23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Dispute of Collection Account Reporting- Reference to Fair Debt Practices Act ( FDCPA ), Title 15, Section 1692 et seq. 

Dear : Transworld Systems INC I am writing the reporting of a collection account on my credit report, as furnished by your agency. I believe that the reporting may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), Specifically under title 15, Section 1692 et. seq., of the U.S. Code, which governs the practice of third- party debt collectors. 

Upon reviewing my credit report obtained from your agency, it indicates the presence of a collection account with following details : { Transworld Systems INC,, and the amount owed. } In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that an original contract exists from the original creditor with a wet Signature from me, and a pictured ID in color creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. ( THE ORIGINAL PURCHASE AGREEMENT ) 4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Please be aware that I expect a timely response in 30 days, as mandated by FDCPA. Failure to comply with this request may result in the initiation of legal action to protect my rights under the law. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors- I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Mortgage

Ever since this company bought my loan I've had problems getting on their website. I've started over with a new profile about four or five times. I was given a number of someone I could call directly because I can't get help through the automation service. This number doesn't work because it asks for me to leave a message and then when it goes to leaving a message it says it's not available. Then before leaving a message with this number it says if I have an emergency to dial zero, When I dial zero it says this isn't available. This is the worst experience I've had with a company. They just want you to give up and not add money to your principal. Seems like stealing to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXL XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$3300.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance XXXX {$720.00} ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquiries on my files that I do not recognize. I mailed letter to all the companies and informed them that I dont know how they obtained my personal information and accessed my credit file. 18 U.S. Code 1028A - Aggravated identity theft. ( a ) Offenses.

( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. Moreover, I never applied for credit with the mentioned companies. Informed all of them that I didnt give them written consent to obtain my credit report. I didnt get any correspondence back from any of the companies. TransUnion XXXXXXXX and XXXX XXXX XXXX XXXX just sit back and dont help consumers such as myself. TransUnion and XXXX XXXX XXXX XXXX  breaks the law all the time. That is why the CFPB is suing TransUnion for continuing to deceive consumers.
Product: Checking or savings account

My Citi bank account was closed on XX/XX/XXXX. I received an email stating that my funds would be mailed to the address on file within 30 to 60 days. However, when I reached out to customer service on XX/XX/XXXX, I was informed that there was no update regarding the status of my funds. I followed up again on XX/XX/XXXX, only to find out that my funds are still being held.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account XXXX : XXXX XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

A ftc report was submitted to all 3 CRA 's in regard to con appliances. As a result of the investigation, XXXX determined the account was fraud and it was deleted from my XXXX report. Although I sent the same information to Experian and XXXX, the item was not deleted. I am submitting the same information as I will like this item to be reinvestigated and remove from all 3 CRA 's.

I have attached an FTC complaint, a copy of the Experian results from their investigation and a copy of the XXXX report that shows the item was deleted.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing presence of negative items on my credit report despite my repeated attempts to have them removed. In regards of providing thorough documentation and evidence to support the removal of these negative items, they continue to appear on my credit report. This persistent issue not only undermines my financial reputation but also poses a significant threat to my financial well-being. Moreover, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the presence of these negative items on my credit report. They have significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities necessary for my financial stability. I desire with you to prioritize this matter and take all necessary measures to ensure the prompt removal of these negative items from my credit report. Please help me remove these fraud items immediately : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXXXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX  Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX : Dear XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Mortgage

In XXXX of XXXX A verbal agreement was made between Wells Fargo and myself to use an escrow overage that was in my account ( {$1200.00} ) along with an electronic payment from my bank account ( {$1000.00} ) to be combined and used as a past due payment. On my XXXX XXXX statement the payment was reversed and put into an un applied funds account as a credit and then debited back out. On XX/XX/XXXX may escrow balance was {$1000.00} then on XXXX XXXX my escrow balance changed to {$730.00} with no explanation. At this point a total of XXXX and XXXX had disappeared. Along with a payment of {$1000.00}. On my XXXX statement an increase of {$2200.00} was added to my loan balance as an escrow loan. So now we are at a total of {$4800.00} in missing or unexplained charges to my account. In XX/XX/XXXX a payment was made to my account to be later reversed and disappear, In XX/XX/XXXX I received a letter from Wells Fargo stating I had a {$1700.00} escrow overage that was being held. In XXXX my account was transferred to XXXX with a XXXX escrow balance.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX A copy of an FTC report listing the products opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses, and a list of the questioned addresses are attached. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Transunion and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), a personal credit card account opened at XXXX XX/XX/XXXX under the account number ( private ) and a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of XXXX XXXX XXXX  ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX XXXX XXXX XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, personal loan, or advance loan

I filed XXXX  XXXX bankruptcy in XX/XX/2023 which included all my creditors. Avant- emailed to let me know about a {$2200.00} debt I have with them today XX/XX/2023. I called them today XX/XX/2023 and spoke with a rep. by the name of XXXX. I asked her for her agent ID for record purposes and she told me she didnt have one. I verified info for her to access the account I use to have and she explained that even on my account there is an ALERT that states not to contact me per my bankruptcy. I also explained to her that Ill be contacting my bankruptcy lawyer because of this and she didnt understand why. Its illegal to try and collect on a debt that was included in on a bankruptcy. Well they are still trying to get their money from me. It is illegal!!!!
Product: Vehicle loan or lease

It looks like I have more late payments that they are supposed to be. Since getting a new job on XX/XX/2020 I have been able to pay on time every single payment. Right now I have automatic payments so I dont missed a payment ever again. I am trying to buy a house and those late paymetns are not letting me get approved. I had some financial problems that caused me been late on some payments. If you guys can erase those it will help my credit go up and allow me to buy my first house. I promise I will never be late again. With my new job and now me been more responsible I will guarantee you I will make every payment on time. Please consider this. Thanks
Product: Credit card or prepaid card

I am filing a new protest regarding XXXX # XXXX, which I have already reported, because I received a self-righteous unilateral notice from the bank, which is very unacceptable. First of all, this bank never admits their fault. Then, they blame the customer for the consequences and responsibility, and push the blame onto the customer, silencing them. They push a messed up theory that they will not compensate customers who actually suffered economic damage because of their actions, while claiming to accept responsibility for their own actions, just by their words. When I lectured them that I was not convinced, they hung up the phone on their own, saying that there was nothing you could do because there was no way to do it anymore. How is it that you take your clients ' money and make high profits, but then put your own responsibility on them and pretend it didn't happen? Furthermore, because they do not want to be held accountable for their own and others ' words, they always force us to talk on the phone, even after we repeatedly ask them to email us. This self-righteous and coercive attitude is absolutely unacceptable. Once again I am claiming {$160.00} for the damage I have suffered.
Product: Credit reporting, credit repair services, or other personal consumer reports

My card was declined even though I knew I had just paid the bill and was in good standing. I called Discover Card customer service and they told me they had closed the account because the Social Security office had reported me as deceased on XX/XX/2021. My husband did die on XX/XX/2021. Discover Card representative told me I could have the Social Security office conference them in and give them a verbal authorization, then they would simply reinstate the card. 

After several days of trying to reach the Social Security office, I still have been unable to speak to anyone who can take action on this. In the meantime, not only do I not have my husband 's survivor benefits, I also have no credit card. The soonest the Social Security office ( and apparently this must be done locally ) could speak with me was in a telephone conference on XX/XX/XXXX, nearly two months after his death. 

I am unsure at this time how many other of my credit cards may be affected although I know that my XXXX XXXX and XXXX XXXX cards were cancelled immediately. I pride myself on having excellent credit and this in addition to being unable to order things I need until an unknown future date is financially and emotionally a hardship.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed.

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Product: Mortgage

Greetings, I am writing to lodge a formal complaint against Right Path Servicing regarding their handling of my mortgage escrow account. This issue concerns a significant change in my homeowner 's insurance and the subsequent lack of response and action from Right Path Servicing to adjust my escrow account accordingly. 

Initial Change Notification ( XX/XX/2023 ) : I informed Right Path Servicing of a change in my homeowner 's insurance provider, switching from XXXX XXXX XXXX XXXX XXXX. The new annual premium was substantially lower, {$1200.00} compared to the previous {$3400.00}. This change should have led to an adjustment in my monthly mortgage payment due to the reduced escrow requirement. 

Lack of Response and Action : Despite sending multiple emails ( the first on XX/XX/2023, followed by two subsequent follow-ups ), I received no acknowledgment or response from Right Path Servicing . My emails detailed the policy change and requested an updated escrow analysis. Additionally, attempts to contact the company via the provided telephone number were unsuccessful, with the phone system appearing to be designed to avoid direct customer interaction. 

Financial Implications : The failure of Right Path Servicing to respond and adjust my escrow account in light of the reduced insurance premium has placed me in a difficult financial position. As a customer, I am unable to afford the new payment amount and the delay in adjustment is causing financial strain.

Actions Taken : To resolve this issue, I have sent three detailed emails to Right Path Servicing, each outlining the situation and requesting an urgent escrow analysis update. I have also attempted to contact them through their customer service phone line, with no success in reaching a live representative. 

This situation reflects a lack of customer service and a disregard for the financial implications on a customer due to the company 's inaction. I seek the assistance of the CFPB in resolving this matter and ensuring that Right Path Servicing conducts the necessary escrow account adjustment in a timely manner, as per the change in the homeowner 's insurance policy. 

Thank you for your attention to this matter. 

Sincerely, Concerned Customer