23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am XXXX XXXX XXXXXXXX and am submitting this complaint myself with no third party. I, XXXXXXXX XXXX XXXXXXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. The following United States Codes XXXX doing business as TRANSWORLD SYSTEMS INCORPORATED has not abided by : 1 ) 15 USC 1602g : XX/XX/XXXX, XXXX doing business as TRANSWORLD SYSTEMS INCORPORATED claims XXXX XXXX XXXX  doing business as XXXX was the original creditor and they are the current creditor, 2 ) 15 USC 1692e : XX/XX/XXXX, XXXX doing business as TRANSWORLD SYSTEMS INCORPORATED claims XXXX XXXX XXXX  doing business as XXXX was the original creditor and they are the current creditor, 3 ) 18 USC 1961 racketeering and extortion through interstate commerce, 4 ) 15 USC 1692j : deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8. I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by XXXX doing business as TRANSWORLD SYSTEMS INCORPORATED on XX/XX/XXXX via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by XXXX XXXX XXXX doing business as XXXX adverse action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} per occurrence per offence. XXXX XXXX XXXX  doing business as XXXX and XXXX doing business as TRANSWORLD SYSTEMS INCORPORATED is now civilly liable to pay me for the damages.
Product: Student loan

Hello, My student loan service provider, EdFinancial has not been communicative in all my phone/email attempts. 

Prior to student loans resuming collection, I went in and paid off the full amount on one of my loans for a total of {$20000.00}. 

However, on XX/XX/XXXX, autopay processed before that went though. As a result this caused a credit on that loan of {$260.00} owed back to me. 

I've reached out via phone and email about this situation and was told they would look into it on phone and get back to me, to which they have not. In email I wrote and got a reply back telling me great job paying off two seperate loans, which I had paid off years ago, so this wasn't relevant at all to what I was asking. I've coninued calling regularly requesting time and time again that this credit be issued back to me or applied to the balance of my still existing loans and haven't had any luck. 

This has been going on for over 2 months now.
Product: Debt collection

XXXX   XXXX  has been reporting a debt on my credit report. I have yet to receive  one notice from them in regards to the debt at my address. This also means that I was  not afforded the opportunity to dispute the debt prior to them reporting it my credit reports. I received a notice today    XX/XX/2017    that they received my dispute but there was no information to validate their letter. This is the first notice from the company to my address, never received phone calls in regards to the matter either. According to my credit report they are have been repeating the report to keep it fresh so that it starts the " credit clock '' over which i 'm sure is also illegal. Not to mention I got a notification within the last day or so that a " NEW '' debt was reporting to my credit and once again I was n't notified.
Product: Credit reporting or other personal consumer reports

I had started a free trial of Experians Creditworks Premium membership on XX/XX/2023. I proceeded to cancel it on the same day due to the fact that I didnt really see it as much help. Its a 7 day free trial and I cancelled it on the first day. I proceeded to get charged ( {$27.00} ) for a month of the membership the following week. I called to ask why I was charged and was told that my account had been downgraded the same day as I got billed. Id still have the services of the Premium membership for 30 days but that I wouldnt get charged next month.
Product: Mortgage

MY MORTGAGE WAS BEHIND APPX {$5300.00}. I SENT GREEN TREE SERVICER {$5000.00} IN THE FORM OF AN ONLINE CHECK. MY BANK RECORDS REVEALED THAT MY CHECK WAS CASHED XX/XX/XXXX. THE BANK DENIED EVER HAVING THE CHECK AND CASHING THE CHECK. I SPOKE TO MANY, MANY SUPERVISORS AND MANAGERS IN THE COLLECTIONS DEPT REQUESTING TO RECIEVE MY CHECK BACK BECAUSE I WAS TOLD THAT I WAS IN FORECLOSURE AND THEY COULDNOT ACCEPT THE CHECK. AFTER BEING IGNORED BY EVERONE I SPOKE TO ... .. I REALIZED THE ONLY OPTION I HAD WAS TO SEND THE BANK THE ADDITIONAL FUNDS TO BRING MY ACCOUNT CURRENT. THOSE FUNDS WERE IMMEDIATELY RETURNED TO ME FOR PARTIAL PAYMENT. XXXX OF THOSE CHECKS WERE SENT TO THEM THE EXACT SAME WAY AS THE {$5000.00} CHECK THAT I SENT SO I WAS CONFUSED AS TO WHY THEY COULD SEND THOSE FUNDS BACK SO SOON BUT NOT THE {$5000.00} PAYMENT I SENT. I DIDNOT RECEIVE MY CHECK BACK FROM THE BANK UNTIL THE END OF XX/XX/XXXX ( ALMOST TWO MONTHS ). BY THAT TIME I WAS CHARGED / ACCRUED PENALTYS AND LAWYER FEES THAT WERE ASTRONOMICAL AND TOTALLY UNCALLED FOR ( AS MY PAYMENT HISTORY REVEALS I TRIED TO BRING MY ACCOUNT CURRENT MONTHS BEFORE.
Product: Money transfer, virtual currency, or money service

I Have been using Zelle and I have been having a lot of discrepancies with my account I have reached out to the companies involved I was told that they will handle it and nothing has been done I lost alot of transactions and was told it was nothing they can do about it when they clearly see the proof just loosing a lot of money they claim they cant find
Product: Prepaid card

Briefly, over the past week ( XXXX XXXX ) numerous attempts to use, or convert, a fully activated American Express XXXX XXXX to accessible funds ANYWHERE ( in-store and online ) have been denied. There is a {$1000.00} balance on the card.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. Your company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB, XXXX, Attorney General, and Secretary of state. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. I demand the following accounts be removed immediately. Account Number : XXXX XXXX  Account # XXXX Delete this account. XXXX XXXX XXXX Account # XXXX Address:XXXX  XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX there is some inaccurate information reporting. Account Number : XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

After Reviewing my Credit Report with EXPERIAN I noticed Inquiries on my EXPERIAN Credit Report that I did not Authorize that are not connect to any account on my credit report by these banks of dates listed, XXXXXXXX XXXX Inquires Date XXXX, XXXX XXXX XXXX XXXX Date XXXX, XXXXXXXX XXXX Date XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Date XXXX. According to 15 USC 6802 ( d ) A financial institution shall not disclose, other agency an account number to similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent nor instructions for any inquiry to be allowed to report to EXPERIAN Credit Bureau. Please verify all written letters. 18 USC 1028A Aggravated Identity theft. EXPERIAN Credit Bureau has committed a crime according to 18 USC 2028A XXXX XXXX XXXX. Please remove all inquiries on my credit Report with EXPERIAN
Product: Vehicle loan or lease

In XXXX of 2022 I bought a car and used Bank Of America to finance the car loan. Right after I got the car loan, I put {$10000.00} towards the payment so I would not have future payments for quite some time. This is not the first time Ive done this, so I called the bank to ensure that they understood what I wanted. I told the bank that I wanted {$10000.00} to go towards principal as well as interest as if I was making payments. A few weeks later, I noticed That the payment of {$10000.00} went straight to principal. I called back and verified and put in a complaint to have the payment reversed and put towards principal and interest. The bank told me it would take XXXX to XXXX business days to complete. A week later, I checked again and still no change. I proceeded back three times with the exact same thing every time. Now two years later, I got informed that I was delinquent on payments for the last two months and then my payoff amount was {$2000.00} more than my principal amount. This is due to interest accruing over the last two years since I had not paid a payment. I called last week to get this corrected and was told the same thing it would take XXXX to XXXX Business days. I was also told that my 10 day payoff amount would lower to be closer to the principal amount. I checked again today and there has been no changes to the account. I called again today got hung up on and finally got a callback from a representative, That was very friendly and helpful. She help me through a lot of things, but in the end told me that what I was told two years ago, its not true and that my Payoff amount Was still going to be {$2000.00} more than principal due to the fact that I had not paid interest for two years. This directly contradicts what I was told two years ago when I put the {$10000.00} as my first payment. I am very satisfied with Bank of America, as I was told and meant to believe a false notion. I am a service member that is just trying to trade in my car and close this loan before a month now Ive been working to get my payoff where my principal amount is. This is not my first time doing this, and every other bank that Ive ever worked with had no trouble. Frankly, I feel like I am getting conned and what I was told two years ago was not correct.
Product: Checking or savings account

I deposited a check for over {$30000.00} on XX/XX/2020. I was given a funds availability date which was changed. It was then change the 2nd time and a hardhold was put on my account. I was told that the funds would be fully available on XX/XX/2020. Today when contacted Bank of America to find out why the funds were not available they said that they have not yet been able to collect on the funds and that the funds would be fully available on XX/XX/2020. They could not give me a straight answer and said that if the funds become available prior to that I should still expect that there would not be available to me until XX/XX/2020. This is over a 30 day hold on a check I have deposited 4 prior checks totaling over {$100000.00} from the same issuing bank. There delays are significant. I have confirm that the issuing back has in fact paid the check. And bank of America confirmed that it was not returned. It has been over 2 weeks and nothing has changed.
Product: Debt collection

I am disputing the accounts today as they are a result of identity theft, the XXXX  Data Breach exposed my personal information to criminals who used my information to open several accounts in my name, my personal information will always be exposed to those who have used them against my knowledge to open fraudulent accounts. 



Under the laws of the FDCPA, I have contacted these companies myself and asked them to verify these accounts, and they have refused to do so. I have contacted the Consumer Financial Protection Bureau as well as the FTC and filed a report against your company for reporting this false information to my account. 



The FCRA requires you to verify the validity of any information reporting to my credit report, which you have failed to do so, as I asked 30 days prior to today for this account to be removed and your company has not done so. I am demanding that you remove these accounts from my credit file, as it is against the law to report these accounts. 



In the event that you do not remove these accounts from my credit file, I will not hesitate to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 



Remove : 1XXXX XXXX  {$960.00} 2XXXX XXXX  {$1100.00} 3.XXXX XXXX XXXX  {$650.00} 4XXXX XXXX XXXX XXXX {$1600.00} The only name that should be reporting to my credit file is ( XXXX XXXX XXXX any other names should be removed . 



The only address that should be reporting to my credit file is XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ) any other addresses should be removed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OH Please see attached the response that I received from the debt collector HMC Group. It does not matter how many times I file a complaint against them by law they must respond to each and every point and dispute that I, the consumer brings to them. Being that they clearly failed to respond to the attached Affidavit of Truth, that was sent to them yesterday XX/XX/XXXX, the Affidavit stands at truth as an Affidavit that is uncontested, unrebutted, and unanswered stands as truth and the unrebutted Affidavit becomes the judgement in commerce [ United States v. Kis, 658 F.2d 526, 536 ( 7th Cir. 1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. XX/XX/XXXX XXXX ]. Therefore as a consumer I am now demanding that HMC Group zero out the balance of this alleged account and delete any and all references to this alleged account.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shortly after the Equifax breach settlement of 2017 I incurred massive unauthorized charges across the board in my credit accounts and utility accounts. It is the fiduciary responsibility of all cras to look into the matter and make sure that it is available that. I have attached an FTC for report in regards to the manner and look forward to the resolution and the maximum time allowed by law 5 days being properly executed.
Product: Mortgage

In XX/XX/2023, I had a conversation with XXXX from Town Mortgage regarding a financial hardship I was facing at that time. XXXX assured me that she would pass on the information, but I did not receive any further communication from her or Towne Mortgageuntil yesterday, which was XX/XX/XXXX. It was frustrating to realize that XXXX denied being the person I had spoken to in XXXX, despite my clear recollection of her introducing herself by name. She was rather XXXX and unhelpful during our brief interaction. Instead of guiding me towards any assistance or providing any direction, she simply brushed me off. To my surprise, when I mentioned that I had given consent for a third-party to handle the matter on my behalf, she abruptly informed me that they do not engage with third-party individuals and would only communicate with me directly. XXXX 's behavior, attitude, and lack of professionalism have left me feeling unsupported and disrespected. It seems to me that this company 's intentions are not aligned with assisting homeowners in keeping their homes, but rather with facilitating their loss.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Money transfer, virtual currency, or money service

Refuse to tell me why I could not use their online banking XXXX. Would not let me use XXXX. Decline to provide customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are trying to obtain financing for a home and we were told that there was a mortgage through Loancare Servicing Center from 2014, still on the credit report. It showed Open/In good standing/Paid as agreed, but it had a balance of {$360000.00}. 
This loan was a refinance of a previous house ( since sold ) and the loan had been sold several times after this servicer had bought it. We contacted them on XX/XX/XXXX requesting a correction and a letter stating that the correction was being made. We have nothing. I call every day and each call takes approximately 30 minutes, only to be told that it will be escalated and someone will call and a letter will be sent " in 24-48 hours '', but no one ever calls and we have no email, no letter, NOTHING. We are unable to get financing for our new home because of this. THEY HAVE ACKNOWLEDGED THAT THIS IS AN ERRONEOUS REPORTING and I still can not get them to put that in an email. I do n't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts below Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX XXXX  states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed. The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed XXXX XXXX XXXX on my Trans Union credit file twice duplicate affecting credit and the original account XXXX XXXX XXXX was settled in my XX/XX/XXXX bankruptcy.