23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally file a complaint against Transworld System Inc, a collection agency, regarding their unethical and damaging debt collection practices. I believe that these practices are not only harmful to my financial well-being but also raise concerns about the legitimacy of the debt being collected. 

Firstly, I am deeply concerned about Transworld System Inc 's practice of splitting one account into two separate collections. This action not only confuses the issue but also has a detrimental impact on my credit history. I have observed that they have divided the debt associated with my apartment lease into two separate accounts, without any reasonable explanation or justification. This appears to be a deliberate strategy aimed at causing further damage to my credit report, which is not only unfair but also a violation of my rights as a consumer. 

Secondly, I have serious reservations about the accuracy and fairness of the debt being collected in the first place. The original creditor, my landlord, is apparently adding unfair charges to the debt, including excessive rent charges and unjust tax charges. It is crucial to address these concerns as these additional charges appear to be arbitrary and unsubstantiated. I have the right to request validation of these charges and their compliance with relevant legal and contractual obligations. 

Finally, I have to point out that my lease agreement was between me and XXXX XXXX XXXX, not with XXXX XXXX. I believe that both companies are different, and if they are indeed different, this collection should not exist The kind of actions and behavior exhibited by the collection agency are intended to compel me to pay an unfair balance. Actions such as splitting one account into two prevent me from renting a new apartment, and this kind of conduct could lead to homelessness.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is the worst they should be out of business Im a victim Of identity theft and they have my police report they refuse to block fraudulent accounts and inqueires which XXXX  has already deleted these people Will Report things for years and dont care their system is old and outdated and they dont remove anything even though they say they will it still reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the credit inquiry alert today XX/XX/2022 that Discover Financial Services pulled my credit, I called them and they said they never put any inquiry on my credit file but inquiry is still showing posted on XX/XX/2022
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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : Unknown Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an Equifax product ( {$15.00} XXXX XXXX ) that included refreshed XXXX scores up to once a day, an Equifax credit report once a XXXX and XXXX bureau report XXXX. I called them to add my XXXX  to the plan and they removed the daily XXXX score feature without telling me that this would happen. I now pay {$20.00} a XXXX for a daily Equifax report and score and have to wait a XXXX  to get XXXX scores/XXXX bureau report XXXX Definitely not worth the money. I can get that for free. 

The call center tried to tell me that it has always been this way ( gaslighting ) until I had them go back into the system and acknowledge that they removed the daily XXXX score feature when I added my XXXX. I requested a refund and that has been pending for XXXX  now. I am certain it will never come. They have since removed the XXXX score feature from my original plan, but they can't take it away from existing customers unless they make a change of some sort, which is what happened to me. That's fine, but they have to TELL YOU. When a customer picks up on it and complains, Equifax lies about it. 

I believe that Equifax is engaging in illegal/unethical practices in selling their products. They do not disclose to customers exactly what features will be lost when they make changes to an existing plan. Calling the customer service number is a waste of time. They just stonewall and say, '' you will be notified once the inquiry is complete. '' My inquiry has been going on for XXXX. They are so huge and insulated they do not care if they lose XXXX or XXXX customers for the millions who don't realize that they are paying more for less.
Product: Credit card or prepaid card

I tired using my credit card today at XXXX to get a few groceries. Today is XXXX XXXX, 2017. My card declined so I called my credit card company and they said that I had closed my account about an hour ago  at XXXX XXXX eastern time. I never closed my account, so they filed a identity theft claim that will take 7-10 business days for me to get a call. They 're going to investigate if they can open my account again. I 'm confused on how they closed my account without my permission. I never even got notified that my account was closed until I tried buying something at XXXX. I do n't want this ruining my credit either since I 'm young and have worked hard for it to be a good number. I know the person who has my social security number that did this and they 've been trying to get credit cards in my name too. I had to freeze my credit reports so they could n't order anymore credit cards. I want to get justice and help other people he 's scamming as well.
Product: Credit reporting or other personal consumer reports

Reporting inaccurate information to my credit report when I have made the payments
Product: Checking or savings account

I got an email that said " Weve decided to close your accounts because we observed activity that is inconsistent with our terms and conditions. When opening your account ( s ), you agreed to the terms and conditions that state we may close your accounts at any time and for any reason. Were unable to reopen any accounts and you wont be able to open any additional accounts with us. Your balance and any interest earned will be transferred to your linked external checking account within 2 to 3 business days. If you don't have a link or your link is closed, a check will be mailed to your address on file within 7 to 10 business days. If your account balance is currently negative, youll be held responsible for the negative balance. If you have any pending claims, well wait for those to reach final decisions before proceeding with the account closure. You'll need to stop writing checks and cancel any automatic deposits or payments for the account right away because it has been restricted from future use. If you have any questions, please call us at XXXX, XXXX XXXX XXXX ET, 7 days a week. '' I called the bank to see why this happened. I was sure it was a mistake. They said they made a banking decision and did not have to disclose to me the reason why they were closing all accounts. So I immediately had no access to any money. I could not use my debit card or go to the atm. They closed my accounts after banks had closed for the day as well so I could not go into a branch and retrieve any of my funds. I was without money and did not have the option to add an external account online either. I was shocked and confused as to why this would happen to me. What kind of activity is inconsistent with terms and conditions? I use my accounts to receive my paychecks, pay bills, and order food.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 or other personal consumer reports

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/2019, I set up an extended graduated repayment plan. They put me on an administrative forbearance while they calculated the new terms and got approval for the new repayment plan. I got the new repayment plan for {$540.00} a month beginning XX/XX/XXXX and increasing the payment every 2 years over 30 Years. I made the payments on time in XX/XX/XXXXand XX/XX/XXXX. I went in today to pay my XX/XX/XXXX payment and the payment was {$700.00}. I called and ask them to fix it. 

They told me that when they put me in the administrative forbearance, they capitalized the interest. Over {$40000.00} was added. They calculated the new payment plan without the capitalized interest. The payment automatically went up to {$700.00} a month after the interest capitalized. I never asked for the forbearance and dont think the capitalized interested should have been added since they put the loans into a forbearance so they could get approval for the new payment plan. 

Today when I talked to them, they said they would put in a request for the capitalized interest to be reversed, but it would take 7-10 days to get approved. My payment is due in 7 days. They wouldnt let me talk to a manager and said none were available. I was on hold for a while before a representative came on the phone and said she would put in a request, but she was not a manager and none were available. ( Her employee ID was XXXX ) They also said they could not reverse the {$700.00} payment that was due for XX/XX/XXXX, and put in another request for a forbearance since I can not afford the higher payment. 

It seems like an abusive practice to put a student loan in an administrative forbearance just to get approval for the new repayment plan, and then add so much interest that the payment plan they approved is no longer available. I cant afford the higher payment. 

My servicer is FedLoan.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate accounts on my credit profile which need to be deleted. I have contacted the bureau before but a negative account still remains.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and negligent reporting of information on my credit report. Under 15 U.S. Code 1681o, credit reporting agencies and furnishers of information are liable for negligence when they fail to comply with the Fair Credit Reporting Act ( FCRA ) and cause harm to consumers due to noncompliance.

The specific inaccuracies in my credit report are as follows : My name and information was leaked in a data breach with XXXX XXXX XXXX

I have already attempted to resolve this matter through [ previous disputes, communication with the furnisher, etc. ], but no corrective action has been taken. The failure to conduct a reasonable investigation and correct these errors constitutes negligence under the FCRA, making the responsible parties civilly liable for damages.

Pursuant to 15 U.S. Code 1681o, I am requesting the following actions : A full investigation into the disputed information.

Immediate removal or correction of the inaccurate data.

A written response detailing the results of the investigation.

Compensation for any damages incurred due to the negligent reporting.

Please consider this letter a formal notice of your failure to comply with the FCRA. If this issue is not resolved within the legally required timeframe, I may be compelled to pursue further legal action, including seeking monetary damages for your negligent actions. 

I expect your prompt response to this matter. Please provide written confirmation of your investigation and any changes made to my credit file within 30 days of receiving this letter. 

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

I have negative items being reported on my credit report. I have requested proper documentation according to the FCRA. Both XXXX and equifax are currently being sued for this exact issue. My credit report is not correct.
Product: Credit card

I am a PayPal Extras MasterCard ( Synchrony Bank ) cardholder. 

On XXXX XXXX, 2016, I made a payment of {$53.00} on my PayPal Extras MC account. 

On XXXX XXXX, 2016, a second payment of {$100.00}, *unauthorized by me*, was made to the account, being automatically debited from my checking account. This transaction caused an overdraft, incurring {$72.00} in overdraft fees and causing me a great deal of distress to sort the matter out. 

On XXXX XXXX, 2016, I called the PayPal EMC/Synchrony customer service department and explained the matter. The agent promised me that a refund of the {$100.00} unauthorized payment had been requested and would be processed and sent to me by check within 2-3 weeks. 

On XXXX XXXX, 2016, having not received said refund, I called the customer service department again. I was told that no refund had been requested. The agent supposedly ( I say that because, frankly, I have no way of knowing this was actually done ) put in a refund request during our call ( again ) and reassured me the refund would arrive by check within 2-3 weeks ( again ). 

Having been a PayPal Extras MasterCard cardholder for a number of years ( since before Synchrony Bank was involved ), I am profoundly disappointed. The current course of events is not acceptable. I am doing my utmost to make payments on this account, given my circumstances -- I am XXXX and can not work due to XXXX, and in possession of very limited funds -- and I feel I 'm being met by incompetence and indifference. 
This matter should have already been settled.
Product: Credit reporting or other personal consumer reports

To whom this may concern my name is XXXX XXXX XXXX, and I am writing this statement for myself. The accounts mentioned in this report should not be reporting on my accounts as they violate the federal credit reporting act according to 15 US code 1681-B- permissible purposes of Consumer Reports ( a ) in general subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) by the written instruction of the consumer to whom it relates. I've never given these consumer reporting agencies my written verbal instructions to report anything on my consumer report which violates my right as a federally protected consumer. No consent is also identity theft. As a federally protected consumer, I am demanding the deletion and removal of these listed accounts immediately. 

ADDITIONAL UNAUTHORIZED HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax security breach potentially exposed my credit information according to equifaxsecurity2017.com
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing a letter of dispute. I have included a copy of my driver 's license and social security card to validate my identity. In accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( hereinafter referred to as " FCRA '' ), your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. 
I am formally requesting verifiable proof of the original consumer contract with my personal signature on the record. 
I have listed the accounts below in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA, unverifiable accounts must be promptly removed. 
I formally demand the following negative account records to be verified and/or removed immediately. 
Must provide proof of all your verification of the debt Explain and show me how you calculated what they say I owe Provide me with copies of any papers that show I agreed to pay what they say I owe with the original contract and my signature Identify the original creditor Provide a verification or copy of any judgment ( if applicable ) Please provide proof of the debtor, that they are licensed in my state and provide me with their license numbers ( if applicable ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Account Number : XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Late Payment Inaccuracy XXXXXXXX XXXX  Account Dear CFPB, I am writing to formally dispute inaccurate information reported on my credit report regarding late payments for my XXXXXXXX XXXX account. The account details are as follows : Account Number : XXXX Account Type : Installment ( Auto Loan ) Account Status : Open Monthly Payment : {$260.00} Date Opened : XX/XX/XXXX Balance : {$6800.00} High Credit : {$7900.00} Last Reported : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year Payment History Discrepancy : Experian reports 30-day late payments for XX/XX/XXXX and XX/XX/XXXX, both of which are inaccurate. 
Despite my initial requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), Experian has failed to act, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Evidence of Errors and Violations FCRA Violations : Under 15 U.S.C. 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. The reporting of late payments without evidence is a clear violation. 
According to 15 U.S.C. 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. There is no record or evidence of such notification from XXXX XXXX. 
TILA Violations : The Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) emphasizes accurate and timely disclosures. The late payment inaccuracies harm my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements to avoid unfair penalties to consumers, which has not been upheld. 
Desired Resolution Immediate removal of the inaccurate late payment notations from my Experian credit report. 
Written confirmation of these corrections. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant agencies and pursuing legal action. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received a letter from XXXX XXXX, XXXX on XX/XX/18. This letter was for debt collection of {$750.00} from Paypal Inc. I do not owe Paypal any money. 

I called Paypal and verified that, I did not own them anything. The person I spoke with stated that they do not do business with XXXX XXXX. He told me to ignore the letter. 

I called XXXX XXXX and explained the situation. The representative told me that I owed the money, and suggested that my Paypal account had been hacked. I told him, I would file a criminal complaint on this issue, and he asked me if he could file the complaint. When he stared asking me personal questions, I told him, I would do the complaint myself. I had no idea who this person was. 

This morning I did a XXXX search on the company, and found that they have a long track record of collection fraud.
Product: Credit reporting or other personal consumer reports

I want to remove all errors from my credit report immediately, this is defamation of character. You are breaking the law. 15 U.S. Code 1681- Procedure in case of disputed accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the 3 credit bureaus ( Experian, XXXX, & XXXX ) for them to investigate 4 accounts that are reporting on my credit report that I have no knowledge of. I demanded, based on the Fair Credit Reporting Act, that they send me proof ( signed contracts ) that the accounts belong to me or remove the fraudulent accounts from my credit report in which they are required to do if they can not submit verifiable documents of each account.

Letter 1, 2, 3 & 4 was certified mailed to Experian, XXXX & XXXX respectively on XX/XX/2018 ( letters 1 ). 

XXXX : XX/XX/18, Experian : XX/XX/18, XXXX : XX/XX/18 ( letters 2 ). 

XXXX : XX/XX/18, XXXX : XX/XX/18 & Experian : XX/XX/18 ( letters 3 ). 

XXXX : XX/XX/18, XXXX XX/XX/18, Experian XX/XX/18 ( letters 4 ). 

The accounts that were requested by myself for XXXX, Experian, and XXXX to investigate are : XXXX XXXX XXXX, XXXX XXXX, XXXX Card, XXXX XXXX. 

Each time I sent a letter, their investigation came back as the accounts being verified as belonging to me without sending me a copy of verifiable proof of a consumer contract with my signature on it. Experian also sent me 2 out of their 4 response letters that they have sent letters previously regarding my dispute ( which was just them saying that they investigated and verified the accounts as mine without verifiable proof ) and that they will no longer investigate my accounts. The response letters they sent were dated as follow : Experian : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 All of which they claim to have verified the accounts as belonging to me without sending a consumer contract with my signatures.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report says last update of discharge on my bankruptcy is on XX/XX/XXXX But the discharge date was XX/XX/XXXX