23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Transworld System Inc is the record keeper for XXXX which is a trust, not a lender like some reps at XXXX XXXX XXXX claim ( XXXX ). I need all of the negative marks removed due to misinformation that XXXX gives. There are multiple complaints against XXXX due to misinformation given, there are over a hundred online as of today. Per XXXX state law, XXXX ca n't force auto debit down my throat, I have told them several times that I will never do that with them. Also per XXXX is considered to be a XXXX debt buyer which means they have to adhere to FDCPA and FCRA. XXXX is a XXXX trust that sells debt into investment vehicles and has to prove whether or not they still have the loans. I have not received any proof of this which I asked for several times. Transworld has send some of the debt to a collection agency, but it is illegal to collect on a debt without showing me where it is currently per an attorney I spoke with. XXXX is a fraud they have received several XXXX and XXXX complaints against them which Transworld is aware of. My credit is trashed due to XXXX and their lies. Transworld outsources to other firms to do their work, the way their system is set up is so confusing. On my credit report, it shows that XXXX is a credit grantor which is a lie. XXXX is a trust and XXXX is a servicer. Per the FDCPA and FCRA, all of the information given to the credit bureaus must be accurate. I want all of the negatives plus the loans removed from my credit, I have told XXXX that I am not interested in doing auto debit with them. I even sent them a letter along with the forms saying to stop sending that information to me. I just found that XXXX of the loans was sent to a collections law form even though I was told by XXXX XXXX that he would hold the loans. Transworld is well aware of the complaints because they can go online to find them. My credit is ruined because of the way Transworld does business and they are in the business of confusing people, I can be sued over this debt even though XXXX refused to give me all of the required information, they only sent a promissory note but no information showing anything about XXXX. Also, whenever XXXX send out any letters it only states XXXX on the letterhead and XXXX XXXX XXXX for the name of the loan, again no mention of XXXX which is required for all paperwork. XXXX is a sham based on the complaints I read against them plus they use scare tactics such as wage garnishment, in order for any company to garnish my wages against me on a private loan ; they have an active judgement against me in the state XXXX. My federal loans were in current status, therefore the scare tactics are illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to Experian on XX/XX/2022 requesting to investigate and verify the Accuracy of the accounts on my Credit Report. These accounts ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) are reporting erroneous information on my File. Despite the previous written requests sent to Experian, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Experian to investigate the erroneous accounts and have them corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to a report from Transunion ( reported on XX/XX/XXXX 2020 ) I opened a credit card/loan with XXXX with a credit limit of {$6000.00} and a balance of {$4900.00}. My boyfriend went through XXXX and opened a credit card with them for this amount, and he gave them his social security number and allowed me as an authorized user on the card. XXXX never asked for my social security and I never gave them any authorization to run my credit. My credit report is now saying that I have {$4900.00} in debt with XXXX and they ran a hard report which dropped my score significantly. When I contacted XXXX more than once they denied any of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I believe my rights as a consumer are being violated by XXXX. Specifically, I am trying to purchase my first home. During the mortgage application process, while applying for a home mortgage, I learned that there was a delinquent item from XXXX reported on my credit report. This delinquent item is severely impacting my ability to secure a home mortgage. In addition, even if I am approved for a home mortgage, I will be paying a higher annual percentage rate ( APR ) for my mortgage due to inaccurate reporting by XXXX. My credit profile and my credit scores are being negatively affected and as a result of the erroneous reporting. As such, I demand that XXXX remove this erroneous reporting immediately. 

As a consumer, I take great pride in my credit and realize that the cost of credit is partially based on my credit history and my credit score. I am praying that Consumer Financial Protection Bureau ( CFPB ) take immediate action to cure the injustice to my credit report. 

Please note that I was a longtime customer of XXXX for many years. In 2016 I moved from my apartment and into a new residence. Upon moving I completed an address change with the United States Postal Service to ensure my personal mail was forwarded to my new address. 

Further, when I moved, I canceled my XXXX plan and moved my cellular phone service to XXXX XXXX XXXX. I received a final bill from XXXX and paid it accordingly. After moving, I had no subsequent communication of any kind from XXXX. Then, approximately 90 days after moving and being on the XXXX XXXX XXXX plan, I received a call from the collection department at XXXX. I was told that I was liable for an early termination fee of approximately {$200.00}. It should be noted that I was not aware of the fee, nor did I ever receive any billing of any kind whatsoever. At the time, I didnt want to fight with XXXX so I paid it. 

However, prior to paying the alleged amount due, I specifically asked XXXX if anything was going to detrimentally affect my credit. XXXX assured me that there would be no reporting of any derogatory items to any of the 3 credit bureaus ( XXXX, XXXX, Transunion ). As such, I paid the amount they claimed I owed them. I assumed that the amount was paid in full and the account closed and no derogatory reporting on my credit report. 

Thank you in advance for your review into this matter. I sincerely appreciate your help in resolving this matter. Please do not hesitate to reach me should you have any questions or require any additional information. 

Very truly yours, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number XXXX is and has been reporting as a collection on my Equifax report in XX/XX/2019 for {$650.00} and was updated in XXXX. I called them and was not provided any information. I also completed a police report. this wrong information has impacted my credit worthiness.
Product: Checking or savings account

In a big thing of identity there since XXXX I started having problems with XXXX I lost a lot of money and then I started having problems with XXXX XXXX then I started having problems with XXXX XXXX  and now I'm having problems with the bank that I have right now that is Citibank money spent withdrawal without my authorization and big amounts of money and also have been withdrawal last month XXXX word withdraw out of my account and the month before it was XXXX now this one is XXXX have clues of people working in Branch doing fraud with money please I'll be having this issue for a long time thank you I want to open investigation and if you guys need information on more than happy to help you
Product: Debt collection

collectcion company calling me multiply times about my debt ..whitch i tryed to explain im un able to work due to disability..they wouldnt let me talk ..they kept trying to get me to sell something to pay my debt..called me a dead beat they dont understand i cant pay if dont have it ..had to sign up on XXXX XXXX ... i have nothing to sell im broke period..but keep telling me i need to pay my debt stop being a deadbeat..tryng to say what i owe an dont owe
Product: Credit card or prepaid card

Hello American Express! 

I wanted to thank you for taking the time to read my letter, I am sorry I had to resort to a CFPB Complaint however my concern is dire and because of the conflicting information provided from previous customer service agents, I feel getting a hold of the Executive/Office of the Presidents would be the most appropriate. 

I've been a member with American Express since XXXX, I had a great history with NO DELINQUENCES whatsoever! My card was paid in full and I never was late, I even took a proactive approach which jeapordized my account because a customer service rep. who had encouraged me to do the wrong doing at American Express. 

In XXXX I started to have some financial hardship, I had lost my job and was unable to pay my credit cards, however, I was able to use my AmEx and pay for it as it was essentially my debit card and had enough funds for my everday expsenses, I was just unable to pay my credit cards. 

I contacted American Express letting them know about my financial hardship and that I was NOT going to be including my American Express card in my bankrupcy for a few reasons. 1. American Express is not only my favorite card but my favorite lender! They have the best service ever! 2. I enjoyed my card and did not want to give it up 3. It would've been unfair for AmEx for me to include them in my bankrupcy because I had no issues paying them and still don't. 

However, I decided to call AmEx as a proactive measure because I had heard that even if I did not include AmEx in my discharge, they would still close my account the second they saw the public record discharge, even if I was never late! I was then encouraged by the customer service rep. ( PLEASE REVIEW THE PHONE CALL!! ) where they encouraged me to discharge my American Express and NOT PAY FOR IT!! I WAS SHOCKED!!! 

I followed the customer service rep. advise as they encouraged me to not pay AmEx because they would just close my account out anyways. In doing so, I received an offer for the " XXXX XXXX '', where AmEx promised to give me back my membership, totaling the credit line I had defaulted on IF I paid them. 

Now, however, 6 years later, American Express still hasn't lived up to their promise of giving me back my membership if I pay off my entire balance. I am writing this letter in hopes to get a hold of an indiviual who will help me with this journey of paying back my balance, being taken off their " blacklist '' and offered the promised product.
Product: Credit reporting, credit repair services, or other personal consumer reports

As an individual consumer I thought it was prudent to put credit freezes in place with each of the 3 credit bureaus immediately following the Equifax data breach. I was attempting to change XXXX XXXX providers for my home since my current agreement is about to expire. It occurred to me my new provider would need to do a credit check and they confirmed they only do that with Equifax. I first went to www.freeze.equifax.com to process a temporary lift on my freeze. I entered all information exactly as specified and received the following notice " We're sorry ... we can not process your online request concerning an Equifax security freeze. '' The Gas company I was working with game me the Equifax number of XXXX which turns out to be a call center in the XXXX. I spoke to a representative there who after taking all of my info ( SSN, address ... etc ) came back on the line and told me they have to interface with the " Specialty Department '' and that I would need to " call back tomorrow '' and that this entire department was not available today ( a Thursday and non-holiday ) at XXXX EDT. I spoke to a Supervisor who then told me the same. I then spoke to the Manager named " XXXX '' who confirmed the entire Specialty Department was the only department that could help me and they were unavailable today. He also confirmed with me several times that he had no Boss/Manager and that he was the head of the operation. Absolutely ridiculous. So as it stands at the moment, I CAN NOT switch XXXX XXXX providers because Equifax is proving once again to be completely incompetent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXXXXXX XXXX since XXXX asking for proof of validity of a debt. They have not provided any proof that debt belongs to me and will not respond to any letters that I have sent. I have contact all three credit bureaus and the creditors themselves. 

The account also looks like it has been re-aged because I did not open anything with XXXX XXXX in the month of XX/XX/2021. 

The amount reporting on my credit report is {$240.00}.
Product: Checking or savings account

I have a bank of america checking account ending in XXXX. Which I wanted to close. But every time I call there is too much long hold. Once i was able to get hold of a person on phone but the phone got disconnected in between. 
Please close this account as I don't need it. 
Moreover please have chat and secure mail option to do this.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and anger regarding the continued presence of a charge-off account on my credit report despite numerous attempts to have it removed. I find it utterly unacceptable that my repeated efforts to address this matter have resulted in nothing but prolonged inconvenience and damage to my financial standing. 

I initially brought the existence of this erroneous charge-off account to your attention. Since then, Despite my best efforts, the charge-off account remains stubbornly affixed to my credit report. 

This situation is not only impacting my creditworthiness but is also causing significant emotional distress and hindering my ability to secure favorable financial arrangements. I am at a loss as to why a seemingly straightforward issue continues to persist, and I demand immediate and effective action to rectify this injustice. 

I insist on a thorough investigation into this matter and the prompt removal of the charge-off account from my credit report. Furthermore, I demand an explanation for the repeated failures to address this issue adequately. The lack of resolution is not only an egregious violation of my consumer rights but is also indicative of a severe failure in your dispute resolution process. 

I expect this matter to be treated with the utmost urgency, and I anticipate a comprehensive response within the exact timeframe from the date of this letter. Failure to resolve this matter promptly will leave me with no choice but to escalate my complaint to the relevant regulatory authorities and explore legal avenues to address this matter. 

I have attached, once again, the supporting documents for your reference. I trust that this will be the final occasion on which I am forced to provide evidence for an issue that should have been resolved expeditiously. I am asking for your assistance to remove this charge off account in my credit file : XXXX XXXX XXXX XXXX Balance : {$7700.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX will not provide me insurance with the decision based at least partially on a consumer report from LexisNexis Risk Solutions. According to Section 612 of the Fair Credit Reporting Act I am entitled to a free copy of that report. LexisNexis has rejected me that consumer report after repeated requests by me. I requested this report both through their online request url ( " XXXX '' ) but received in the mail a notice from LexisNexis that they were unable to authenticate my id even though I furnished my driver 's license number. I followed up with a phone call and they again rejected my request for the consumer report. Attached is a letter and supporting documentation.
Product: Credit reporting or other personal consumer reports

Consistent with Congressional policy, I have the right to ensure my private information is not shared without my consent. 15 USC 6801. 15 USC 1681 ( b ) ( 2 ) states that " [ i ] n general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' See also P.L 90-321 ( 82 Stat. 146 ). Portfolio Recovery Associates , LLC ( " PRA '' ) does not have my consent to furnish this information and they surely do not have my written consent. This lack of consent is confirmed by the attached legal opt-out notice. Moreover, 5 U.S. Code 552a ( a ) ( 4 ) and 5 U.S. Code 552a ( b ) ( 12 ) ( hereinafter the Privacy Act ) protects my right to privacy. Under the Privacy Act, subsection ( a ) ( 4 ), the term records include a consumer report. The disclosure of a consumer report ( a record ) under the Privacy Act can not be furnished without the prior written instruction of the consumer ( the individual to whom it relates ). PRA does not have my written consent to publicly furnish these records nor can they produce the same as it was never given to them. Additionally, 15 USC 6802 ( b ) ( c ) forbids the disclosure of " nonpublic information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. PRA never informed me of my right to exercise my nondisclosure option. And per the enclosed notice, I revoked any consent - implied, express, verbal, or non-verbal- to which PRA may have been relying on is legally revoked indefinitely. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : [ 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 information is inaccurate. Also, 12 CFR 1016.17 states that [ a ] consumer may exercise the right to opt-out at any time. I am opting out of PRA 's reporting of this account. Accordingly, PRA has received lawful notice of my opt-out of their reporting of the following account to non-affiliated third parties- such as XXXX, XXXX, and XXXX. Thus, PRA is not lawfully permitted to continue reporting this account on any of the consumer 's credit reports.
Product: Debt collection

This letter is in dispute of account number XXXX in the amount of {$1000.00}. XX/XX/2012, I spoke to a XXXX customer service rep that misrepresented the unlimited data plan. I was told that it was unlimited data all inclusive, but was sold the product incorrectly, it was not unlimited data. I asked the rep several times before accepting the plan if was truly unlimited and he said it was. I was lure to accept a package that was not actually unlimited data. I would have never agreed to the terms of the plan, if I had known the correct facts. I had also explained to the rep that my husband was injured in XXXX and XXXX retired so I needed a plan that would not be a financial burden. I received a bill that was over $ XXXX-XXXX. I called and spoke to a XXXX manager, who review the recorded phone and indicated that the rep did provide inaccurate information. He also stated there was not anything he could do to help us. We canceled our contract. The charges include early termination fees.
Product: Credit card or prepaid card

I purchased wheels and tires from a noteable tire shop in XXXX XXXX. I used there credit option as the told my it was free to finance. I paid XXXX over the last 3 months of the XXXX amount. 
I should only have XXXX left to pay but they are saying I still owe over XXXX bucks for a total cost of XXXX and now they are trying to call it a lease?? I never signed a lease. 
How could they charge me over XXXX extra in interest? None of these final charges were ever given to me when I signed up for this. 

The Company is Acima Credit. 
Account XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I am shocked to see that the XXXX major credit bureaus are continuing to report fraudulent, inaccurate, unverifiable accounts and information on my consumer report. This is hurting me as I am in the process of buying a home for my family. Please remove these accounts from my consumer report as they are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America transfered a charged off account to a collection agency in XX/XX/XXXX. The transfer to the collection agency was NEVER reported to any of the XXXX credit bureaus. Bank of America refuses to report accurate account history. I never consented to have my SSN, date of birth, address, name or account information shared to any company nor was I notified my account had been transfered to collections until I received letters from several collection agencies. 

XXXX disputes were submitted requesting accurate account history be reported and the transfer to collection be reported. As a consumer I have a right to have accurate account history reported. All my disputes are closed citing BOA is reporting accurately but nothing to substantiate a through investigation was completed to close my dispute. 

Providing letters from all the collection agencies my account was sent to, as well as a letter from Bank of America admitting my account was charged off and not accurately reported was never considered. 

I confirmed the issue as " unresolved '' as feedback to my last CFPB complaint which was also ignored. I contacted bank of america by phone and visited the branch. I contacted the collection agencies that sent letters and statements stating my balance was transferred. A security freeze was added to my consumer file. XX/XX/XXXX after I receive a letter from the same company claiming to be the new servicer of my account. Several collection agencies are contacting me about an account that was charged off in XXXX after I had to claim the balance as income on my XXXX. BOA writes of the balance sends me a XXXX then forces me to continue making payments without reporting the account went to collections. Collection agencies must STOP contacting me and STOP submitting credit inquiries for my credit to intentionally harm/damage my credit score.

I provide proof, the inaccurate information is never removed or updated. All attempts to correct Bank of America 's mistakes have been unsuccessful. I have wasted time, money and other resources to get this matter resolved. Companies committing fraud should be held accountable. Hold BOA accountable
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

This credit card opened an account for someone other then me in my name and now they trying to make me pay for it even after I disputed it.