed with suing your company. Attached is the dispute letter that was sent to XXXX which is dated, and time stamped- to which they have yet to respond. They are currently in the process of being served as well.
Product: Debt collection

Have taken steps to verify where this debt came from as I have recently paid off most debt I have and I can not find where the debt is from. Website for the company has multiple reviews stating this collector is a scam as well as too much personal information required to set up an account with the collector. When Calling the company to settle, goes to a recording and can not get ahold of a real person to find out where this debt is " owed ''. Never received notice of this debt other than credit karma showing it as owed.
Product: Debt collection

Sallie Mae has continually harassed me since XX/XX/2020 ; calling multiple times throughout the day from multiple numbers. Agents have not only been terse in conversation with me and yelled at me but have decided to call and harass relatives of mine multiple times who are not even involved in loans. They have even gone as far as yelling at relatives of mine and assuming that they are me and have even left multiple voicemails after they have been asked to cease communication with them as they are not involved in any loans. I have also received text messages from unknown senders stating that I owe a private or federal loans and need to pay. The continuous harassment by this company has not only been taxing on myself but also my family as they keep getting calls after they have informed the individuals on the phone that they are not me. I have in the past asked for some sort of payment plan with the company however the company refused to assist me in any way and left me to pay the full amount without any sort of long-term relief or assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in numerous letters in with supporting information in regards to accounts listed on all three major credit bureaus ( XXXX, Experian, and XXXX ) that are providing inaccurate, missing, and erroneous information. I have four collection accounts and two charge offs and they are all being reported inaccurately. The letters that I have sent in have been met with a response that state that they are verified and correct. I subscribe and pay for a credit monitoring service ( MyFICO ) that shows that they are in fact NOT correct. I have received reponse letters from XXXX, XXXX and Experian all saying the same response and i have been met to no avail with any progress on getting these accounts deleted. Under Federal law I know that if the information Is either proven to be inaccurate, missing, or erroneous that they are required by FEDERAL LAW to DELETE them IMMEDIATELY! I have provided documentation supporting my complaint attached below. I am a litigious consumer and fully prepare to act under the full extent of the law to get this resolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within XXXX  hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

I have XXXX Barclays cards. Both were hacked. I got a call from a woman that represented herself as an employee from the Fraud Department at Barclays. She has charged over {$20000.00} on my cards. When I call to get help from the Fraud Unit, I am told they will not help me unless I send them a copy of my Social Security Card front and back, my Driver 's license front and back and entire bank statement with balances etc. I am not willing to send them that information as I do not trust this was not an inside job. They will not allow me to access my account online and will not help me over the phone. They are trashing my credit which I do not appreciate. I have notified all 3 credit reporting agencies and am disputing all charges as I have not used these cards in 4 months. I was advised to file a report with you by the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

You, the CFPB are not enforcing the law or facts. You know for a fact that the court systems do not report any of their records to the 3 major credit bureaus, yet instead of reprimanding the credit bureaus and demanding they remove the public record for cause of not being able to validate the information, you are acting as a middleman just passing along complaints and doing nothing about the complaints to protect the consumer 's privacy. This is absurd... what is your purpose if not for the most egregious violation the bureaus can make as the court system is our only legal system and you are allowing the bureaus to run rampant and do what they will in obvious WILLFUL NON COMPLIANCE. 

I have spoken to the clerk of court and confirmed verbally on a recorded line that they never send any information to the bureaus and the bureaus never send information to them and the bureaus never contact the courts to verify personal information such as name, address, social security number and date of birth. 

I demand that the CFPB do its job and cause the public record on my credit report to be deleted. Furthermore in a letter I uploaded I listed the laws that are being violated and my privacy is being violated. 

Act now or I will also see how I can press charges against the CFPB for not doing its job!!!!!! 

My next actions I will have no choice but to file a lien and an involuntary bankruptcy against the CFPB and the credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX filed a lawsuit for a credit card claim which I did not make. Case # XXXX in XXXX County District Court in XXXX, Ky. Waited for over a year for it to go to court. XXXX 's lawyer showed up before my case and did not have any complaint for me and judge dismissed the case for lack of prosecution dated XX/XX/XXXX. My lawyer wrote to the three credit reporting agencies, XXXX and XXXX removed the bad claim but Equifax refused to remove the false charge. This has been going since XX/XX/XXXX and I have filed complaints to them every month up to XX/XX/XXXX. Supporting documents are available.
Product: Credit card

Since around XXXX, I 've held a Bank of America credit card. On XXXX XXXX, XXXX. I presented it in a branch in the XXXX area. I explained that I wanted to payoff and close the account. They gave me the payoff number ( {$1200.00} ). I wrote them a check, which cleared the next day, for that amount. They said I had to actually close the account over the phone, I verified with the staff that if I completed these steps, the process would be complete, and I would n't have to do, or pay, anything else. I called their call center the next day and closed the account. I verified with the CSR who closed the account for me that I would n't have to do, or pay, anything else. 

On XXXX/XXXX/XXXX, I got an email with a new statement. I checked it to ensure I did n't have to do anything else, and that the balance was {$0.00}. It was n't. BoA had charged me {$23.00} further interest. 

This is unacceptable. I paid off the account, closed it, verified twice that the process was complete, and they still charged me interest against a closed account. If they 'd have told me when I wrote them the payoff check that it 'd have been another {$23.00}, I 'd have paid it. They did n't. 

As we agreed, I consider this account closed, and I do not owe them an additional {$23.00}. Please help me have this debt removed from my account, and from my general record.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX ...., has violated my rights XXXX XXXX XXXX ...., Has violated my rights XXXX XXXXXXXX XXXX ...., Has Violated my rights XXXX XXXX XXXX ... .., Has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer report as late for any purpose.