23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX Transworld Systems inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Violation of Rights and Request for Compliance with Federal Regulations To Whom It May Concern, I am writing to express my deep concern about the collection practices of transworld systeminc, which I believe are in violation of my rights under federal regulations. Specifically, I have identified several instances where XXXX XXXX XXXX has failed to comply with the following regulations : 1. 12 CFR 1006.34 ( d ) : This regulation mandates that debt XXXX must provide accurate and verifiable information in their communications. Despite my repeated requests for validation of the alleged debts, transworld system inc has failed to provide sufficient evidence to verify the validity of the debts being claimed, thereby violating this regulation. 

XXXX. 12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to be licensed and bonded. However, I have not been provided with any evidence that transworld system inc is compliant with this requirement, raising concerns about the legality of their collection activities. 

3. 15 USC s27a : This provision of the Fair Credit Reporting Act imposes obligations on debt collectors to provide accurate and up-to-date information regarding debts. I have reason to believe that transworld system inc has not been transparent in their reporting of the alleged debts, leading to further concerns about the accuracy of their claims. 

4. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation stipulates that debt collectors must adhere to certain standards when communicating with debtors. Despite my requests for validation and proper documentation, transworld system inc has engaged in aggressive and harassing communication tactics, which is a clear violation of this regulation. 

I demand that transworld system inc immediately cease all collection activities until they can provide valid verification of the debts and PURCHASE AGREEMENT between them and original creditor regarding account XXXX XXXX XXXX XXXXXXXX open date XXXX in question and demonstrate compliance with the aforementioned federal regulations. Failure to do so will result in further action to protect my rights under the law. 

I expect a prompt response from transworld system inc addressing these concerns and providing the necessary information to ensure compliance with federal regulations. Thank you for your attention to this matter.
Product: Debt collection

I already sent a creditor letter and debt validation letter for the account listed under my name which is giving a bad impact on my credit report. I disputed it for lack of accuracy for the item added to my account. The account was last updated in the sum of {$540.00} on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that an auto lease account that was opened by my brother/sibling, under his name, on XX/XX/XXXX is still being reported on my credit report. The account that is fraudulently being reported under my name is the auto loan/lease from XXXX XXXX XXXX. This account belongs to my brother/sibling, XXXX XXXX. I did not cosign this auto lease. I was simply used as a reference by my brother/sibling. It is NOT a joint account. XXXX XXXX XXXX fraudulently opened the account under my name. According to my brother/sibling, XXXX XXXX, the auto lease is incorrectly being reported as a joint account and should be reported as my brother/sibling ( XXXX XXXX ) being the only individual responsible for this account. 
I contacted XXXX XXXX XXXX and asked them to remove the account from my credit profile. According to XXXX XXXX XXXX, they can not see the account being reported under my name and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into the fraudulent XXXX XXXX XXXX account. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the account. ( Do not send me anything via US mail. ) If you find the account referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this account was not FRAUDULENT being reported and that it belongs to me, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT account reporting. 
Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

I opened an account at XXXX XXXX in XXXX my cheking account is on hold and I can not use it due to the fact that XXXX XXXX has a Bank of America fraud charge on my record. I have never committed fraud. I called Bank of America and asked the fraud dept why I had this charge for {$610.00} on my closed account on XX/XX/2020, especially since they were the ones that closed my account for reasons unspecified. I told the CS agent that i never got checks issued and after you closed my account I had to wait an additional 5 days to withdraw my balance from the closed account. no single rep in the fraud dept or the other 3 depts that i kept getting switched to could find this charge. 3 hours later I finally get the manager from the fraud Dept, XXXX. He verified that there is no record of this charge and needed to be removed. he instructed me to file a complaint with XXXX XXXX to get it handled. I DID THAT. IT IS STILL ON MY RECORD. I need this fraudulent accusation to be removed immediately. unacceptable on Bank of America part!! I will warn people to stand clear of this bank.. please remove this!!
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX  XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX ; XXXXXXXXXXXX  XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Concora Credit ( Destiny Mastercard ) Unfair Practices Regarding Returned Payment, Failure to Communicate, and Refusal to Address Late Payment Dear Federal Trade Commission, I am writing to file a formal complaint against Concora Credit, the issuer of my Destiny Mastercard, for unfair practices, inadequate communication, and a refusal to address a late payment stemming from extenuating circumstances. These actions have significantly damaged my credit standing. 

On XX/XX/2023, I was involved in a severe car accident that resulted in significant spine injuries requiring extensive hospitalization and treatment. You will find attached copies of my medical records to document this. During my hospitalization, a payment on my Destiny Mastercard was returned. I have a longstanding history of on-time payments with this account and had never missed a payment prior to this incident.

Concora Credit failed to take any reasonable steps to notify me of any returned payment. I only became aware of the issue after the payment was more than 30 days past due. Upon discovery, I immediately contacted Concora Credit and provided comprehensive medical documentation to explain the circumstances.

Despite being made aware of my medical situation, Concora Credit has refused to remove the negative late payment reporting from my credit history. This has had a detrimental effect on my financial wellbeing.

I believe Concora Credit engaged in unfair practices by : Failing to Exercise Due Diligence : Not making any effort to contact me regarding any payment, despite my previously consistent payment history.

Disregarding Hardship : Lacking any process to meaningfully address extenuating circumstances like severe medical emergencies, leading to immediate negative credit reporting.

Insufficient Resolution : Refusing to rectify the late payment reporting even after acknowledging the extenuating circumstances.

I request that the Federal Trade Commission investigate this matter and compel Concora Credit to remove the negative remarks associated with this incident from my credit report. Their actions have caused undue stress and financial hardship during an already challenging time.

Thank you for your attention to this matter. 

Sincerely,
Product: Checking or savings account

I have a checking and savings account with Chase Bank. On XX/XX/2023. I notice fictitious actions which was money moved around in my checking account. That I did not do. I immediately transferred the money I had to my sons account which we share. I went into the bank and withdrew the monies out of the accounts. 
After doing so I called Chase Bank to stop action on my ATM card. As I was speaking with them they ask me did I file any clams. 3 were with my XXXX XXXX XXXX payments and 1 was my car payment. I said no. So they reversed the claims back into my account. When speaking with XXXX XXXX XXXX they said that when they went to retrieve the payment back into the account it was declined. I called Chase back to discuss this and, they said, that when I went into the bank to get my money that I had taken the money that they put back into my account for the claim. I explained. That I took my money out of my checking account before I even contacted them and, canceled the claims that some one else had made. I was speaking to a supervisor at the time. I had been going back and forth and back and forth and they kept insisting that I took the money. I explained that whoever made the clams took that money. It was not me. Not only did someone steel from me my own bank stole from me as well. When I needed their help and they instead kept accusing me. Ive been with Chase for over XXXX yrs. The amount that lost was {$1100.00}. I have been going through a lot of pain and suffering behind them not believing me. Because of this my XXXX XXXX XXXX  bill was thrown into a 15 day notice. I cant ever use my debit card to pay my XXXX XXXX XXXX bill again nor my car payment. I have to find payment centers.
Product: Debt collection

XXXX XXXX sold an collection account to XXXX XXXX with out proper legal documentation. XXXX XXXX   bought this account from XXXX XXXX XXXX and has no original records or proof of this account. 

These two companies have denied me the right to a copy of a signed contract or any proof of who opened this account. Both companies have denied me copies of all accounting of payments and copies of all statements showing on how amount due was calculated. I have sent a notice in XX/XX/XXXX first requesting these documents from both XXXX XXXX and XXXX XXXX and have been denied these documents required by law. It is not XX/XX/XXXX and I have yet to received these documents from either company. They both keep blaming each other and NOT having or providing these documents to me. 

XXXX XXXX does not even have a contact phone number on their correspondences they are mailing and sending to the Consumer Financial Protection Bureau how is this a responsible upstanding company? They sold this account fraudulently to XXXX XXXX with out due process, research and documentation. 

The reference numbers below show and prove that I have requested this from XXXX previously and they did not provide the documents requested according to FDCPA laws and guidelines XX/XX/XXXX XXXX XXXX XXXX Account Ending In XXXX Ref No. : XXXX XX/XX/XXXX XXXX XXXX XXXX Account Ending In XXXX Ref No. : XXXX Ref No. : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$11000.00}
Product: Checking or savings account

Hello, I have a CD Account with Citi Bank. My account number is XXXX. 

My CD account is matured on XXXX XX/XX/2023. I called XXXX weeks before to maturity date and told CITI person on call that I would opt to withdraw my balance once this CD gets matured. 

When I checked today then I dont see my request in CITI system and still it says I have 7 days of grace period to make selection and it says I can make selection Online too. 

I tried to make my selection on their online portal but it only allows to renew it no option select withdraw. 

So I thought of calling their customer care again and then my horrible experience starts. Call went to a lady In their Call center which is in XXXX and I was barely able to hear her and after XXXX min she finally transferred to another guy whose name was XXXX, thats what he told me. 

This guy was extremely rude and arrogant with me. He never tried to help and instead he tried to just argue. I asked can you transfer call to someone else or your superior but he didn't and just went silent and when i asked again he just hanged up. 

This is extremely poor and rude behavior which i never expected from CITI. You will loose business CITI. I actually thought of opening a Saving account and transfer this fund to saving account but now I'll never go with CITI. 

You need to look into this complain and make some disciplinary action against this guy. 

I called on XXXX XXXX XXXX XXXX XXXX time, my cell phone number is XXXX. Please check your records and look into this. 

On top of that I dont know how to get my money back from CIti XXXX
Product: Debt collection

I recently discovered that an account from Monterey Financial Services LLC has been opened in my name without my knowledge or permission. The total amount of debt according to my consumer credit report is {$2200.00}. My information was breached in the XXXX breach as well as others. I have been a victim of Identity Theft since 2017. Any information sent to the credit bureaus, Monterery Financial or any other third party company related to this debt was made without my knowledge or permission. I have filed a FTC report regarding this Identity Theft and have contacted the creditor directly. Information was and security was breached on my personal and business bank accounts, address, phone numbers and other personal information. This is my official statement for Monterey Financial to Cease and Desist any action against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I review a current copy of my credit report and I show inaccurate information listed. I also dispute account and I have not received any respond back per the FCRA law. On my credit report I show a called charge off to on my report that is listing a balance. I requested to have this account verified and I have not received any information. This creditor and/or collection XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) is showing on my credit report as a charge off with a Balance of {$620.00} which is a direct violation per FCRA and FDCPA. Any charge off accounts once report a balance of {$0.00}. this is not the case and I requested verification and received none.
Product: Credit card

On XX/XX/year>, Barclays Bank approved my application for the XXXX XXXX XXXX XXXX XXXX, which I have used responsibly and consistently paid on time. I also maintain another Barclays credit card account in good standing, with a flawless payment history. However, despite this, Barclays recently and unexpectedly blocked my access to both accounts, preventing any further use.

They are now requesting identity verification documents, such as a U.S. passport or a valid drivers license. Unfortunately, I am only able to provide my XXXXXXXX XXXX, which includes a XXXXXXXX XXXX along with my Social Security card. As I am unable to meet their specified requirements, I am considering closing both accounts to avoid the annual fee. 
However, Barclays is refusing to close my accounts without the requested documentation, implying that I will continue to incur the annual fee despite being unable to use the cards. This practice is completely unreasonable.The company has never taken into consideration the situations a XXXX XXXX XXXX XXXXXXXX might face and remains inflexible with its policies. This is not the level of service one would expect from an international financial institution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/XXXX XXXX Capital One XXXX XXXX XXXX Capital One XXXX XXXX, VA XXXX United States XX/XX/XXXX XXXX : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

( the missed payments are inaccurate ).

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).

Sincerely,
Product: Checking or savings account

My personal account is blocked from XX/XX/2022. The reason was that I'm not the owner of a phone number I'm using for banking. I called the bank and also went personally to the branch. They told me that they can't unblock my account until I receive from them a special code that is sent via traditional mail. I've been asked to wait 7-10 days to get it, but also they told me that they already sent this letter to me, so I should get it very soon. But after two weeks I still haven't received it. Now they are asking me to wait longer but I don't know for what? I have bills to pay and I have to use my savings that I have on polish bank account, so they produce me more costs for changing currency, and the only thing they can say to me is to wait more, but no one knows for how long it would be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the disputed account. The information regarding the account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, date of last payment, date of first delinquency and date closed being reported. 
I had requested that the disputed account account be verified and I have not seen any proof from the Bureaus it was. I have not received any documentation on this account to verify that this is mine.
Product: Money transfer, virtual currency, or money service

A client paid me {$3700.00} for consulting services via PayPal. PayPal charged a service fee of {$100.00}. PayPal believes that my transaction violates their Acceptable Use Agreement but will not provide any detail as to what that violation specifically is. They are holding the {$3600.00} for 180 days without any just cause and refuse to communicate on the matter. During this time PayPal will be earning interest on my income as a XXXX XXXX XXXX. I seek relief in getting PayPal to release these funds immediately as there is no just cause in they holding these funds for 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX made a hard inquires on my credit report XX/XX/XXXX and XX/XX/XXXX I made several calls and emails and The supervisor agreed after verifying my accurate information and police reports that the inquiries was not truly me and agreed to remove all the hard inquires from the credit bureaus
Product: Mortgage

This is the second issue last year I paid towards the principal. I don't know what happened to my extra {$200.00} but my payment increased. The rep told me it was only a few dollars more. I told her that wasn't the point. I complained to Selene but nothing was done. This year I received a notice that I could pay the escrow shortage again. I did pay it, they received o XXXX XXXX. Well they did the same thing. It was put in a suspense account. No one can tell me why. I put the slip in there about the shortage and the amount. They took it out of the suspense account. Several reps are telling me that I will need another escrow analysis. Why when I am paying the storage? This what I was told last year but they claim My mortgage wouldn't decrease if I paid to the principal. That was my first time hearing that. This is the worst company to have a mortgage with. But my mortgage was sold to them. I wish I could add attachments to this complaint. I contact Selene Loan resolutions and customer service on the phone a emails.
Product: Credit card or prepaid card

I had a merchant charge me for a wrong order and I contacted the bank regarding this issue I have submitted all the supporting documents and they have refused to refund me the amount, they have been avoiding my email and have been ignoring my request to dispute the charge. This has been going on for 3 months