23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX XXXX XXXX, Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX  ) Address : XXXX XXXX XXXX XXXX, XXXX PA XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Name : XXXX XXXX, Account Number : XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to Experian, XXXX, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Debt collection

I am filing this complaint regarding an account reported by Transworld Systems Inc. on my credit report. I have no knowledge of this alleged debt, nor have I received any documentation validating its legitimacy. Despite my efforts to resolve this matter directly with Transworld Systems Inc., they have failed to provide the required information, which is a violation of federal consumer protection laws. 

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have the right to request validation of any debt. This validation must include clear documentation that the debt is legitimately tied to me, details about the original creditor, and the amount owed. Transworld Systems Inc. has failed to comply with this requirement. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), credit reporting agencies must ensure that any information they report is accurate and complete. I have disputed this account with the credit bureaus ; however, Transworld Systems Inc. continues to report the alleged debt without proper validation, violating the FCRA 's provisions for handling disputed information. 

The continued reporting of this unvalidated account is causing undue harm to my creditworthiness and financial standing. Furthermore, under FCRA 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information they report. The lack of documentation and failure to resolve my dispute violates this obligation. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Specifically, I seek : The immediate removal of the unvalidated account from my credit report across all bureaus. 
Confirmation from Transworld Systems Inc. that they will cease collection activities unless proper validation of the debt can be provided in compliance with federal law. 
Thank you for your attention to this matter. I look forward to your assistance in ensuring compliance with federal credit and debt collection laws and restoring accuracy to my credit report.
Product: Mortgage

This is a follow up to complaint # XXXX that I filed. The company has still not sent me a check for the surplus escrow balance even though I did receive a new escrow analysis. This was in the original complaint.
Product: Debt collection

I recently reviewed a copy of my XXXX report and noticed that Carter Young for {$220.00}, is still associated on my credit report. Attached is proof that this account was found invalid, and was removed from my XXXX credit report. I have contacted XXXX, to advise them to follow suit and to remove Carter Young {$220.00} off my credit report, which still shows as a open collection on my account. This must be removed from my credit report to show my true credit history, as tis item should not be reflecting on my credit report. 

He is a copy of the Bureaus name, findings, and proof of this removal of Carter Young {$220.00} being removed from my XXXX credit report. 

XXXX XXXX
Product: Vehicle loan or lease

Fauldent bank loan ( no money was transfered to or through my account. 
Failure to Disclose your Participation in Truth And Lending Act.

Failure to disclose that down payment wouldn't be needed under 15 USC 1662 ( b ).

Failure to notify when or if presale was happening.

The lender didn't provide you written notice of my right of redemption and ( or ) right of reinstatement. It must tell you : The amount of the outstanding balance of the loan, including all fees and charges The deadline to redeem the loan The method by which you can save or pay off the loan to get the vehicle back, and if your state allows for the right of reinstatement, the amount necessary to bring the loan current, and the steps you need to take to reinstate that loan.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with the CAPITAL ONE AUTO FINANCE regarding inaccurate reporting and fraudulent accounts listed on my credit report. Upon reviewing my credit report, I discovered multiple accounts that fraudulently reporting and damaging. These accounts have been inaccurately reported to the credit bureaus and are negatively impacting my credit score and financial well-being. Despite disputing these accounts with the credit reporting agencies, the fraudulent entries continue to appear, indicating a failure to correct or remove the inaccurate information as required by law. This situation violates the Fair Credit Reporting Act ( FCRA ), specifically Sections 607 ( b ) and 609 ( a ) ( 1 ), which mandate that credit reporting agencies ensure the accuracy and completeness of the information they report and provide consumers with the right to dispute inaccuracies. Additionally, Section 605B of the FCRA outlines that information resulting from fraud or identity theft must be blocked from a consumer 's credit report. The continued presence of these fraudulent accounts on my report, despite my efforts to correct them, constitutes a violation of my rights under the FCRA and has caused substantial harm to my financial standing. I am requesting an immediate investigation into these discrepancies and the removal of any fraudulent accounts from my credit report.
Product: Checking or savings account

Attempt to open business checking, after getting all documentation representative stated a incomplete application back in XXXX disqualified current app in XXXX. I never completed app or submitted documentation in XXXX.
Product: Checking or savings account

Unable to open an account with Truist Bank. An account was open fraudulently with the previous name ( BB & t ). Also, a bank account was opened fraudulently with XXXX bank. I have been a victim of identity theft for the longest and it's not fair to me because I can not obtain accounts when I go to apply for an account. People can steal identity and get away with it, and it will all fall on you. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I called this company in XX/XX/2019 I made payment arrangements they have been taking {$190.00} every month faithfully without missing a payment and its being on time. They told me this year they would not be taking my income tax I just looked and they took all my money and they did it last year to after Ive been making payments faithfully not only that they did not update my credit report accurately every month it says not on time when I have proof with my bank account my bank statements showing Ive been taking XXXX out automatically every month how is that fair? My name is XXXX XXXX My phone number is XXXX this is not fair Ive done everything they told me to do and they still took all my money they lied to me and theyre not updating my credit report.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a discrepancy in my credit report that requires correction. After a careful review of my credit report, I noticed that there are late payment entries for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed on my account. I would like to request your assistance in investigating and correcting this inaccurately reported information on my credit file.
Product: Mortgage

We have a reverse mortgage with Wells Fargo reverse mortgage and we have been unable to acquire money from them for various reasons according to them. we used a lot of the money a certain quota which they say it has to go through HUD. and I have to write a letter instead of over the phone like we always did before. My complaint is I sent XXXX letters to them priority mail but they say they only received XXXX and they said I forgot ss # or birth date of the person whose name is on the account. 
The account name is XXXX XXXX birth date XXXX XXXX # XXXX today is XXXX 2016 Loan # XXXX Pin # XXXX Wells Fargo Phone XXXX Reverse Mortgage I sent a fax from their bank they said they could't accept a fax.
Product: Debt collection

The debt is OVER 7 ( SEVEN YEARS OLD ) therefore they can not collect on something that was back on XX/XX/2013 with the original creditor XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

On Thursday, XX/XX/XXXX, I vacated my apartment at XXXX XXXX ( property address : XXXX XXXX XXXX  ; XXXX XXXX, GA XXXX ) ahead of my lease that ended on Thursday, XX/XX/XXXX. I received an email with a bill for final fees in the amount of {$120.00} after the end of my lease. Previously, I paid all bills through an online portal. Upon moving out, my access to that online portal was discontinued. I reached out to XXXX XXXX via phone prior to the XXXX due date to find out how to remit final payment, but did not receive a return call. I also reached out via email prior to the payment due date, and did not receive a response. 

On Wednesday, XX/XX/XXXX, I sent an email to the XXXX Grand Manager advising that in light of a lack of response, I would send a payment through certified funds to the office location via certified mail to satisfy the outstanding balance. I requested read receipts and delivery receipts to these emails so that I would have passive confirmation that my email was noted. While I did receive delivery and read receipts, I did not receive a response to this email. I waited 72 business hours for a response, and then proceeded as outlined in my email. 

On Friday, XX/XX/XXXX, I received confirmation that the certified funds payment that I sent via USPS certified mail was received and signed for by " Manager. '' On Saturday, XX/XX/XXXX I received a call from TransWorld Systems regarding this payment. The agents that I spoke to claimed that XXXX XXXX had not received payment. Additionally, the agents repeatedly asked for personally identifying information ( SSN, previous addresses, current address, etc. ), which I declined to provide. They asked for proof of payment which I was willing to provide, but they stated they could not provide an email address nor a physical address to submit this proof unless I provided personally identifying information. To date, they have not provided any contact information that I can use to submit the proof of payment. 

On that same day, Saturday, XX/XX/XXXX, I called XXXX XXXX and XXXX XXXX, Assistant Manager answered the phone. While she confirmed that the check was received, she stated that she was not sure about the whereabouts of the certified bank check and was unclear about why a payment had not been applied to my account. I informed XXXX that I would send a follow up email to her and to the manager recounting the details of our conversation, and expecting to be advised on when and how the final payment, which they confirmed was received, was not applied to my account and why my account was referred to collection. I also requested read and delivery receipts to these emails. To date, I have received a delivery confirmation, but I have not received a read receipt nor have I received a response. 

Please see seven documents ( e.g. emails, copy of certified funds, USPS delivery confirmation ) supporting this account attached.
Product: Credit card or prepaid card

Wells Fargo continues to claim the credit card charges made with XXXX and XXXX XXXX  are valid. They are asking me to provide my personal medical records to show I can not drive. I will submit those only on this website and expect that they will be kept highly confidential
Product: Student loan

( Issue # 1 ) EdFinancial informed that if I enrolled in XXXX, or XXXX- whatever it's called - that my interest rate would go down by 0.25 %. After doing such enrollment, I did not see I reflected in my account that my interest rate had gone down by 0.25 %. Further, when I called EdFinancial about this today XX/XX/2023, I received a call back from them after a wait of more than an hour, EdFinancial then hung up on me once I mentioned the 0.25 % rate decrease issue. EdFinancial must immediately decrease my interest rate by 0.25 % in both representation and in actually not charging that interest.

( Issue # 2 ) EdFinancial has allowed the Department of Education to receive from me a payment of {$8.00}. EdFinancial is writing or speaking nonsense to me when I bring up this payment. EdFinancial must immediately decrease my loan balance by {$8.00} or write to me a check in the amount of {$8.00}. EdFinancial states the payment of {$8.00} was denied due to insufficient funds and it was because we could not accept the method of payment. However, such funds were not returned to me. As I recall, the company which gave me the account/routing numbers to make a payment via EdFinancial was willing to engage in a 3-way call with EdFinancial to assist EdFinancial in locating my payment. However, EdFinancial was unwilling to engage in this 3-way conversation. EdFinancial was uncommunicative about the matter, suggesting they are being dishonest about the location of my {$8.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found several errors on my credit reports and sent an initial dispute to all 3 bureaus on XXXX XX/XX/XXXX to investigate the following accounts that were inaccurate : Receivables Performance in the amount of {$1400.00}, XXXX XXXX XXXX in the amount of {$1900.00}, XXXX XXXX XXXX in the amount of {$880.00} and XXXX XXXX in the amount of {$670.00}. After my initial dispute, XXXX XXXX XXXX and XXXX XXXX were both deleted from all 3 reports. 

I sent a second and third round of letters to all three bureaus in XXXX and XXXX requesting a validation of the two remaining accounts, XXXX XXXX which is a credit card debt and XXXX XXXX XXXX which is a medical debt. I asked for a re-investigation and requested to be given any documentation that shows how the balances were achieved and any documentation with my signature that they have on file that was sent from the original creditor. All 3 bureaus have failed to provide me with any documentation as requested. It's clear that they don't have any as required by law. XXXX and XXXX have also failed to explain their process of investigation or how the accounts were verified as I requested. None of them have sent me anything other than the results of the investigation. 

The XXXX XXXX debt in the amount of {$1400.00} was sold to another company, XXXX XXXX. Not only was this debt added back to my credit reports without the bureaus notifying me within the required 5 days ( or at all ) but the account was also re-aged by two years, which is illegal. They didn't provide me with documentation for a validation of this debt as I requested either. This was an unlawful re-insertion and they have failed to delete this account again as requested. 

I reached out to XXXX XXXX on XXXX XX/XX/XXXX, which is a medical debt requesting documentation that they have on file in order to validate this debt. They sent me information about my hospital visit but the document was printed from their computer and it didn't include a HIPPA release form which is a clear HIPPA violation. They do not have my permission to maintain my personal health information in their company database. The company and bureaus have refused to delete this account even after the HIPPA violation and I plan to pursue this issue further in court if this item is not deleted from my credit report immediately. 

***All letters were sent certified mail so that I could verify that the bureaus received my requests and I have documentation of all of the interactions that I've had with them if needed in the future.
Product: Debt collection

As a victim of identity theft, I am distressed by the refusal to block these fraudulent entries without a clear justification. It is disheartening to note that Experian seems to be disregarding my rights as a consumer and failing to comply with the law, unlike other credit reporting agencies that have diligently addressed similar issues. 
I am questioning your authority for such decision without valid verification. I am questioning WHAT ENTITLED DO YOU UPHOLD THAT YOU THINK DECLINING THE REQUEST WITHOUT PROPER EXPLAINATION WAS JUST LIKE AS WHAT YOU LIKE TO DECIDE? IF YOU CANT ENLIGHTEN ME WITH VALID EXPLAINATION ATLEAST REMOVE THESE ACCOUNT IMMEDIATELY!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX  XXXX XXXX have already removed this account from their records. 
The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a thorough investigation and provide consumers with a detailed explanation of any adverse action taken. Unfortunately, Experian has failed to meet these legal obligations. I insist on your immediate attention to this matter and request that you rectify the situation by promptly blocking the fraudulent accounts from my credit report. I also expect you to provide a detailed explanation for the initial rejection of my request, as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed out my account in XX/XX/2019 and still received fraudulent charges. 
Non-Negotiable NOTICE and DEMAND From : XXXX, XXXX XXXX XXXX, hereinafter " Borrower '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX To : XXXX XXXX XXXX, hereinafter " Lender '' XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/2019 RE : Notice and Demand to Cease and Desist Collection Activities Prior to Validation of Purported Debt. 
Dear Account Manager : Pursuant to the Fair Debt Collection Practices A c t, 15 U.S.C. 1601- 1692 et. seq., this constitutes timely written notice that I dispute the entire amount of the alleged loan and that I decline to pay the attached, erroneous, purported debt Notice which is unsigned and unattested and which I discharge and cancel in its entirety, without dishonor, on the grounds of breach of contract, false representation, and fraud in the inducement. 
You have refused to answer my Notice of Adequate Assurance of Due Performance, thus ending the alleged agreement and giving me evidence that you did not follow G A A P. According to the bookkeeping entries, the borrower provided the money or credit, a thing of value, to fund the alleged loan or check or similar instrument in question. Failure to answer my Notice of Adequate Assurance of Due Performance tell me that you acknowledge that I funded the alleged loan and the loan an agreement was stolen and forged, thus ending any claim you have against me.