23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was fighting a bill with XXXX XXXX XXXX in XXXX, NJ back inXX/XX/2017 Before the complaint was resolved, they sent my bill to collections, XXXX , XXXX After some time, I started making payments, online, to XXXX. Unknown to me, this debt was suddenly transferred, without notice, to a company called Transworld Services Inc. 

After speaking with them numerous times, they will not allow me to make payments online. They online system also does not keep track of payments made, and the only notice you get is when the debt is paid in full. So there is no way to trace the payments I made to them. I am also not comfortable giving out my information over the phone to a company I know nothing about. They have over 70 complains on XXXX XXXX as seen below : XXXX XXXX XXXX  I also refuse to have them keep my credit card on file. So there is no way to make a payment to these people and have any paper trail of the payments being made. They also lack a technical support dept. to try and find out why payments can not be made online as I was able to do this through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are reporting these addresses on my credit reports but they dont belong to me.I reached out to each credit agency, XXXX, XXXX and experian to have them removed but they are still showing. 


XXXX XXXX XXXX XXXX, MD XXXX Address XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX, MD XXXX-XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several written requests, the ITEMS stated below continue to appear on my credit report, in violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the period specified by law, they failed to adequately investigate the situation by using a third party as their verification provider, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I need this situation resolved soon. Please delete the following elements from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$4400.00} ; XXXX XXXX XXXXXX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.
Product: Credit reporting

Experian has listed on my credit report a debt that was abolished by XXXX XXXX in XX/XX/XXXX. This was a joint account as I co-signed for a coworker to purchase a used car. XXXX XXXX agreed to relieve me of all financial obligation, garnishments, and prompt deletion of credit entries in exchange for a one-time payment of {$3000.00}. The payment was immediately rendered and the stipulations were signed by a judge of the XXXX County District Court that same month. Experian keeps verifying the debt as valid because XXXX XXXX is supplying fictitious information because collection efforts remain in effect for second party on account. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. 
Equifax also has an account listed by XXXX Collections in the amount of {$81.00}. This account was paid directly to XXXX several months ago. I was never contacted by XXXX by any means. The representative that I spoke with said the account would be deleted but she could not send in writing. She referred me to a website to print a paid letter. I have proof that I paid XXXX directly. 
Equifax is also listing the erroneous account by XXXX XXXX as past due in the amount of {$1500.00}. Equifax also has several collection accounts that have been paid and I have provided written proof supplied by the collection agency for medical bills. The companies are XXXX XXXX XXXX XXXX XXXX and XXXX collections. The collection companies agreed to delete the entries electronically but they remain on my credit file. 
Additionally, XXXX XXXX XXXX has an open claim with XXXX XXXX for damages on a vehicle that I rented in South Dakota from XXXX thru XXXX while on of several travel contracts for work at XXXX XXXX XXXX. I was never notified and allowed to investigate the validity of the debt. When I realized it on my credit report, I called XXXX XXXX and spoke with XXXX XXXX who agreed to delete the entry if I paid her because she did not believe the XXXX would pay the " extra fees ''. The was minor under baggage damage that was not visible to me when the vehicle was returned. I was made aware of the collection efforts when I checked my credit earlier this year. This account appears on my Experian credit report and was verified as valid. I never received notice of the debt. I was never allowed to investigate the validity of the alleged debt. 
Lastly, XXXX XXXX XXXX was paid {$720.00} in XX/XX/XXXX in an effort to have them remove a collection from my Transunion and Experian credit reports. Despite me never contracting with company I paid them because XXXX refused to collect the monies owed to them. I now have a delinquent XXXX entry and a XXXX XXXX collection account for the same debt. I have made several calls to request deletion of improper entry to my credit report but was told it is not their policy to delete especially since I had already paid. I never received notices. The item just appeared on my credit report. I was never allowed to validate the debt.
Product: Credit card

XXXX, XX/XX/XXXX To whom it may concern, Despite the US Post office showing a package being delivered, the gift sent to my friend on XX/XX/XXXX never arrived. The local mailman never brought it to her house and when the recipient went to her local post office to inquire about it with the tracking number issued by the US Post office she was made aware that the package had been received opened and damaged from the US Post office and that she could not retrieve it unless she paid {$42.00} of custom fees. 
It obviously did not make sense to pay for a package that had been opened and damaged and she requested the package to be returned to me. 
As of today XX/XX/XXXX the package was never delivered to its recipient nor returned to me, the sender. 
I paid {$26.00} with the Capital One credit card ending in XXXX and left this package under the responsibility of the US Post office to be delivered, not to be opened and probably eaten.

IMPORTANT : THE TRACKING WEBSITE WAS UPDATED TO SHOW THE PACKAGE AS " DELIVERED '' BUT THIS IS INACCURATE.

I asked the US Post office to refund me for the {$26.00} that this has cost me but they refused and are hiding under the entitled excuse that all sales are final which is neither legitimate nor valid as I was not informed of such a disposition upon shipping the package. The US Post office must be held accountable for their mediocre services. I have made a claim to be refunded but they closed it a few hours later under the excuse that the package had been delivered which is untrue as stated above.

A few weeks ago I disputed the {$26.00} transaction with Capital One but they unfairly sided with the Post Office. I have been a customer of the bank since XXXX and today I am in the challeging situation where I am fighting vs two big organisations as a anonymous individual who has no power to be refunded for a service paid that was never rendered. Please refund my card for {$26.00} and do not side with this incompetent and careless organization. 
If this matter is not promptly resolved and in my favor, I will have no other choices but to file a complaint with the XXXX XXXX XXXX and will proceed until I get refunded. Thank you in advance for your time and consideration. 


XXXX XXXX
Product: Checking or savings account

I was charged {$140.00} from a vendor named XXXX. However, I never authorized that transaction. I called Chase to refund the amount and they have since refused.
Product: Debt collection

Dear RESURGENT/LVNV FUNDING 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: Debt collection

In submitted a written request for debt validation, on XX/XX/XXXX, to NCB Management Services. This letter was sent certified mail and was delivered and signed for, on XX/XX/XXXX. Under Texas Finance Code Section 392.202, NCB was to provide information that this debt was owed by me, how they calculated the amount owed, and that they were licensed to collect debt, in the state of Texas. According to that statute, if the debt was not validated within 30 days, NCB must cease all collection efforts and send notices to me and all credit reporting agencies that this account should be removed. I waited almost 45 days, without one word of response from the collection agency. On XX/XX/XXXX, I sent another certified letter, which was delivered, as of XX/XX/XXXX. Yesterday, I received a letter from NCB Management Services that I did not provide sufficient information, for their investigation. If memory serves me correctly, I requested for them to validate the debt that they claim is mine. I was asking them for information, which they did not provide. I sent copies of the original letter and the certified receipt, which they did not speak to or address. How can they get away with not doing their jobs? This place is putting stuff on my report that they ca n't even prove is mine. It 's not fair. I 'm trying to follow the proper channels, but this is frustrating.
Product: Credit reporting or other personal consumer reports

I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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
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 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 a personal credit card account opened at XXXX on XX/XX/XXXX in the amount of {$760.00}, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$920.00}, a credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$1600.00}, a credit card account opened at XXXX on XX/XX/XXXX in the amount of {$870.00}. 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 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: Credit card or prepaid card

I have my checking account debt card, capital XXXX credit cards, XXXX express credit card and citibank credit cards linked to my XXXX Account. I also have the XXXX XXXX XXXX credit account that was established at the beginning of XXXX. I have never activated the credit card associated with my XXXX XXXX XXXX. 

While on vacation out of town XXXX XXXX, XXXX I contacted XXXX because I need to use the credit that was available on my Smart Connect account do to my purse being stolen while I was on vacation that had my Capital XXXX and XXXX XXXX cards in it along with other personal items. 

I asked if they could either send the available credit from my XXXX XXXX account to my XXXX account or something because I had no money and only a XXXX XXXX card. The representative stated all she could do is issue me the XXXX XXXX credit card that would be sent to my house. 

When I went to my XXXX account online to make my Smart Connect payment in XXXX XXXX as I have done since its inception ) the screen showed I had no payment due. I began getting calls from XXXX smart connect stating the account was past due. I spoke to them and explained that the account online showed no payment do. And they should remove any late fee 's because of that and need to adjustment my minimum payment to what it had been for years. Considering they were saying it was twice than what it should be due to their technical difficulty. 

They explained to me that the representative on XXXX XXXX, XXXX reissued a new XXXX XXXX account number and that it was n't associated with the original one that was included in my XXXX account. They have yet to provide me with the new account number, they have n't since me a statement with this balance information detailed and each time I request it the representative hangs up on. As they did today.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act XXXX XXXX XXXX XXXX, has violating my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A, section 2 : it also states consumer reporting agency can not furnished a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thursday XXXX XXXX I logged on the XXXX website to see If my personal data had been involved in the hacker security breach. Clicking the " Check Potential Impact '' button automatically enrolled me in TrustedID XXXX. I was not given any option to decline this service and I did not agree to this. I do not want this service.
Product: Credit reporting

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. In XXXX 2016, the credit bureaus removed the inaccurate information via CFPB and in less than 20 business entered the public record therefore holding my identity and credit under " Consumer Lock '' for 10 years. My initial dispute stated that the Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Credit card or prepaid card

I got XXXX  on XXXX of 2020 ever since then I have been since so my health has taken a toll with my work. I have been trying to pay off my card for the last few years and it seems that the only payment that is made is towards capital one XXXX  fees and interest I have paid a lot of money in my opinion and they have made mistakes in the past as well I had to pay extra on a bill bc of another XXXX charge I didnt do. They just argued with me and told me I had to pay it anyway. Then the card is suppose to help with the credit score nope I havent gotten a good score since I have had the card. And so they sent my bill to my old address which isnt even on there end, so I didnt know they closed my account when I was gon na make a payment, and I looked on my credit report it shows they put derogatory on my status now. I am so mad the interest rates are ridiculous. I have to get XXXX  now and other stuff due to my health the interest rates is what is hurting me to pay off my debt. Sometimes its what I can afford and in my personal opinion credit card companies do not need to see my personal medical reports to verify that I am sick. I have disputed that remark they placed on my report and it got denied. So what else can I do when I cant even go back to finish trying to pay off my card. There just making it hard and now with everything including rent mortgage bills food gas all of that high why is the interest rate high for a card to rebuild ur credit and it hasnt they failed on there end in my opinion. I havent seen no improvements on my credit even when my bills where up to date.
Product: Mortgage

Wells Fargo charged me for an insurance policy that never existed for 8 years. They would not admit this but they then returned my premiums when I discovered the mistake. They said " We are not at fault but we will return your premiums. The case was then re-opened by XXXX XXXX of Wells Fargo at her request. Once the case was re-opened the Insurance company provided 100 % proof that I never had a insurance policy. I requested that Wells Fargo forgive the remaining balance of the loan which is approx 42K. They are refusing and saying the case was closed. However recorded calls and letters in writing from them show that they decided to reopen the case on their own. New evidence was found once they re-opened the case that proves unfair business practices. Also Wells Fargo in writing has said they will not preserve and secure the recorded calls between myself and Wells Fargo. They have a legal obligation to preserve and secure all recorded conversations. The 2nd issue is on a recorded line one of their Employee 's XXXX XXXX questioned my Marital status, asked where was my wife and why have we not spoken with her. He also made accusations against me and his business practices and line of questioning was totally unacceptable and illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX These Addresses have been disputed, With Equifax but they are continuing to to show this information on my credit XXXX, XX/XX/2021 both time they have provided me with the results as deleted but still is showing address that do not associate with me i demand these address be permanently taken off my Equifax report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX have 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.
Product: Bank account or service

I would like to dispute XXXX and have the incident removed from my record. The transaction was authorized and done legit. The transaction in question was credit card related. I applied for a XXXX XXXX XXXX XXXX XXXX. Upon receiving my card I was given an offer to transfer any balances to my new account via balance transfer check. 

I took the check to my local XXXX XXXX on XXXX/XXXX/15 and asked how to proceed. The teller told me to deposit the check to my XXXX Checking account # XXXX and from their I can pay off anything via ACH electronically. The teller attempted to deposit the check to my checking account but before she could proceed her system indicated that she need to call the credit department and get authorization for the check. The teller successfully received approval and authorization to proceed in which she deposit said funds into my account ending XXXX. 

On XXXX/XXXX/15, I received notice that once the back office reviewed the transaction they decided to un approve it after originally approving the initial transaction and removed said funds from my account. Nothing was done wrong or invalid on my part. The transaction in question is fully documented and compass has the prove via authorization number in their system that this in deed was n't fraud and that the transaction was legit and handled in a XXXX XXXX. 

I respect XXXX decision to not approve the balance transfer after the fact but to accuse someone of fraud or misuse of the account when the transaction in question was legit is " Defamation of my Character ''. I ask that this matter is resolved immediately and removed from my record.