23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found proof that TRANSWORLD SYSTEMS is illegally reporting inaccurate information about me to XXXX. XXXX, XXXX XXXX, and XXXX The alleged collection account is not only listed as being open ( on report it states date opened XX/XX/2023 ) but also has reported a PAST DUE BALANCE of {$1300.00} with an update to all three credit bureaus regarding this alleged account being sent as recent as XX/XX/2023. This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. According to the Fair credit Reporting Act I have a right to a completely accurate credit report, and the credit bureaus are required to remove any information that is not true, verifiable and accurate. I would like this account IMMEDIATELY removed from my credit report and I would like the company ( TRANSWORLD SYSTEMS INC/TSI ) to send me an updated report showing their compliance with all XXXX reporting standards and this account removed upon completion. This fraudulently collections account has SIGNIFICANTLY NEGATIVELY impaired my ability to get credit, life insurance, and capital funding. 

I have never heard of Transworld, until the collections appeared on my credit reports. I have received NO prior notification from Transworld via email, mail, or phone call and have no debt history or prior business relationship with this company. 

I found supporting documentation that the original signed contract from the original creditor is null and avoid. The original creditor presented false accounting information in addition. The original creditor presented a closed paid account as open and wrote a business loss of their on annual taxes to reduce their tax liability while apparently sending my file to collections. Again this account has been paid in full ad was closed several years ago. The original lease is null and void ( as co-lesses signatures are missing from the original signed contract ( XXXX XXXX XXXX XXXX XXXX XXXX ). The accounting history provided in full is fraudulent and full of errors. I would like TransWorld/TSI to remove all collections accounts being reported to all credit agencies immediately given the violation of the FRCA and failure to maintain compliance with strict XXXX XXXX requirements and regulations ( I would like to see an actual carbon copy of the files shared between the original creditor, third party agencies, XXXX XXXX and the three credit bureaus, all meeting XXXX compliance guidelines. I would like a list of all individuals ( full names and contact information for all team members who have personally reviewed my credit file, this alleged collection report, and the name of the person that ultimately made the decision to add this to my credit profile. I also need to see in great detail how your company TransWorld/TPI Inc has maintained XXXX compliant standards in your reporting and sharing of information regarding my credit file to all parties involved. 

Thanks in advance for your attention to this matter. 

Regards, XXXX XXXX XXXX, XXXX, XXXX
Product: Student loan

I was notified or given the option to select which repayment type I wanted with Mohela. I was under the impression that I qualified for the SAVE plan as 2 of my loans received approval on XX/XX/XXXX. However, I have been receiving conflicting information regarding re-payment. I have been placed on the graduate standard with payments due starting XX/XX/XXXX of XXXX which is over 20 % of my income. I am also to pay the SAVE plan payment on XX/XX/XXXX of XXXX. When speaking to a representative, I was told that my loans needed to be consolidated in order to re-apply for the IDR repayment plans. However, the lack of communication up until recently has been frustrating. Now I am left with confused as to how Mohela calculated XXXX and only recently on XX/XX/XXXX thought to send me the repayment schedule for payments starting XX/XX/XXXX for a payment plan ( Standard ) I did not select.
Product: Mortgage

I have requested to be able to have a chance to bring my mortgage up to date. I receive monthly statements for the amount past due. They do not accept anymore partial payments, so i am keeping them in a savings account and have requested money from my retirement account too be able to pay up to date. I just received a letter from a XXXX XXXX who says that I can only pay my mortgage up to date TODAY with the added fees of {$280.00} called " suspense balance '' and {$390.00} called " late charges '' and the payments due as of XX/XX/XXXX of {$7100.00}. BUT, if I can not pay that TODAY, I need to pay {$10000.00} which includes:1 month ( s ) at {$890.00} per month ( XX/XX/XXXX ) $ XXXXPayments totaling {$7100.00} $ XXXXLate charges $ XXXXSuspense balance $ ( XXXX ) Foreclosure fees $ XXXXForeclosure costs $ XXXXTOTAL $ XXXXThis is supposed to be through XX/XX/XXXX. 
I received a letter from Green Tree stating that the property will be foreclosed on XX/XX/XXXX. Can someone help me to understand what is going on? They are not allowed to call me, but I 'm sure they do, since I get alot of hang up calls. I will not call them, since that would give them permission to start harrassing me again. I need to know what I have to pay to be up to date and move on. How do I answer this XXXX XXXX? Please, I just want to do whatever I have to do to bring this up to date and then refinance somewhere else, before I lose my mind here because of them!!!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain entries on my credit report that do not belong to me and are negatively impacting my credit history. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to accurate, complete, and verifiable information on my credit report. 

The accounts in question are listed under Account Name : XX/XX/XXXXXXXX, Account Number : XXXX, which I have identified as fraudulent or inaccurately attributed to me. These accounts are not mine, and their presence on my credit report is unjustly harming my creditworthiness and access to financial opportunities.
Product: Debt collection

It was brought to my attention a few weeks ago that i had an account in collections. I contacted XXXX XXXX that same day to see why they were reporting that I was in collections. I was hesitant to give them my personal information because of all the scamming going on.I gave them my name and nothing came up.I then gave them my address and got the same results ... .nothing.I gave them only my last four of my ssn and they found it.I then discovered why they could n't find me, all the info they had was incorrect except for my ssn.I told them i wanted it disputed right away. I was told to was 60 days for a response.I cant wait that long, its ruining my perfect credit. I 've call every week since and still no updates.They just hang up when I ask to speak to a supervisor!!!!!!
Product: Debt collection

On XX/XX/XXXX, received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, KS XXXX, from XXXX XXXX, regarding my daughter to vacate the apartment. I had co-signed for her, with the understanding my name would be taken off the contract in 6 months. There was no discussion of me going into the office and filling out new paperwork. That is what this office personnel is trying to do to connect me with this outstanding amount of {$1200.00}. She has on this notice, the date of XX/XX/XXXX, apartment # XXXX, from a good neighbor policy, that someone had a complaint, so they were just going to try and evict my daughter. 
I later received from : Recheck, XXXX XXXX XXXX, XXXX, KS XXXX, notices on these dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. I spoke to the woman in the collections office numerous times and she is very aware it is my daughter 's debt, not mine. I was misled by XXXX XXXX regarding this procedure, and have not signed any paperwork regarding the procedure this company, so called established. Very poor communication and management. They have since, by the City of XXXX and XXXX, KS, had to condemn multiple apartments due to unfit conditions and them being run down. I am not responsible for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then XXXX times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and negative account its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Vehicle loan or lease

I financed a car through capitol one in 2011 for a 72 month term. Over the years I 've encounter many financial set backs ( divorce/ identity stolen etc ) that caused me to extend my lease terms to 77 months. My term is up in XXXX of this year but Capitol one is telling me I owe an additional XXXX after the term has expired, for negative activity over the years. I have requested a copy of my account activity which does n't explain this balance of XXXX. I seek legal counsel and was advised to file a complaint here.
Product: Credit reporting or other personal consumer reports

This letter is a formal dispute of the debts associated with the above-referenced accounts, which are listed on my credit report. I am writing to exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), and the Fair Credit Reporting Act ( FCRA ).

1. Cease All Communications : Pursuant to 15 U.S.C. 1692c ( c ), I am requesting that you cease all communication with me regarding these accounts. You are only permitted to communicate with me to ( a ) confirm that collection efforts have stopped or ( b ) notify me of any specific legal action you are taking.

2. Dispute of Debt Validity and Request for Verification : Under the FCRA ( 15 U.S.C. 1681i ), I am disputing the accuracy and validity of these debts. If these accounts have been reported to any credit reporting agencies, I request that the accounts be marked as " disputed '' while you investigate my dispute.

Furthermore, under 15 U.S.C. 1692g of the FDCPA, I am requesting written validation of the alleged debts, including : The original creditors name and address A detailed breakdown of the debt, including interest, fees, and principal amounts Proof that you have the legal right to collect these debts Any contracts, agreements, or statements that demonstrate I owe the amounts claimed 3. FCRA Requirements for Reporting : While the debt is in dispute, you are legally required to inform all credit reporting agencies that the debts are disputed, in accordance with the FCRA. Failure to accurately reflect the dispute status on my credit report or any further reporting of inaccurate information could result in legal action for violation of my rights under the FCRA.

4. Legal Consequences for Non-Compliance : If you fail to comply with these requests, I reserve the right to pursue legal action for violations of the FDCPA and FCRA. Under these laws, I am entitled to statutory damages, as well as any damages resulting from continued reporting of inaccurate or unverified information.

Please provide me with the requested validation and any supporting documentation within 30 days of receiving this letter. Until these matters are fully resolved, I expect all collection efforts, including phone calls, letters, and other forms of communication, to cease.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX. Below are the following collection accounts that I would like to have permanently deleted from my Equifax Credit report : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX, LA XXXX XX/XX/year> First Source Advantage XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX NY XXXX ACCOUNT XXXX : XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account Dear First Source Advantage LLC , I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. 

According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. 

For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt. 

XXXX. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. 

Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 


Sincerely, XXXX XXXX XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

We are filing a complaint regarding a situation that resulted in our paying an additional {$2100.00} in exchange fees. 

We began the loan process with our loan application dated XX/XX/XXXX. The loan in the amount of {$110000.00} was finally deposited into our checking account # XXXX on XX/XX/XXXX, almost 3-1/2 months later. While we recognize that they didnt have to approve us for a loan at all, we believe 1 ) we were left waiting an unnecessary amount of time and 2 ) we were repeatedly asked for additional documentation that further delayed the process. 

Our loan officer in XXXX, Oregon was very professional throughout the process. She kept in close contact with us and did her best to expedite the process. She apologized for the repeated delays and told us that the bank was in the process of trying to streamline the loan process. 

We believe that Washington Federal is at fault for unduly delaying the loan process. This delay precipitated a situation that caused two things to happen : 1 ) Our relationship with our XXXX counterparts, realtor and notary deteriorated. By the time the money came through, our only choice, to avoid possible litigation, was to transfer the money directly through Washington Federal rather than use our choice of transfer agent, XXXX, which would have taken another 2 days ; 2 ) Transferring the money directly through Washington Federal caused us to pay an additional {$2900.00} in exchange fees plus a {$45.00} transfer fee. XXXX, on the other hand uses the live mid-market rate which is only .7 % or {$800.00}, a total difference of {$2100.00}.
Product: Mortgage

( 1 ) Could you investigate the Chase 's mortgage accounting book? We received wrong mortgage interest statements ( Copy B ) and ca n't file our tax return. 
( 2 ) Chase paid only {$8800.00} and {$5800.00} in interest in XXXX and XXXX while they should have paid ~ {$9900.00} and XXXX {$9500.00}, respectively. We made regular payments ( interest + principal ) throughout the years. It appears that Chase stole the money before they paid interest. 
XXXX {$11000.00} ( Chase payment ) vs {$11000.00} ( our estimate ) XXXX {$10000.00} ( Chase payment ) vs {$10000.00} ( our estimate ) XXXX {$8800.00} ( Chase payment ) vs {$9900.00} ( our estimate ) XXXX {$5800.00} ( Chase payment ) vs {$9500.00} ( our estimate ) ( 3 ) Chase violated our NOTE & DEED OF TRUST which state that the payments should be allocated in the following order of the priority : ( a ) interest ; ( b ) principal ; ( c ) escrow. 
( 4 ) We want to point out that, by mere paper work, Chase manufactured a false deficiency and stole XXXX {$35000.00} from us. They doubled tax burdens ( with 100 % interest ). Chase allocated the payments in the following order of the priority : ( a ) Chase 's theft ; ( b ) principal ; ( c ) escrow ; ( d ) interest.
Product: Debt collection

This is truly False it is Identity theft I am being SCAMMED by these FAKE popup international own noncompliance call collection agency and by all laws of health care provider, no one has that rights to create false billing to cover their own personal lost this is creating false billing, XXXX XXXX XXXX XXXXhould not be permitted by law with selling My information for pennies when I do not owe this medical practice anything whatsoever. It is I am a individual patients who has been harass and do have the rights to file suit seeking to recover actual damages. 
I do not owe XXXX XXXX XXXX XXXXny medical payments THIS false claim co-pay or false claim deductible is Greed and to falsely share my information to a third party has violated my privacy this illegal practice of selling an individuals debt to another call third party is a SCAM seeking money wanting to damage my credit, violate my Rights to live freely as a Citizen of this Country. XXXX XXXX XXXX has sold all FALSE Reporting adverse information this is all about trying to damage my freedom to enjoy life My Constitutional Rights hoping to damage my credit, and force me to pay a falsely created bill. 

These individual who has created this false outstanding credit scale are these outsource FAKE Collection individuals seeking greed to falsely report to consumer credit reporting agencies or credit bureaus FALSE information, this is not true it is FAKE. Question here is why am I always a selected TARGET to be SCAMMED when I OWE NO one especially when All MY Medical Bill have been Paid and there is no outstanding I have Insurance and I pay all on time when told and needed CO-PAYS or Deductibles there is NONE. 
This is illegality to shared information that is falsely shared on co-pays or deductible violating my privacy when no additional payments were ever discussed before the schedule procedure this is truly a false claim from a third party who have no legal rights Under the federal Fair Debt Collection Practices Act ( FDCPA ), a debt collector can not falsely collects debts owed to others. My information never should have any information on owing I owe no one this is cyber searching my medical life to damage my life and a SCAM. No one pays Co-Pay for Preventative medical NO ONE this was never discuss therefore, it is FALSE. 
The new health care law says all health plans* have to cover preventive services at 100 percent. That means no out-of-pocket costs for you, as long as you get them from a doctor or clinic your plan covers. By no cost I mean : You pay nothing to visit the doctor ( copays ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has reported a {$67.00} medical deb to my credit report. When I informed them of the Illinois law, they ignored more request. 
Medical debt that is under {$500.00} should not appear on credit reports. This information should not appear on credit reports if the medical care occurred in Illinois, or if the credit report was purchased or used in Illinois. 
Equifax and this collection agency is now in violation.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with the outcome of my second attempt to address fraudulent items on my credit report. Despite my initial dispute and the submission of supporting documentation, the fraudulent entries persist, posing a severe threat to my financial well-being. 

I previously reported these fraudulent items and submitted comprehensive evidence outlining the fraudulent nature of the entries. Unfortunately, upon reviewing my updated credit report, I discovered that the fraudulent items remain, causing substantial harm to my creditworthiness and financial stability. 

I have attached copies of my initial dispute letter, the supporting documentation submitted, and the most recent credit report highlighting the unresolved issues. 

Given the urgency of this matter, I implore you to conduct an immediate and thorough investigation, carefully review the provided evidence, and expedite the removal of the fraudulent items from my credit report. The continued presence of these inaccuracies is causing significant distress and hindering my ability to access credit and financial opportunities. 

If additional information is required to facilitate a prompt resolution. I expect a rapid and equitable resolution to this issue, in accordance with the Fair Credit Reporting Act. I am asking for your assistance to remove these fraudulent items in my credit file : XXXXXXXX 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 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