23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a federally protected consumer, and I am making this complaint against TRANSWORLD SYSTEMS INC, for committing identity theft. I have never given TRANSWORLD SYSTEMS INC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with TRANSWORLD SYSTEMS INC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving TRANSWORLD SYSTEMS INC any right to collect on this alleged debt. 

I have never received any documentation requesting validation from TRANSWORLD SYSTEMS INC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If TRANSWORLD SYSTEMS INC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until TRANSWORLD SYSTEMS INC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and TRANSWORLD SYSTEMS INC, continues its collection efforts, I will file for litigation for actual damages caused and TRANSWORLD SYSTEMS INC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Debt collection

Fox Collection Center is reporting to all XXXX credit bureaus. I have asked for validation numerous times from this company. They have failed to comply with e 30 day turnaround also failed to comply with furnishing information that they are licensed and bonded to collect a debt in my state of South Carolina. The have violated my rights by fraudulently accessing my consumer file and invading my privacy. I have never signed a contract with this company. I have not only asked for a signed contract and original signature from said company or whoever the claim to be collecting on the behalf of. ANd nothing, no avail, no response, no resolution.
Product: Mortgage

Ocwen Loan Servicing has been contacted several times to drop the Private Mortgage Insurance on a loan. The loan to value is far below the 78 % and the payments are made by electronic transfer. They sent one letter back that said they will send another letter stating that they will drop the PMI. This was two months ago and they are still charging PMI on the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a personal endorsement to pay the loan. This is unrelated to any business loan. This is affecting my personal credit, hence unrelated to the business loan. This is fully under the auspices and jurisdiction of the CFPB as this affects my personal and family objectives. 

Unfortunately, I XXXX XXXX XXXX  I subsequently lost my job, my wife also was XXXX. I contacted the company to make arrangements for deferment or modification. I was denied by the company. I was denied protection given under law by the CARES Act. Under the CARES Act, stating : " XXXX XXXX, acting director of the Consumer Financial Protection Bureau ( CFPB ), recently stated that the bureau is taking much-needed action to protect consumers, particularly the most economically vulnerable. [ 1 ] As part of this new focus, the CFPB will take aggressive action to ensure that regulated companies follow the law and meet their obligations to assist consumers during the COVID-19 pandemic. [ 2 ] As such, the case for CARES Act examination preparation is stronger than ever. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I mailed a credit dispute letter off to Experian in regards to a number of accounts inaccurately being reported onto my credit report. It was received and on XX/XX/22 FOUR days after the 30 days that the investigation should have been completed by I received an email stating that my dispute results were ready ( see attached proof ). 

I viewed these dispute results and according to Experian they accounts disputed have been verified though they did not provide names, addresses and telephone numbers of individuals contacted during your investigation that helped verify these accounts per request which violates my rights according to FCRA 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ] and 611 ( a ) [ 15 USC 1681i ( a ) ]
Product: Debt collection

LVNV Funding LLC, This letter is the second time to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement with my signature and any other supporting document you may have that I have willingly entered into any sort of agreement with LVNV Funding LLC and if or where I agreed to have business with you or paperwork contracted for myself & LVNV Funding LLC. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. Unless LVNV Funding LLC can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. Thank you for your time.
Product: Credit reporting or other personal consumer reports

This complaint addresses TransUnions repeated non-compliance with the Fair Credit Reporting Act ( FCRA ). TransUnion has failed to complete my disputes within the 30-day period required by the FCRA and has not provided sufficient documentation to justify its verifications.

Key Issues : Extended Investigation Time : TransUnion has not completed its investigation of my disputes within the mandated 30-day period.

Inaccurate and Inconsistent Reporting : Despite another bureau removing the same disputed accounts, TransUnion continues to report them as verified without supporting documentation.

Failure to Provide Verification : TransUnion has verified disputed items without furnishing any documentation to demonstrate a thorough investigation, violating my rights under the FCRA.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to you today to urgently request your assistance in addressing a concerning issue regarding an inaccurate collection account on my credit report. 
Personal Information : XXXX XXXX XXXX or XXXX Nature of the Complaint : An inaccurate collection account from portfolio recovery asso. is currently appearing on my credit report without my consent or knowledge of any contract with this company. I have not authorized them to use my personal information or credit data in any way. 
Violations of the Fair Credit Reporting Act ( FCRA ) : This collection account directly violates several key provisions of the FCRA, including : Section 607 ( a ) ( 1 ) and ( 2 ) : Credit reporting agencies are required to ensure the accuracy, completeness, and timeliness of the information they report. 
Section 615 ( a ) ( 1 ) : No person may furnish inaccurate information to a credit reporting agency. 
Section 621 : Willful noncompliance with FCRA requirements can result in liability for actual damages or statutory damages of {$100.00} to {$1000.00}. 
Additional Legal Violations : Beyond the FCRA violations, I believe this collection account was fraudulently bought and sold, which constitutes a breach of : Fair Debt Collection Practices Act ( FDCPA ) : Prohibits the sale or purchase of illegitimate debts. 
Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) : California law with similar protections against fraudulent debt practices. 
Federal Mail and Wire Fraud Laws ( 18 U.S.C. 1341 and 1343 ) : Prohibit deceptive or fraudulent activities. 
Demand for Action : I strongly urge the CFPB to take immediate action to : Investigate this matter thoroughly. 
Ensure the removal of the inaccurate collection account from my credit report. 
Hold any responsible parties accountable for their violations of the FCRA and other applicable laws. 
Provide appropriate compensation for the time and effort I have expended in disputing this inaccurate information. 
I am confident that the CFPB will take the necessary steps to protect my rights as a consumer and rectify this injustice. I look forward to your prompt response and resolution of this matter. Thank you for your time and attention to this urgent issue. 
Sincerely, XXXX XXXX
Product: Student loan

XXXX XXXX XXXX : XXXX Contact Information ( XXXX ) XXXX XXXX Great Lakes XXXX is double charging me on interest and the total amount of {$8100.00} consolidated loan Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$8100.00} In repayment This loan was consolidated already on XX/XX/XXXX with Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$62000.00} In repayment I have contacted this loan servicer and discussed the issue of them not paying off and ( continuing to charge me interest ) the {$8100.00} that is already included in the {$62000.00} consolidated loan. They explained to me that this was a computer glitch and they would clear it up by XX/XX/XXXX. They are very aware on their system not showing this already paid off consolidated loan. They have left the balance of {$8100.00} on my account with a payment date due on XX/XX/XXXX and this balance is already included with the {$62000.00} loan. They Great Lakes refuse to take off or show that the {$8100.00} loan is paid in full within the {$62000.00} loan. Therefore, this loan servicer is double charging me for the consolidated paid off loan and will not remove or show that this smaller loan is paid in full. They assured me that this issue would cleared up because of their known computer glitch system that affect many of their customers. This loan servicer is also not updating and reporting my account to the credit bureaus correctly. 

I recently took out a another student loan in XX/XX/XXXX U.S. DEPARTMENT OF Stafford Loans EDUCATION ( XXXX ) Balance {$6700.00}. This loan is not what I am making a complaint about it is this loan ( Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$8100.00} In repayment ) In school until XX/XX/XXXX These are the correct balances before the XX/XX/XXXX consolidation. This does not include the new XX/XX/XXXX2018 Stafford loan. 
Overview Balance {$54000.00} Highest Balance {$55000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 7 yrs, 3 mos ) Overview Balance {$8100.00} Highest Balance {$6600.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 6 yrs, 7 mos )
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires without my knowledge and or consent. Please delete from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information regarding my XXXX XXXX account ( Account Number : XXXX ) on my credit report. Specifically, I have identified inconsistencies in the payment history reported by the three major credit reporting agencies. 
Discrepancies : * Experian has reported the account as charged off. 
* XXXX has reported the same account and time period as paid as agreed. 
These discrepancies are clear violations of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a consumers credit report must be accurate and consistent. 
Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation into disputes and ensure the accuracy and completeness of the information they report. Additionally, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Given the conflicting information between Experian and XXXX regarding the status of my XXXX XXXX account, it is evident that the information being reported can not be verified as accurate. 
Therefore, I request the immediate deletion of this account from my credit report to ensure compliance with FCRA guidelines and to prevent further harm to my creditworthiness and financial reputation. 


Enclosed are copies of my credit reports from Experian and XXXX highlighting the discrepancies in the reporting of the XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  gave me  XXXX , and then failed to give me  XXXX  or equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in 2019, Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX XXXX  XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX, Equifax or XXXX, no longer responds, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with Equifax, XXXX  and XXXX  claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.
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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Debt collection

I did not have any procedures performed at  XXXX   XXXX  on  XX/XX/2016   . Furthermore, I never received a bill in the mail for this amount from any facilities. This collection is now on my credit report that I have no knowledge of.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Accounts 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 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 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

My credit report is showing late payments to XXXX XXXX  XXXX. XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Product: Credit card

On XX/XX/year> afternoon, my phone number and email address were compromised in what I suspect was theft. I received upwards of XXXX spam emails and text messages on my phone within XXXX hour timeframe from various merchants and websites ( different languages ). Within these emails and text I also found XXXX from Discover noting that I had applied and was approved for a credit card, furthermore another email from XXXX ( my bank ) sent me an email noting that there was a credit check completed, again without my authorization. 

I called both Discover and XXXX to address this and was able to put a freeze on my credit account through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago I closed my credit card account with XXXX XXXX. XXXX XXXX acknowledged the closure, even reporting it to the bureaus. I have no further business with XXXX XXXX whatsoever. However for marketing purposes XXXX XXXX has continued, without my consent to access my credit report. To regain my business and enrich themselves XXXX XXXX keeps sending me emails that indicate the change in my FICO score. As of today, I have received two emails that indicate the unauthorized access of my credit report by XXXX XXXX. First email notice was sent to me on XX/XX/2022 indicating a change in my Experian credit score. The second email was sent today XX/XX/2022. The latter email indicates that my score has dropped by XXXX points and that I should sign up for their credit-wise service. I consider these two emails as proof that my credit report was accessed without my written consent after the termination of all contracts with XXXX XXXX. Contracts do not and can not exist in perpetuity.
Product: Bank account or service

On XXXX XXXX, 2016 I opened a Citibank checking account ( Citigold ) under offer code XXXX. The promotion would credit my account with XXXX ThankYou Points ( redeemable for up to {$400.00} in gift cards ) if I " within 60 days after account opening, XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months ''. 

I have the promotion disclosure that shows the promotion is attached to my account. 

I made my first bill payment on XXXX/XXXX/2016 on a XXXX credit card. 

I made a second bill payment on XXXX/XXXX/2016 on a XXXX credit card. 

I contacted Citi customer service after I made the second bill payment in order to confirm that I had met the terms of the promotion. 

Citi customer service sends requests for status on promotions to another group which I can not communicate directly with and that group sends me electronic letters with the result of each inquiry. 

The first inquiry, XXXX, indicated that I was not eligible for the promotion but also seemed to reference an incorrect promotion ( XXXX that rewarded XXXX XXXX AAdvantage miles instead of Citi ThankYou Points ) so I called Citi customer service and submitted another inquiry. 

The second inquiry, XXXX, stated : " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. While Citi does offer ThankYou ( R ) Points promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I called Citi customer service a third time, indicating that I did receive this promotion and while I no longer have the original letter I do have the promotion disclosure indicating that the promotion code was attached to the account when I opened it. 

I received a third electronic letter from Citi client services ( XXXX ) again stating : " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. While Citi does offer ThankYou ( R ) Points promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I again called Citi on XXXX XXXX 2016. The customer service supervisor that I spoke to stated that even though I provided the promotional code it was their opinion that I was not targeted for the promotion and they would not honor the promotion. In addition, they refused to waive the fee for opening the CitiGold checking account. The supervisor stated that after the fee is charged I could call back and then Citi " may '' be able to waive the fee. 

It seems dishonest to allow me to open the account with the promotion code and after I fulfilled the terms of the promotion refuse to honor the terms of the promotion and refuse to guarantee me refunds for the fees associated with the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX