23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received a signed contract from XXXX ( XXXX ) for services I would provide, in part paid for with a {$1000.00} non-refundable deposit. I sent an invoice through XXXX for that deposit, the invoice clearly stating it was non-refundable. That invoice was paid through XXXX on XX/XX/XXXX. Two days later, with no reason given, I was texted the words that the contract was null and void, and the money was going to be demanded back. Shortly after, I received a message from XXXX that I owe them {$1000.00} and a {$15.00} dollar fee. I contacted XXXX, they provided the information that the payment was made through a charge card with Wells Fargo bank. I disputed the charge-back, providing objective evidence of the non-refundable nature of the deposit. I tried to resolve this with XXXX, they said it is an external issue with Wells Fargo. Wells Fargo says it is an issue with XXXX. Neither has any interest in resolving this. In the meantime, XXXX has threatened to send the information to a collection company. No lawyer will take on a big lawsuit for {$1000.00}. Can you help?
Product: Debt collection

I am writing to you to bring to your attention a serious matter concerning a fraudulent account that has appeared on my credit report. I have previously disputed this account, and it was removed from my credit report. However, to my dismay, the account has reappeared under a new account number with the same creditor, XXXX. 

I believe that this situation is a result of identity theft, and I am deeply concerned about the impact it is having on my financial well-being and overall living situation. I have enlisted the assistance of my attorney, and together, we have gathered substantial evidence indicating that the account in question was opened without my consent or verification, and without obtaining a wet ink signature from me. 

Furthermore, it has come to our attention that the birth year associated with this fraudulent account does not match mine, and the account was created using a fake birthday, along with a different social security number before on the previous account and now just the birthday on this i believe same account diffrent account number which i believe is the same account, This clear discrepancy should be evident upon a thorough investigation. 

I have already engaged in discussions with representatives from XXXX XXXX  previously, and it appears that confidential information was shared between them and Source Receivable Management without my knowledge or authorization. This sharing of my sensitive information, including the last four digits of my actual social security number, further adds to the severity of this situation. 

I demand that a full and comprehensive investigation be conducted immediately to rectify this matter. It is your responsibility as a credit reporting agency to ensure the accuracy and validity of the information you furnish to creditors and lenders. 

I request the following actions be taken : A thorough investigation of the fraudulent account ( Account XXXX : XXXX ) with XXXX, including verification of the incorrect birth year and social security number associated with the account. 

Prompt removal of the fraudulent account from my credit report pending the investigation 's completion. 

A detailed report of the investigation 's findings, provided to me within 30 days of receiving this letter. 



Thank you for your attention to this matter, and I look forward to receiving your response.Please be advised that any delays or failure to conduct a proper investigation within the given time frame will leave me no choice but to pursue legal action against your agencies in a court of law. My attorney and I have already set a date for potential legal proceedings, and we intend to file a lawsuit against your agencies if this matter is not resolved satisfactorily. 

I expect prompt and effective action from your agency to rectify this situation and protect my rights as a consumer. Your cooperation in resolving this matter promptly will be greatly appreciated.
Product: Student loan

Dear President Obama, and CFPB : I am writing you to plead for assistance. XXXX individuals like myself are facing a student loan crisis and although we are hardworking people we do n't earn enough to eat. Two and a half months ago I obtained employment after being laid off and unable to find work. Prior to XXXX 2016 I was residing on the streets and utilizing food kitchens to eat. Last month I began receiving calls at work from the Student Loan Collection Company General Revenue Corporation and as a result was put on verbal notice by my employer that any further collection call at work and I would be terminated. I informed General Revenue Corporation that I just began work 2 months ago and did not have the funds to pay them. On XXXX/XXXX/2016 I received notice that my wages are going to be garnished. I was informed by General Revenue Corporation employee XXXX XXXX that they did not need court permission to garnish my wages and it would be going into effect immediately. 
I currently make {$16.00} an hour and after the state takes my retirement, federal, state taxes, and health insurance I take home about {$1600.00}. After being homeless for quite some time I finally obtained an apartment in which I pay {$700.00} a month and {$200.00} in utilities. I am currently on payment plans with the Internal Revenue and State of Arizona for messing up on my taxes while I was homeless. I owe over {$50000.00} in student loans. The loan with XXXX/General Revenue Corporation is XXXX of XXXX student loans. The payment for the first Navient loan is {$320.00} and the second Navient loan is {$110.00}. The {$200.00} I have left does n't cover my food for the month because I use the money to put gas in my vehicle to get me to work. 
I currently do not make enough money to pay living expenses and all my debts. I am an example of the working poor. I have a job but do not have money to buy food. I do not qualify for state assistance anymore because I work and they do not take into consideration that I have many people in the process to garnish my wages or the bills I pay. 
When the garnishment from General Revenue Corporation goes into effect I will have to quit my job. I will not have money left to put gas in my vehicle to go to work or pay for any necessities. I will essentially be working for free at least when I was living on the streets the state was willing to provide me with medical coverage. I know that there are XXXX people like myself who do n't have money to eat because of their student loan debt. We have no options and nowhere to turn. I am requesting assistance. 
Warmly, XXXX XXXX Cc : Presiding Judge over case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for items to be removed from my credit report that have not been verified as being mine. They have not been able to show proof of any original contracts with my signature or proof of late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account name : XXXX XXXX : Account name : XXXX XXXX  XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX and Account name : 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.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX Account # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

I am submitting this formal request to dispute inaccurate credit information appearing on my report. As a survivor of XXXX XXXX I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have the following derogatory item removed from my credit file. 
Disputed Account : XXXX Account Number : XXXX Opened : XX/XX/year> Balance : {$20000.00} Under FCRA ( 15 U.S.C. 1681c-2 ), survivors of XXXX XXXX are entitled to have negative credit information resulting from their victimization removed from their credit reports. I am formally requesting that TransUnion process the removal of this account in compliance with this law.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the numerous unsuccessful attempts to correct a late closed account on my credit file. Despite my persistent efforts to rectify this issue, the inaccuracies persist, negatively impacting my credit profile and causing unwarranted financial consequences. 

There is a late closed account inaccurately reported on my credit file. I have made multiple attempts to correct this error, providing supporting documentation to verify the inaccuracies. 

Despite my consistent efforts to address this matter by following the established dispute procedures, the inaccuracies regarding the late closed account persist on my credit report. Previous dispute requests have not resulted in a satisfactory resolution. 

The presence of this inaccurate information has severe consequences for my creditworthiness, affecting my ability to obtain credit, secure favorable interest rates, and maintain financial stability. 

I request that you conduct a thorough and expedited investigation into the inaccuracies related to the late closed account on my credit file. Attached are copies of the supporting documentation that confirm the inaccuracies and the correct account status. 

Additionally, I insist on clear and timely communication throughout the resolution process and a written confirmation once the investigation is complete. It is crucial for me to receive assurance that this late closed account will be promptly and permanently corrected on my credit history. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$12000.00}.
Product: Debt collection

The following text messages were sent to my grandmother, who I have not lived with for over 5 years, who also has no relation to my debt and should not be receiving communications regarding this debt. 
XXXX, this text is from Halsted Financial, a debt collector regarding your XXXX XXXX , XXXX assignee of XXXX XXXX XXXX account. Visit hfs.halstedfinancial.com/XXXX XXXX XXXX XXXX. Reply stop to opt-out or call XXXX. # of messages varies & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose.. Reply STOP to opt out If your XXXX XXXX , XXXX assignee of XXXX XXXX XXXX account is returned to our client we may not be able to renew these offers. Save up to {$930.00} in up to 2 payments when you visit https : //hlstd.me/s/AKIUT or call XXXX. This text is from Halsted Financial, a debt collector. Reply stop to opt-out
Product: Mortgage

I wish to refer to a loan with that is been serviced by Community Loan servicing. Their loan # is XXXX. Property address : XXXX XXXX XXXX, XXXX, MD. XXXX. 

The property was sold on XX/XX/2022 at a foreclosure action with settlement within 60days. 
I believe that the property have now settled for more than what was outstanding on it. 
All attempt to get Community loan servicing to be transparent with the transaction and provide details of the transaction has so far failed. We know that there are credit accrued to us even after deduction all their frivolous charges. 

But Community Loan servicing refused to provide detail and will not give us the balance due to us. The further mucky the water on this transaction, it appears the loan may have been transfer to another servicing company between the time it was sold at auction and before it is finally settled. No further information is provided to us. 

Kindly prevail on Community Loan Servicing and the new servicing company to be transparent and remit the balance due to us without further delay. 

We want to thank you for your time and cooperation on this matter. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 an account without my written instructions.

15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Debt collection

On XX/XX/XXXX at XXXXXXXX XXXX I was contacted by American Accounts and Advisors regarding an apparent medical debt owed. I was not given the mini-miranda prior to the collector discussing the debt and they did not attempt to confirm my identity. I advised that the debt was covered by insurance and I was not responsible for any portion of the same, something I also told their client numerous times by phone, email, and letter. The representative became aggressive and hostile and began yelling at me after I informed him that he was in violation of the FDCPA with his phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is additional information for complaint # XXXX : XXXX XXXX XXXX stating this account was opened on XX/XX/XXXX, when this account is actually from over 6 years ago. XXXX sent letter via CFPB stating last payment made on XX/XX/XXXX. 

In regards to collections from XXXX XXXX XXXX, I have sent in several complaints in regards to this same debt that has changed hands numerous times with incorrect information. The original debtor was XXXX  changed to XXXX transferred to several other collection agencies now with XXXX XXXX XXXX. This was a XXXX XXXX card, XXXX XXXX sold to XXXX XXXX. XXXX XXXX sent me defective merchandise and when their workers came to pick up, they left merchandise ( mattresses ) on the curb outside my apartment building in XXXX, which is against the law in XXXX. I contacted XXXX XXXX as I had to pay {$500.00} to immediately have removed myself, as well as issues with refund to my card due to their drivers not bringing back merchandise. Ultimately, XXXX XXXX corporate stated the matter was corrected and my account was current and I asked for it to be closed. Apparently, this was not communicated to XXXX  later XXXX and once transferred collections started. I have repeatedly asked for itemized bills from all parties and no one will send out to me. I reported all my credit cards stolen in XX/XX/XXXX and sent police report to all my credit card companies etc, which is still being reflected on my credit reports by XXXX  on other accounts. However, XXXX XXXX XXXX is not only reporting me as owing {$2400.00} but stated that I made a purchase in XX/XX/XXXX, when even XXXX  sent letter via CFPB stating that last purchase was XX/XX/XXXX. Also, XXXX XXXX XXXX is reporting on XXXX that I made a payment in XX/XX/XXXX, which is absolutely false. I do not owe anything on this matter and I again ask for itemized bill so that I may determine what they are trying to state that I owe. XXXX XXXX XXXX stated that they do not have an itemized bill and I have to contact the store to obtain one. What store am I supposed to contact if I have no idea what the charges are. 



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Product: Credit reporting or other personal consumer reports

I have no connection to the mentioned creditors, and the inquiries are not mine.
Product: Debt collection

I sent a letter to TRANSWORLD SYSTEMS INC. asking for : 1.Validation of the debt-that is, the actual account.

2.Verification of a signed invoice.

3.A copy of the contract Binding Both Parties ( You and Them ) in a letter by " certified mail '' so that there is an independent " witness to it having been delivered.

However, according to 15 U.S.C. 1692e,15 U.S.C . 1692d and 15 U.S.C. 1692b Not use any language or symbol on any envelope or in the contents of any communication effected by the mail or telegram that indication that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Product: Credit reporting or other personal consumer reports

Transunion Website is completely un-usable to get information or process information relating to my credit report and score. Unable to Free Credit Report. When trying to access Credit Report the page just spins and spins. Attempted to connect from multipe locations and multiple machines with no change. 

There is a high number of errors present on this credit report that do not exist on any other report. Including 30 Day late charges on accounts that had XXXX balances. Attempting to work with their support did not lead to any resolution.
Product: Mortgage

I applied for a USDA home loan through 1st Alliance lending XX/XX/2016. I went through the entire process with this company, and submitted everything they requested of me. I received a preapproval letter early on in the process after I submitted the documents they requested of me. I sent the company several paycheck stubs verifying my, and my wife 's income, through the entire process, which was roughly 5 months, XX/XX/2016 to XX/XX/2016. So the company had ample enough time to verify our income through the entire process, to determine if I we were financially capable of making our mortgage payments if awarded the loan. We were told earlier on in the process that we had ample enough income to qualify for the loan, as well as through the entire process up till the end. I had to pay for the appraisal of the home we were attempting to purchase in the amount of {$470.00}, as well as we lost {$500.00} in earnest money that we put up for the home, due to the application process extending past our contract date. Also, the loan coordinator, XXXX XXXX, told us that we had to use their appraisal company, and could not use one of our choosing, which I feel is illegal. I feel as if we were victim to bad/illegal business practices because we were told initially that our income was sufficient enough to secure the mortgage loan with 1st alliance Lending, 5 months later, and after losing the {$470.00} we spent for the appraisal for the home, and the {$500.00} in earnest money we lost due to the process extending past our contract date, we were told that all of a sudden our income was n't sufficient to secure the loan, and that all of a sudden our debt to income ratio was too great, both of which was verified at the beginning of the process, as well as continuously through the 5 month process. Our loan packet also never went to the U.S.D.A. underwriter, it just stayed with 1st Alliance 's underwriter.
Product: Mortgage

During the year of 2014 from XXXX thru XXXX. I was making monthly payments to Green Tree Servicing LLC for my home mortgage. In XXXX 2014 I received notice that Green Tree was foreclosing on my home for not making payments. I was able to stop the foreclosure by signing a loan modification. Green Tree did not give me credit for the payments I made from XXXX thru XXXX even after I provided bank statements show them that the monthly payments were made. Since this problem started Green Tree changed names and now go under the name of Ditech Financial LLC. I was told by Green Tree and Ditech that those payments should be retuned, but to this date I have n't received anything.
Product: Credit card

I purchased 2 XXXX XXXX XXXX XXXX from XXXX XXXX. Upon opening the seats were very cheaply made and i asked to return within policy of 30 days to request a return. The seats were returned within 30 days. XXXX tracking confirmed seats delivered back to XXXX and signed for. XXXX will not issue refund. I am being charged for goods i do jot have
Product: Debt collection

I HAVE ALREADY FILED A DISPUTE WITH XXXX, I RECEIVED A RESPONSE FROM THE ORIGINAL DEBT COLLECTOR, AND XXXX. STATING : THAT THEY VERIFIED THE ACCOUNT AS LEGALLY BELONGING TO ME. IT DOES NOT BELONG TO ME, THIS ACCOUNT WAS OPENED ONLINE WITH XXXX XX/XX/XXXX BY A TENANT LIVING IN OUR HOME AT THE TIME. A POLICE REPORT WAS EVENTUALLY FILED, AND I DISPUTED THE ACCOUNT AS MISREPRESENTATION, FRAUD, AND UNAUTHORIZED USE OF PERSONAL INFORMATION TO GAIN ACCESS TO SERVICES OR CREDIT, TO XXXX AND XXXX. 

THE COLLECTIONS COMPANY " DIVERSIFIED CONSULTANTS '' SENT ME A LETTER THE OTHER DAY XX/XX/XXXX ( THIS IS THE THIRD TIME I'M, TRYING TO REMOVE THIS FROM MY CREDIT REPORT. )!!! 

BALANCE OWED ALLEGEDLY : {$480.00}