23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/year> Transworld System Inc XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Cease and Desist from Unlawful Debt Collection Practices Dear Transworld System Inc, This letter serves as a formal notice to you and anyone acting on your behalf to immediately cease and desist from the activities related to your debt collection practices under 15 U.S. Code XXXXc - Communication in connection with debt collection These actions are unlawful and violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws and regulations. Your conduct has caused and continues to cause substantial and irreparable harm to me, and it must be stopped immediately. 

Therefore, I demand that you : Immediately cease and desist all unlawful debt collection activities. 

Confirm in writing that you have complied with this demand within XXXX days from the receipt of this letter. 

Failure to comply with this demand will result in legal action against you without further notice. 

Please be aware that this letter is not a complete statement of my rights in connection with this matter, and nothing contained herein constitutes an express or implied waiver of any of my legal or equitable rights, all of which are expressly reserved. 

Sincerely, XXXX XXXX
Product: Credit card

XXXX/XXXX/XXXXDear CFPB : Chase Visa defrauds me of {$55.00} charged to visa XXXX which XXXX charged on XXXX for a plan. 
XXXX breaches agreement for the plan. XXXX bills me for services. One service is to provide working CDs. The agreement provides XXXX to provide me XXXX working CD 's. 
XXXX does not fulfill its service or its contracted promise. 
XXXX refuses to send a working XXXX ( XX/XX/XXXX ) CD. 
XXXX sent me out XXXX technically defective cd 's. XXXX knowingly sends out CD 's it knows do not work or XXXX fails to check out that they work. I conclude that the service is not compliant with the contract. I reject that I am paying for services not cd 's. 
If I pay for services of a CD and the CD is never sent so that it works and XXXX does not address this problem then XXXX breaches its service and Cd agreement. Otherwise I would be asking for the same XXXX XXXX infinitely and never get it -- XXXX would be in violation. 
Specifically I paid XXXX {$55.00} for one month to send XXXX and it was sent over and over to me and never worked and I timely complained to XXXX and XXXX just kept ignoring and sending more nonworking CDs. XXXX breaches its contract and I wont pay this {$55.00}. 
I want the {$55.00} or I want XXXX XXXX ( XX/XX/XXXX ) working now. 
XXXX does not get eternity to send me XXXX working CD. It is unreasonable for Chase to say I pay for services and permit XXXX to send nonworking CD 's over and over. It is abusive. It violates the XXXX agreement. 
I wo n't settle. Give me XXXX working XXXX XXXX ( XX/XX/XXXX ) CD now or give me a refund. 
Nothing less will do. Otherwise I will take this to small claims court. 
If XXXX sends me another cd and it is again technically not working then I will save it as evidence for court. 
Basically XXXX refuses to deal with the royalty or technical rights issues preventing my playing this CD and ignores the problem. 
It is unreasonable for me to have accept continued XXXX XXXX replacements which are technically defective. This is not living up to the agreement. Specifically if an XXXX XXXX CD is not sent within one month then I am within my right to get a refund or give an ultimatum : send XXXX working cd of easy money ( XX/XX/XXXX ) or refund. 
No more abuse of my rights. 

Chase fails to take action to get me {$55.00} or get me a working XXXX XXXX ( XX/XX/XXXX ) CD. 
Chase excuses XXXX 's breach. Chase states XXXX has eternity to send me a working CD. I disagree. I do not excuse XXXX 's breach. Fix the problem or refund. 

I want {$55.00} or I want Easy Money ( XX/XX/XXXX ) CD now and it must work. 
I do n't excuse XXXX from its contract.
Product: Debt collection

I contacted GM Finance in regards a debt that should not be pending. Their response is it didn't go through to be removed from your credit report. We will contact our department to get it removed and I should receive documents in the mail. However its been pending for a few years and is actually showing debt being paid.
Product: Payday loan, title loan, or personal loan

The company is fraudulent. They will take your information and falsify it in order to get a loan approval. The manager told me incorrect information about my job history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violations 34 CFR 685.215 Discharge for false Certification of Student Eligibility or unauthorized payment.

34 CFR 300.302 Screening for instructional purposes is not evalu
ation Permissible Purposes of consumer reports 15 USC 1681b ( a ) ( 2 ) States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates 15 USC 1681 ( a ) ( 4 ) states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy
Product: Debt collection

XX/XX/2015, an item appeared on all three of my credit reports from AFNI , inc for an ATT debt. I contacted them by phone XX/XX/XXXX regarding the debt. During that discussion, I explained to them that this was an error and that I was disputing. About few weeks later, I received a letter in the mail from AFNI informing me that my dispute have been investigated and based on their investigation this account has been closed and Afni , Inc will take no further collection action and request the credit reporting agencies to remove. 

After receiving there letter, I monitored my credit report for four months waiting for AFNi to direct the credit agency to remove entry. In XXXX 2015, I sent a certified letter to AFNI requesting removal and validations in which they refuse to respond. So I sent a second letter in XXXX 2015 again requesting validation in which response was received. I also disputed this items with all XXXX credit reporting agencies twice between XXXX 2015 and XXXX 2015 and both times the disputes came back verified. 

With AFNI continuing to report this incorrect information on my credit reports, they have violated on numerous occasions the Fair Debt Collections Practices Act and my rights. They are purposely ignoring all my request for resolution and continue to report erroneous information which is a violation. 

I have reatined all my correspondence with AFNI 's, including copies of the XXXX certified letters I sent and a copy of the letter they sent me dated for XXXX XXXX. 2015 which indicated they will direct the credit reporting agencies to remove the incorrect account information from my credit files. This has not occurred. 

I 'm hoping the CFPB can assist me with resolving this matter before my next course of action of a lawsuit. 

Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, when reviewing a copy of my LexisNexis report, I noticed some inaccuracies. I reported these 2 errors to LexisNexis as a dispute on XX/XX/XXXX case # : XXXX. They requested further documents which I sent on XX/XX/XXXX via email is regards to the new case # : XXXX. They requested additional information which I sent in on XX/XX/XXXX case # : XXXX. I have now received a letter dated XX/XX/XXXX stating they are unable to locate the data. I have already sent them the exact pages that it is listed in my report, pages XXXX on my XX/XX/XXXX produced report and I included a copy of those pages in my response. This information is XX/XX/XXXX and XX/XX/XXXX and needs to be removed from my report. They have listed 2 different auto insurance claims to me which are completely unrelated to me and don't even have my name attached to to them, they list a XXXX XXXX, but that isn't my name and cars listed that I have never owned in a state I have never visited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and someone used my personal information to obtain these fraudulent accounts in my name without my consent. 

I did not benefit from any goods or services of these fraudulent accounts. I am requesting for your companies to remove and delete these fraudulent accounts immediately from my credit file or legal actions will be taken. 

XXXX XXXX XXXX 2. Bleecker Brodey and Andrews
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Acct Name : XXXX XXXX XXXX XXXX Acct # : XXXX, Acct Name : XXXX XXXX XXXX Acct # : XXXX, Acct Name : XXXXXXXX XXXX XXXX XXXX  Acct # : XXXX, Acct Name : XXXX XXXX XXXX Acct # : XXXX, Acct Name : XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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.

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

Remove these late payment and update this account immediately as you are indirect of several laws under the Fair Credit Reporting Act.
Product: Payday loan, title loan, or personal loan

I exercised my right of rescission as a result of XX/XX/2022 due to failure to provide me the following mandatory T.I.L.A required disclosures below and such rights in accordance with the regulations of the Consumer Financial Protection Bureau : 1. the creditor must deliver the notice of right to rescind to each consumer in the transaction 12 C.F.R. section 226.23 ( b ) ( 1 ) ( i ) - ( v ). 2. the notice must disclose the requisite information clearly and conspicuously 3. The consumer 's right to rescind the transaction 4. Information on how to exercise the right to rescind 5. the effects of rescission 6 the expiration date of rescission ( 3 days-3 years ) 7 to satisfy the notice requirement, the creditor is required to use model form in Appendix G form or the one substantially similar. none of the above did I receive from Onemain violating 12. C.F.R. section 226.23 ( b ) ( 2 ). Onemain is ignoring and refusing to execute my rescission rights thereby, being non-compliant to the regulations of the Bureau 12 C.F.R section 226.23 ( d ) ( 1 ) and 12 C.F.R. section 226.23 ( d ) ( 2 ). It appears Onemain and its officers are intentionally refusing to comply with the regulations of the Consumer Financial Protection Bureau, T.I.L.A. Regulation Z, and the U.S. Supreme Court Order and Decree on JESINOSKI v. COUNTRYWIDE HOME LOANS, INC.

729 F. 3d 1092 whereby borrower need only provide written notice to a lender in order to exercise right of rescind.
Product: Credit reporting or other personal consumer reports

american express XXXX XXXXXXXX XXXX are fraud accounts
Product: Checking or savings account

Me and my husband opened up this account when we moved to XXXX so we could live closer to XXXX. He told me he was sick of driving so far from XXXX XXXX. 
They sent back our XXXX XXXX. 
They sent back our Stimulus and they had to mail it to us. 
They called my husband in dead in XX/XX/2021 to Social Security and my husband died XX/XX/2021. We spent a whole month on the phone with Social Security trying to get the money back from Social Security for him. This was when we changed our direct deposit to XXXX XXXX bank. 
We got unprofessional voice message asking private information from people at the bank. 
I couldn't get XXXX to change his direct deposit for his XXXX from XXXX but I did with his XXXX pay from Social Security.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE TRANSUNION IS NOT LOOKING AT THE INFORMATION PROVIDED THEY MARKED IT AS DUPLICATE THIS IS WRONG. XXXX is past the statue of limitations and for whatever reason they keep reporting the account and wrong information. I have attached proof from XXXX showing the last payment date was back in 2011 and it should not be on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX : I requested validation/substantiation of a collection claim from XXXX XXXX XXXX XXXX XXXX in the amount of {$220.00}. No response was received at all, so I took it a step further and contacted Equifax ( followed the same steps for XXXX and XXXX, XXXX removed the account after their investigation : XXXX and Equifax did not ). XXXX/XXXX/XXXX : I requested Equifax investigate and remove the account due to XXXX XXXX XXXX XXXX XXXX non-reply ( provided a copy of the letter sent to XXXX XXXX XXXX XXXX XXXX ). XXXX/XXXX/XXXX : Equifax responded indicating that their investigation was complete : item verified. XXXX/XXXX/XXXX I requested the method/detailed explanation of the verification. In Equifax notice to consumer section on each response to my dispute, it specifically indicates word for word ; " You may request a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonably available the phone number. '' XXXX/XXXX/XXXX : Equifax responded with a duplicate of the letter received dated XXXX/XXXX/XXXX, the only difference was the date. My request was completely ignored. My requests were mailed certified, I am not only losing money but also losing time on detailed correspondence which is clearly not read by a human, this is obvious because I am receiving duplicate automated responses. Equifax stated in their response letters to me that they requested that XXXX XXXX XXXX XXXX send a response to my dispute ; why would n't Equifax forward me that response?
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated the accounts listed below was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, date last reported is inaccurate, two-year payment history is inaccurate, account status is inaccurate, past due balance on a charge off account is inaccurate. This is grounds for removal. 

Account Name XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX They also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - requested online a credit freeze from Equifax.

XX/XX/XXXX - received confirmation from Equifax regarding freeze, and suggested if information is incorrect to contact them at XXXX. 
XX/XX/XXXX - I called XXXX to inform them they entered my current address incorrectly. 

The customer service representative asked me all the security questions, a credit card company I use now, my social security number, my mortgage company & monthly payment, a previous address, my date of birth, etc. I answered all their security questions, I informed her they have my address incorrectly and needs to be corrected. She informs me I need to send a copy of my drivers license, copy of my social security card, and a letter stating what needs to be updated. 1 ) A sure way for someone to steal my identity is if I send the information she requested via mail. 2 ) I've already answered all their security questions over the phone, why can't they just update my information then? And if they can't, why bother asking me for all those security questions? 3 ) They made the error, it is their responsibility to update when contacted. If not, why bother asking us to call their customer service number. 4 ) Why am I not allowed to update via website? What is the purpose of their Personal Identification Number for the freeze if we can't even use it to update our information? 

Then I was transferred to the supervisor XXXX ID # XXXX, she informs me that I can have my BANK send information! Now that alone sounds like someone trying to steal more than my identity. 

This is absolutely unacceptable, if the only way for them to update their error is for me to send my personal information via mail ( copy of Driver 's license & copy of Social Security Card ), then there is a huge flaw in their " security '' system.

Why do we even need 3 credit reporting agencies? If Equifax can not get their data correctly in their systems, then they should not be in the reporting business! Please revoke their license to do business!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly lates on the XXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) I requested and was granted an income driven repayment plan. ( I have attached a copy of the letter from XXXX dated XX/XX/2019 showing the updated account information. ) These late payments need to be removed from my credit reporting. This incorrect reporting of lates is seriously harming my credit score. I have contacted the ( 3 ) bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has reported my XXXX payment as late after correcting it again last month. In reality, the XXXX, XXXX, XXXX payments were not late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through annualcreditreport.com to pull my credit reports. I was able to pull my XXXX credit report with ease, however I was unable to pull my XXXX report and Transunion report. 

I went directly to experian.com and was able to pull my credit report for free. I went directly to transunion.com ; I got an error message and was unable to readily acquire my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has violated my privacy rights pursuant to 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and noticed that someone has been trying to apply for lines of credit under my name. I don't have any affiliation or knowledge of these creditors being placed on my profile. I attended a XXXX  in 2021 and my purse was stolen that included my driver 's license and social security cards. I've monitored my report since the incident and now I'm noticing credit inquiries. I contacted XXXX, XXXX, and Equifax via phone explained my information was taken and being used. Reporting inquiries to my accounts without my written consent or permission is in violation of 15 USC 1681. Further reporting anything to my report due to identity theft is also violating my consumer rights, specifically 15 USC 1681 c-2. 
The creditors listed are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These hard inquiries are impacting my credit negatively
Product: Debt collection

IC Systems has added a collections my credit report for the amount of {$210.00}. The debt in references was originally owed by XXXX XXXX XXXX and was apart of a XXXX with a recurring monthly payment. XXXX and IC Systems failed to send any notification of owing a past due balance and instead added the collections to my credit report. 
The account was cancelled with XXXX XXXX XXXX between in 2015 as our dog " XXXX '' was stolen from our property and a police report was made. XXXX was notified immediately via phone call at the XXXX location and our account was cancelled. 
After the cancellation we were still being billed for pet care through automatic debt on an old account that was closed. After speaking with a representative from IC Systems we were informed about a contract that apparently stated that regardless of the dog being stolen we still had to pay. We have submitted a dispute for verification of the debt and a copy of the contract with XXXX but we have not been provided anything from IC Systems. Even though the debt has not been verified it still remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok first I am a victim of identity theft and I know this started with my XXXX phone account that I opened last XXXX. I tried over and over to get XXXX to stop the people who hijacked my account. There were things ordered account info changed and thousands of dollars that I had nothing to do with but XXXX did nothing but bill all that fraud activity to me in which we had this laughable arbitration XXXX that I had no chance to win if XXXX was not made to give all the many calls I made to them there fraud department and many more. This took place until I stop paying and my account was closed. Now there are XXXX collections on my account. I am a United States XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and served with honors, I cherish this democracy and firmly believe in responsibility, but there is nothing fair about how this is happening to me I found out were one phone that was bought on my account is in XXXX XXXX XXXX with the DA until they are done with there investigation. He told me there was no guarantee I will get it back at all but XXXX charged me for that phone it is clear it was stolen but they don't care I'm looking at a derogatory collection that hurts my chances at any credit and being on a set income that hurts. Please help me get this resolved.
Product: Money transfer, virtual currency, or money service

We worked very hard for this client XXXX XXXX from XX/XX/2024 all the way to XX/XX/2024 as per the attached signed retainer agreement contract, legal fee billing invoice where the client owes us {$27000.00} in total, he only paid a {$5000.00} retainer fee plus a {$2500.00} requested replenishment, plus the attached USPS tracking number shows the legal service product was received and fulfilled ( legal services, work product, research, consultation, advisory, investigation, in connection with an XXXX XXXX XXXX  ). 

However American Express stole our money right out of our law firm merchant account after he received the legal goods and services, which is felony theft of services, and grand larceny by trick. 

Please return our money back to us as he owes far more than he has even paid.