23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Complaint to the Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX : Complaint Against Transworld Systems Inc. XXXX XXXX XXXX XXXX, DE XXXX for Unlawful Debt Collection Practices Dear CFPB, I am filing this complaint against Complaint Against Transworld Systems Inc. XXXX XXXX XXXX XXXX, DE XXXX ( Account Number : Reference / My Account XXXX XXXX ) for engaging in unlawful debt collection practices in violation of federal and state laws. The Collection was initiated by XXXX XXXX employee at XXXX XXXX XXXX XXXX XXXX XXXXXXXX managed by XXXX XXXX XXXX. 

Background : Unlawful Detainer Case : An unlawful detainer case ( XXXX XXXX. XXXX ) was filed against me by XXXX XXXX XXXX in XXXX, California. The case was dismissed without adjudication, and no eviction judgment was entered. 
XXXX XXXX : I vacated the property on XX/XX/XXXX, following a signed XXXX notice, in compliance with all legal and lease requirements. 

Collection Agency Actions : Invalid Debt Collection : [ Collection Agency Name ] has contacted me, attempting to collect legal fees and charges related to the dismissed unlawful detainer case. 
Lack of Validation : Despite my request for validation of the debt, the collection agency has failed to provide any documentation substantiating the debt or their authority to collect it. 

Violations : FDCPA Violations : [ Collection Agency Name ] has violated the Fair Debt Collection Practices Act ( FDCPA ) by : Attempting to collect a debt without proper validation ( 15 U.S.C. 1692g ( b ) ).

Engaging in deceptive practices by implying I owe a debt that lacks legal basis ( 15 U.S.C. 1692e ). 
FCRA Violations : If [ Collection Agency Name ] has reported this unvalidated debt to credit bureaus, they may be in violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ) for reporting inaccurate information. 

Requested Action : I urge the CFPB to investigate [ XXXX XXXX XXXX ] XXXX practices and take appropriate enforcement action to ensure compliance with federal debt collection laws. Additionally, I request assistance in having this unvalidated debt removed from my records and cessation of all collection activities related to it. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Consumer Loan

I had bought a used car from a dealer that arranged finance through " Santander Consumer USA ''. I received my first payment invoice in the mail XXXX day prior to the due date. Upon calling their service number to arrange a payment I was informed that there was a fee nearly of XXXX dollars either by phone or internet. The next month 's statement arrived in a timely manner. The third, ( this month XXXX ) arrived on a Thursday with a due date of Monday.
Product: Money transfer, virtual currency, or money service

Beginning on XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of USD XXXX from my U.S. Bank account to fraudulent investment firm ( XXXX ).
Product: Credit reporting or other personal consumer reports

The following accounts are fraudulent please remove from credit report. 

XXXX ) XXXX XXXX XXXX Account # XXXX Amount {$660.00} XXXX ) XXXX XXXX XXXX XXXX Amount {$2700.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, XXXX XXXX reported a 30-day late Account XXXX XX/XX/2019- Comenity/XXXX  XXXX XXXX reported a 30-day late Account XXXX My Bank XXXX incorrectly returned payments and has sent a letter acknowledging there error. Spoke to both creditors and approved the bank mistake and will not update the error. I have sent this documentation to all three bureaus XXXX, XXXX, XXXX.
Product: Vehicle loan or lease

The mailed statement had the account information on the left side of the page and a misleading statement " Your Payment Is Past Due '' on the right side of the statement. I called them and they said that was just an add. That's very misleading and has likely caused other customers to make additional payments ahead of the regular scheduled payment. This is for a KiaFinance loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is Credit Karma. I have had an account for several years. On Thursday, XX/XX/XXXX I tried to log onto my account and couldn't. I tried to recover my password with my email, and it said I didn't have an account. I inquired which email I used by entering my social security number and birth date. The email that came up as associated with that is fraudulent. On Saturday, XX/XX/2021, I was able to send a message to Credit Karma ( as a guest - I am unable to log onto my account ) declaring the fraud.They ( or a computer ) responded assigning a case number, but I have yet to hear back from them ( though I have reached out 3 more times.All of my sensitive personal and financial information is in the hands of an identity thief, and I am unable to log into the account to address the problem ( i.e. cancel the account ). I am wondering if anyone at Credit Karma actually sees these requests. It seems they do not care about fraud or identity theft!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as Hartz v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX A XXXX XXXX
Product: Credit reporting or other personal consumer reports

Trafficking victim 's letter to consumer reporting agency XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report is a result of trafficking AUTO LOANS XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CREDIT CARDS Credit XXXX Bank XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Credit First XXXX XXXX INQUIRES XXXX XXXX XX/XX/XXXX Capital XXXX VIA Dealer XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Capital XXXX VIA Dealer XX/XX/XXXX Capital XXXX VIA Dealer XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX Card Services XX/XX/XXXX Please block this information from my transunion credit report within four days, pursuant to section 605C of the fair credit reporting Act Please send me a notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures ; proof of identity State issued ID Trafficking Documentation A self-attestation letter that you are a victim signed or certified by a representative from a government entity, court, or authorize non governmental organization or human trafficking task force.
Product: Debt collection

There is a remark list through Skopos Financial which I have tried to request validation and received nothing. The social on the account doesn't even match mine. I have disputed with XXXX  and XXXX with no outcome. How are these agencies verifying inaccurate information?
Product: Checking or savings account

to File a complaint against TD Bank ( online ) Opened an online checking account, ( account # XXXX ) ; recieved checks debit card etc. 
while setting up an online transfer from an account at XXXX XXXX Bank ( jointly owned with spouse ) to TD bank, the process did not work and TD locked my account. ( I did verify the XXXX XXXX XXXX thr ' instant verification as well as thr ' XXXX deposit amounts. ) I called TD bank several times and went through their security questions, passing each time, but was not able to get them unlock the account. They insist that I visit a local TD bank and verify my ID and XXXX XXXX XXXX details. 
It is not convenient for me to visit TD bank and the reason to open an online account is " NOT HAVING TO GO TO BANK BRANCH '' TD bank refuses to come up with an alternative to unlock the account. This is not acceptable and they are causing lot of inconvenience to me. 

Appreciate your help.
Product: Mortgage

In XXXX I purchased a mobile home with the understanding my payments would be around {$700.00}. When I went to closing after they had delivered, set up with XXXX and included my land, my payments had jumped to {$910.00}. We told them at the closing that we could n't afford these payments, but were told the house ca n't be moved, so we had no choice but to sign the paperwork. After trying to work with the several companies that bought our mortgage we gave up. Our home is now XXXX days late and they still will not work with us. Our outstanding payments with late fees are almost XXXX and the home was just appraised at XXXX. We do n't want to loose our home, but what can we do?
Product: Credit card

I rented a car using my USAA credit card, which provides car rental insurance. On XX/XX/XXXX I had an accident and the rental company charged me {$640.00} for the damage. I filed a claim for the damage on XX/XX/XXXX. I have submitted the full rental contract, picture proof of the damage, and proof I was charged the damage amount on that USAA credit card to XXXX XXXX XXXX XXXX, which USAA uses to process these claims. Throughout the process, they have delayed and asked for the same documents again. It is now XX/XX/XXXX and I still have not been paid. 

I emailed XXXX on XX/XX/XXXX, to let them know I would soon be filing a complaint with CFPB. They responded 2 days later ( everything else was taking much longer for a response ) to ask me to call them 'to ensure accuracy ' and I replied that I wanted to keep everything in writing ( I recently had a bad experience with a phone representative from XXXX that did not follow through with everything said on the phone ) and they let me know that my 'claim has been noted with the information provided ' but still have not paid out the claim.
Product: Bank account or service

A bank account was opened in my name over 10 years ago at Bank of America. Also, I had an XXXX and XXXX account. I 've become a victim of identity theft to the extreme ; whereas, I 'm being stalked by individuals I do n't even know for my card XXXX pin number. Why? My best assumption is that maybe they are duplicating cards, not sure. Identity theft in XXXX has become very stressful and a health matter as well. I am writing to protect and secure my funds in account which, at this point, I am afraid to put money into accounts when XXXX, XXXX, XXXX XXXX College faculty members, or others can go into my account when they have relatives or friends working in financial corporation to hinder hard working XXXX Americans from becoming financially stable.
Product: Credit card or prepaid card

Way in XXXX edd load my account with XXXX in its XXXX they playing too many games with my card because I can login to my account. Everytime I call they lieing saying stuff about my account. I want my account talking about they just going with the game. What game its my money and My account. In I'm not playing about my stuff. Im not with the games I'm XXXX person In don't need no body talking about my account it my money. now talking about me thats different but about my account its mines. In i need the card to my account. So I can go on with my day. Everyday I'm calling and emailing yall about my card. Remember It's my account and I'm not with the games.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$470.00} Account Name : XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$10000.00} Account Name : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} Account Name XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$410.00} Account Name : XXXX  # XXXX XX/XX/XXXX - Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : Account Name : XXXX XXXX XXXX  Date Listed : XX/XX/2020 The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXX v. XXXX XXXX XXXX, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt. 

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible.

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event.

Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act. 

Attached, you will find [ list of supporting documents ]. Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX and XXXX  XXXX.
Product: Money transfer, virtual currency, or money service

Attempted to purchase a stroller on XXXX  and seller said payment could not be processed through the app. Requested Zelle payment. Zelle payment attempted however XXXX XXXX XXXX blocked the zelle payment and then locked all my chase accounts. 
I called XXXX XXXX XXXX to find out why my account had been locked. They stated that the seller 's zelle had been marked for fraudulent activity. They asked if I would like the zelle payment to go through. I told them NO and to cancel the zelle payment. The agent stated the zelle payment was cancelled and would re-activate my account! 
Once my account was reactivated, I looked at my account summary. In my account summary the unauthorized charge had gone through The charge amount {$400.00} Date : XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt originally from XXXX XXXX was placed on my credit reports. It was originally placed with XXXX company and then disputed with the bureaus and ultimately unverified and the removed. It has now been placed with Afni in attempt to collect this debt that does not belong to me. This account has been placed on my consumer reports again under a different collection agency, Afni.
Product: Checking or savings account

Well chime contact me said that they notice suspicious activity on my account. I reach out to them regarding the matter. Chime said they will be putting my account on hold until further investigation on my account. this may take some time to get back with on the matter. Now chime close account kept my money I had in the account. I reach out again to chime to see why they closed my account without giving me my money back. Chime said I need to send in documentation to prove my identity in order to reopen my account so I can receive my money! I sent in all the documents chime requested me to send in. Chime said to me at this time we decided to close your account do to suspicious activity they I dont comment on my account. Basically a person hacked my account changed my personal information like my phone number and email address associated with my account they changed my information without my permission and I told chime it was not making these changes to my account. This all happened XXXX and chime said it my fault I got hacked and since they did get in my account and change my information they said I will not be eligible for a refund and will not be able to reopen the account back
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed a bankruptcy on my credit, on XXXX Equifax replied that this information was reporting accurate and verified thru XXXX. HOWEVER I SUPPLIED PROOF FROM XXXX THAT THIS BANKRUPTCY WAS DELETED AS UNVERIFIED. I have attached proof that Equifax violated : 15 U.S.C. 1681i procedure in case of disputed accuracy. ( I have attached proof of their violations. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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. PLEASE SEE ATTACHMENT IN SUPPORT THEREOF.
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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 card

There are several charges on my AMEX account totaling {$4300.00} from some company called XXXX. AMEX has confirmed that the merchant can not identify my name, email, company name, or mailing address. In fact, AMEX admits that the merchant only has a publicly listed po box . That hardly confirms that I ever gave my card number to the merchant. I have repeatedly asked AMEX to remove these charges. When I called AMEX to dispute the charge, AMEX discriminated against me. I have called XXXX XXXX, the General Counsel for AMEX and have not yet heard back from her. This has nothing to do with the improper charge on my AMEX account.