23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My credit report shows a collection from Transworld Systems Inc. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I request validation of the debt. Therefore, the company should have provided me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. 
XXXX ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
XXXX ) Documentation that shows I agreed to pay this debt. 
XXXX ) The Agreement that grants you authority to collect on this alleged debt. 
XXXX ) A copy of their state license, including license number. 

Transworld Systems Inc FAILED to provide several items on that list. They did NOT provide documentation that shows I agreed to pay this debt. They also did not provide the Agreement that grants them the authority to collect on this alleged debt. They also did not provide a copy of my state license, including license number. They did not send me all XXXX items. They can not send me some of those documents without falsifying them because they do not exist. I have attached the one, and only document the company sent me, that does not show where I am obligated to Transworld Systems Inc in any way. 

I am disputing the account stated below. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debt. But how is that possible? Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to verify that this is indeed my debt. 

Account name : Transworld Systems Inc Account number : XXXX The Fair Credit Reporting act requires you to verify the validity of this within XXXX  days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter.
Product: Mortgage

The following company had a mortgage on my home PNMAC XXXX I have the following late payment dates on my report : XXXX, XXXX, this was supposed to be under forbearance due to Coronavirus. I have health issues that prevented me from working as I would be considered very high risk. I called them and they could not help me. 

I can prove if need to be the health issues Had and still have as I'm fighting through them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX report Car Finance is reporting my account as XXXX past due which is incorrect. My account is current and my balance is incorrect as well. I tried to contact XXXX to dispute online but they are having system problems as well as a data breach issue. My score has dropped 50 point because of this incorrect, inaccurate reporting. Please help thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to come to some sort of closure with  XXXX  billing, This all started aro und  XX/XX/2016 .  I joint the  XXXX   XXXX  for life plan, big mistake! It was at that time a free service, in which I was bille d 3  payments of {$380.00} which I paid! I should never have billed for this service, I contacted  XXXX  on several occasions I finally received a call from a so called supervisor, Who explained that I should never have billed and I was told that the money would be put back into my account? This never happened, so I stopped paying  XXXX  until I got it rectified! I have tried numerous times to get this fixed with  XXXX ! I had tried to contact them online through  XXXX   XXXX  online services, I was repeatedly either disconnected or put on hold. I also called on a land line same result. I even contacted a regional  manager  who handles these matters for  XXXX , again no reply! Needless to say the account was then sent a very unscrupulous collection agency,   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX , So far they breached my email account   XXXX   XXXX   XXXX  , which I was under the impression was illegal to do? Secondly they run my credit on a monthly basis to keep my score down and report monthly on my credit report, again which is illegal, and these reporting agency 's do NOTHING TO STOP this! I have also contacted the Federal Trade Commission on this matter reference number :  XXXX  I am also contacting a Lawyer to see if I can start a class action law  suite ! Ag ainst the credit reporting agency 's and this so called   XXXX   XXXX   XXXX  ! After doing online research it seems that I am not the only one that has issues with  XXXX   Billing  practices!
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres been multiple attempts made w/the servicer, FedLoan, as well as all 3 credit bureaus, which even shows in the remarks sections on my reports that Ive disputed under FedLoan. Two major issues, not being corrected. I have SIX ( 6 ) open loans w/ FedLoan, 4 of those loans are being reported CLOSED on XXXX . Those same 4, were originally owned accts by XXXX & transferred to FedLoan. These 4 loans show current & open on XXXX  & XXXX. 

XXXX Original Loan info : {$3500.00} disbursed XX/XX/XXXX transfer date unk {$6000.00} disbursed XX/XX/XXXX transfer date unk {$1700.00} disbursed XX/XX/XXXX transfer date unk {$2900.00} disbursed XX/XX/XXXX transfer date unk 2. My other major issue w/FedLoan is that only on XXXX  report in the remarks section, on the 4 CLOSED loans. My Chapter XXXX Bankruptcy information is listed as if I filed w/FedLoan included. NO student loans were included in my Chapter XXXX Bankruptcy, filed XX/XX/XXXX, later discharged XX/XX/XXXX. Bankruptcy case filed in XXXX  XXXX, MO. US Bankruptcy Court # XXXX XXXX. It was filed under my married name. Which I am now back to my maiden name. They can always verify that information, Ive disputed several times w/ documentation & it still has not been corrected by XXXX  nor FedLoan.
Product: Debt collection

I am unaware of this debt and did not receive the proper notification of this debt. I also have not been given the chance to dispute this debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Debt collectors must notify you within 5 days of receiving an account and this did not happen. 

Debt collectors has no authority to furnish any account to a consumer reporting agency without providing proper documentation and all disclosures required by law and this is a clear violation of 12 CFR 1006.34 ( d ) If you believe you have supplied me with the proper notification, please provide me with the certified Mail Receipt with my signature.
Product: Credit reporting or other personal consumer reports

My privacy was violated in the Equifax data breach and want all accounts compromised deleted within 48 hours
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting fraudulent negative information on my credit report and it will need to be deleted. I'm noticing not only is information not mine but they also placed the closing date of the account as XX/XX/2022 so that it would show up on my account as new. I do not have any accounts with them that closed on XX/XX/2022. I cant believe they did this to try to ruin someone's credit. This is unlawful and inaccurate. 

In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S Code 1681 ( 5 ) this account is in violation of not reporting 100 % accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

***see attachments**** Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Im really worried that some of the information on my credit report on this account may be reported inaccurately. I understand that you must have procedures in place to respond to questions about credit reporting.

It looks like some of the details that you guys are reporting arent true. For example : Account Type shows Auto Loan when I thought the correct term for this alleged account was credit sale. Anyway, can you please help me understand whats going on?

Id like to see the following documents so that I can compare them to the information on my credit report. I would appreciate a thoughtful response from your office. Please dont send me an unintelligible response that doesnt address my concerns. Heres what Id like to see : 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note If I don't hear from you within 30 days then I will assume that you can not validate my request to show proof of this debt.

I appreciate your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU 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

it has been more than 30 day that i send out a letter disputing wrong information on my report and I have not received anything as im writing this complain on XXXX/XXXX/16
Product: Credit card or prepaid card

XXXX XXXX XXXX card by Citi no longer provides return envelope for paying your credit card bill. It is the only credit card company that I know of that refuses to send envelopes for payment. They stated it is part of cost-cutting initiative. Consumers should be protected from company policies that most likely will result in consumers paying late fees or finance charges. The risk of that is higher because Citi policy makes it harder and more cumbersome to pay your bill. They say consumers have different options to pay bill ( I.e. By phone ) - this creates a higher probability that consumers fail to pay on time due to failure to remember to call on time. Most check writers belong to older population. Protect the seniors of our community from major credit card companies such as Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX Account numbers, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 USC 1681 Section 602A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under a open consumer credit plan as late for purposes.
Product: Credit reporting or other personal consumer reports

I'm not sure why but TransUnion is reporting a big credit drop on my score. XXXX tried to charge me {$400.00} for an international call I tried to make on WiFi, but I do not see this reflected on the report so I am unsure if this is causing the problem. There are also items having to do with my student loans and small incremental increases of around {$100.00}.
Product: Bank account or service

I have filed separate complaints over {$38.00} fees charged for insufficient funds. Now M & T is charging multiple fees for just XXXX order. I made XXXX order from XXXX. The order is processed as shipped so there may be XXXX or XXXX debit charges for XXXX purchase depending on how many box 's. How can M & T charge multiple times for just XXXX purchase? This theft of my funds.
Product: Mortgage

WE went through Chapter  XXXX  Bankruptcy in  XXXX ,  XXXX  and we put our home through as well because we had put our life savings in to it trying to clear up all it needed and did not have any more to put in it and make the payment as well.As we had put it through Bankruptcy we assumed we has to move out of our home. We did move out and into an rent and have been renting since, we just tried to buy a home and all went well until the bank saw we had a Bankruptcy and even that was ok, but then the   XXXX    came up. Bank Of America had kept the payment going till it was so high and then offered us some help that we could not afford.The bank now reports cavers be cause they just foreclosed and bought the place themselves for {$100.00} on  XXXX   XXXX   XXXX  and that is a very long time to wait and now they say depending on who we want to go through, it co uld be 2 to 3 ye ars longer. We really need your help. we will be waiting for your responses.
Product: Credit reporting or other personal consumer reports

I have three credits reports ( XXXX XXXX XXXXXXXX XXXX XXXX, and XXXXXXXX XXXX XXXX  ) on my credit and they do not belong to me. I never opened these accounts and I am trying to get them off my report because they are inaccurate reports. I do not use any of these cards nor did I open any of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the XXXX XXXX on my three credit bureau reports. The inaccurate information remains after each dispute. The FCRA requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to bee inaccurate or that the furnisher has reasonable cause to believe is inaccurate. XXXX XXXX and Equifax, XXXX  and XXXX  are all KNOWINGLY furnishing and reporting inaccurate information on my consumer credit files. I have repeatedly disputed this inaccurate information and have also filed a previous consumer financial protection bureau claim. This inaccurate account is still reporting inaccurately on my credit reports. I hereby ask the consumer financial protection bureau have this account removed from my credit report per it is stopping me from getting insurance, affecting my credit score and my life in a dramatically negative way. It is also affecting me mentally and physically. If the three credit bureaus and XXXX XXXX continue to report this account that is showing charged off and late payments after the charge off as an open account I will have no other recourse but to contact my attorney general and file legal action.
Product: Credit card or prepaid card

SQUARE, INC. deactivate my online account and said " Any funds currently in your account will be frozen for a period of 120 days, and are due to be released after XX/XX/2023. 

While I answered a 20 questionnaire after the transaction explaining the surroundings of the transaction, provided proof of documentation of my business, and other request a documents, in good faith, they still refused to release the funds. 

Also, at the time of the transaction, the customer signed and agreed to pay that amount to me ( my company ) still Square inc is refusing to release the funds, without any explanation. They have refused to reach out to the customer to get verification that he authorized this charge.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Mortgage

every month Selene finance charges me hundreds of dollars in fees in when I bring my account current. There is no explanation for the fees and the fees are hundreds of dollars. 

In XX/XX/year>, I paid over {$3700.00} to being my account current and prevent foreclosure. Selene only credited me for {$2400.00} approx. and charged me fees for the rest of the money. 

The very next monththey charged me almost {$400.00} in fees. None of the fees have valid explanations. 

I would also like to see the policies and fee schedules for late payments and foreclosures. 

I can never get ahead because they do not apply my payments to the principal and interest. They constantly take my payments for their bogus made up fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported on XX/XX/XXXX. 2022 on Equifax that XXXX misses payments. XXXX is a closed account.
Product: Checking or savings account

Around XXXX XXXX, I deposited {$120.00} into the ATM. The screen froze after accepting my cash, " processing your transaction, please wait ... ''. I waited around XXXX minutes and then my card was spit and the cash was not credited to my account. 

XXXX  # XXXX in XXXX, Arizona.
Product: Checking or savings account

My account was compromised and funds taken out but Well Fargo said that the transactions were authorized, they were not.
Product: Money transfer, virtual currency, or money service

Had used Zelle in previous years and sent to wrong person and was never able to recover funds
Product: Debt collection

I WAS A VICTIM OF IDENTITY THEFT AND XXXX XXXX XXXX IS TRYING TO COLLECT ON A ACCOUNT THAT IS NOT MINE NOR CAN THEY PROVE IS MINE. THEY HAVE BEEN WARNED SEVERAL TIMES ABOUT THEIR DECEPTIVE PRACTICES IN TRYING TO COLLECT MONEY FROM ME XXXX XXXX. I DO NOT OWE XXXX XXXX  ANY MONEY NOR DO I OWE CAPITAL ONE ANY MONEY. CAPITAL ONE WAS NOTIFIED OF THE IDENTIY THEFT AND SENT AN FTC AFFIDAVIT FOR IDENTITY THEFT AND A POLICE REPORT. XXXX XXXX HAS APPARENTLY PURCHASED THE ALLEGED DEBT KNOWING FROMO CAPITAL ONE I WAS A VICTIM OF IDENTITY THEFT ALREADY.
Product: Money transfer, virtual currency, or money service

Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected.
Product: Money transfer, virtual currency, or money service

I am filing a complai

nt against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initially reached out to the bureus to do futher investigation for my accounts that has late remarks and they did not respond nor provide any proof that I pair late. 

I asked them to send me proof XXXX  they just ignored me.