23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi, Im disputing this collection claim because I never purchased anything from XXXX XXXX. They are claiming that I owe {$140.00} for a service I never purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Equifax on XX/XX/2018 and XX/XX/2018 with the student loan companies XXXX and XXXX XXXX XXXX XXXX/ XXXX XXXX. Prior to filing a dispute with Equifax, I contacted the company directly requesting any documentation supporting the claim that a debt is owed and they never provided any documents to support the claim. I also contacted XXXX XXXX XXXX XXXX/ XXXX XXXX directly and never received a response. From there I gather all of my letters with tracking numbers and filed a dispute with Equifax. Approximately XXXX months passed, and I never received correspondence about the disputes. On XX/XX/2018, I called Equifax to receive an update and they told me that the company verified the account. I then asked them how did the company do so and they said electronically. I then asked if they could provide me documentation from company verifying the authenticity of their response, an d the representative explained that they do not have have any documents. I then asked, How do you verify if a company is reporting false information or not, and she couldn't respond. I asked her, if there was a procedure on determining if a company is reporting false information and she said no. I explained that I had contacted the companies and that there was no documentation and even no response and I question the authenticity of their investigation. Again, she could explain or answer any of my questions. She stated that whatever the company reports is what they report and that they have no way of verifying the information being supplied is correct. With that, knowing that the two companies being disputed have either refused to respond or failed to provide documentation, this shows that whatever information that Equifax claims to have if not correct. It appears that Equifax is allowing companies to provide false information with no investigation, despite what consumers are providing as supporting documentation. I have submitted this dispute over two months ago. Disputes usually require 30 days for a response. Not only did I not receive a response, but a true investigation was not completed.
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file.Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. So have these accounts DELETED from my file just like other credit bureaus did XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX I received two letters in the mail from Bank of the West Recovery Department. One letter was informing me that I was now in default the bank was accelerating payment for my loan. The balance reverted to the original balance due of {$12000.00} even though it was negotiated at the time my home went into foreclosure in XXXX and after 13 years of paying with no defaults my balance is {$3000.00}. The second later dated the same day and received the same day declared me in default of not responding to the first letter and encouraging for me to seek immediate assistance to save my home. My attempts to clear this up are ongoing.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> i notified Equifax that there were some things on my credit report that I did not recognize. I sent them instructions to block and delete the accounts due to the Data Breach ( XXXX XXXX XXXX ( a ) which were in accordance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i contacted the credit bureau via mail on XX/XX/2023 to remove inquiries off of my credit report and did not receive a response. I opened up an online account and they would not allow me to file the dispute online. I also called them and told them the inquiries on my credit and they did and would not removed them.
Product: Credit card or prepaid card

On XXXX, I detected two unauthorized ATM transactions in my Amex Serve account.I contacted Amex and they start investigation.They never credited my account with the missing money.After 45 days Amex said that transactions was authorized.They never did any investigation. Amex don't have them own ATM .I brought that case to Attorney General Office for Dispute Resolution.After 6 months AG office said that can't help me, because Amex never answer to them request.I brought that case to XXXX XXXX XXXX XXXX I have Judge Decision and Notice of Order ( XXXX ) ENTERED on XX/XX/XXXX for the amount of XXXX $ in FAVOR of XXXX XXXX sent to Amex Copy of Judgment and Notice of Entry. After fife weeks silence from Amex, on XXXX, I brought my case to XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX - Fax : ( XXXX ) XXXX. 
Already 3 months since, I STILL DON'T HAVE MY MONEY. 

Sincerely, XXXX XXXX ; DOB- XX/XX/XXXX ; SSN # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Amex Serve ; Account # XXXX
Product: Checking or savings account

I withdrew XXXX XX/XX/year> at teller machine at PNC in XXXX XXXX in XXXX. I did receive the funds for XXXX. Looking at my bank statement it shows as a payment to XXXX XXXX XXXX not atm withdrawal?!! I called PNC on XX/XX/year> spoke to XXXX and explained my issue. He checked on his computer and told me it shows XXXX withdrawal?!! I asked him why do I see on my account a payment to XXXX XXXX XXXX? He replied I dont see that, just give it some more time for it to catch up? I thought that was extremely strange? He didnt care to try find out or help me any further. Ive waited and havent heard anything back from PNC regarding this dispute. I want this investigated and corrected on my account to show a teller withdrawal since that is actually what I did! They made error on my account and it needs to be corrected. All scammers now Im concerned my account has been hacked. PNC has basically closed all branches except XXXX where you can actually go inside to have them help you correct issues like this. Seems they dont care to correct or investigate why and what cause this to be listed in my account as such. I am so disappointed in this bank now, possibly its time to bank elsewhere! Please do correct this and please make PNC accountable its their error and they need to correct my account to a withdrawal not some payment to an establishment I have no dealings or an account with. I will be waiting for a response.
Product: Money transfer, virtual currency, or money service

I sent a wire of {$10000.00} through XXXX XXXX to my client in Wells Fargo bank. XXXX XXXX sent the money the next day to Wells Fargo. I sent the wire on XX/XX/XXXX, today is XX/XX/XXXX and my client has still not received the money from Wells Fargo Bank. I need compensation from Wells Fargo for emotional pain and suffering. This has really messed up my credibility with my client and I dont intend to send anymore wires to anyone with a Wells Fargo account.
Product: Debt collection

After I filed a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX, The original servicer, XXXX XXXX had already started transferring the servicing of the loan to Nationstar on XX/XX/XXXX. Once again trying to collect on a debt that they cancelled in XX/XX/XXXX.

I am asking once again that their lien be removed because XXXX has already collected over {$80000.00} from me in payments. I did not accelerate lien in any way. The servicer XXXX  canceled the debt before acting on the lien in XX/XX/XXXX generating revenue for me. They did not however release the lien. Now they are trying to seize my home with the lien by way of foreclosure, and simultaneously trying to collect the debt by transferring the loan to another servicer Nationstar.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  entries on my credit report for the same student loan with the  U.S. DEPT OF ED - DIRECT. These loans were transferred to :   XXXX   several years ago . As of today   XXXX   XXXX   XXXX  , my students loan accounts are in a satisfactory status. It lists this on my credit report under the new student loan creditor info :  XXXX . all of my loans were transferre d to one comp any  XXXX . and they are now current but even though I have entries that show that they are now current under  XXXX  I still have those  XXXX  entries that are dated as far back as far as   XXXX   XXXX   XXXX   on my report.       old company  Creditor Contact Details U.S. DEPT OF ED - DIRECT    XXXX   XXXX   XXXX   XXXX  , TX  XXXX  (  XXXX  )  XXXX  transferred to : Creditor Contact Details  US DEPT OF EDUCATION/  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , WI   XXXX   (  XXXX  )   XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX # XXXX, XXXX, # XXXX XXXX XXXX # # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, they deleted all my inquiries and a company called acceptance now so they should have deleted all
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$3100.00}, and XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Debt collection

I am filing this complaint against Transworld Systems Inc. ( TSI ) for failure to properly validate an alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Background : 1. The alleged debt was reported to me by Transworld Systems Inc., with the original creditor listed as XXXX XXXX. 
XXXX. I initially contacted TSI through the CFPB portal requesting validation of this debt. In response, they provided only a copy of a bill from the original creditor, which does not satisfy the validation requirements under the FDCPA ( 15 USC 1692g ).

Details of the Issue : Under federal law, a debt collector must provide sufficient validation when requested. This includes : A full breakdown of the debt ( principal, interest, and fees ). 
A signed agreement proving my obligation to pay. 
Evidence of their legal authority to collect on the debt.

Transworld Systems Inc. has failed to provide any of the above documentation despite my formal request.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXXI sent a certified letter to XXXX asking XXXX to correct information reported on my credit history. I attempted to resolve the issue with the credit reporting agencies, but they directed me to XXXX ( XXXX acquired the mortgage from XXXX ). 

OnXX/XX/XXXX, I submitted a claim with cfpd due to the delay in responding to my XX/XX/ inquiring. XXXX acknowledged receipt of the XX/XX/XXXXletter, but could not verify the account or information. XXXX 's response attempts to do two things - ( 1 ) debate the validity of my request without verifying information ( they can't find the record ) and ( 2 ) direct responsibility for the  misreported information to XXXX. 

XXXX acquired loans from XXXX and is listed on my credit report ( Attached ). I can't not accept shifting blame to XXXX. Also the Fair Credit Reporting ACT requires a creditor to verify any reported information within 30 days .... according to XXXX 's own letter ( attached ) they were unable to. I am considering legal action regarding their inability to adhere to the FRCA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX XXXX XXXX is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL inquiries reported was fraud. Said company has 4 days according to the Law to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Equifax, XXXX XXXX XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, Equifax, XXXX XXXX XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an e-oscar report, if Equifax, XXXX XXXX XXXX does not have documentation to show these were in fact authorized, it must be removed as soon as possible. SAID company is liable under the SEC to follow certain rules. Equifax commission file number XXXX :, XXXX XXXX XXXX. XXXX XXXX XXXX : XXXX commission file number XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX firms to audit consumer account XXXX EQUIFAX us securitizing consumers data yet refuse to provide consumer with a copy of their CONSUMER file but instead provide a Consumer Report/ Credit Report.
Product: Debt collection

I received a call from a cell phone XXXX claiming to she had a notice to deliver to me she told me to call this other number before she tries to serve me. She gave XXXX with a case number. So I called the number & talked to a rude man who told me I was a thief. When I asked him to explain debt he explained some bogus loan that I have no idea about. All my information has been used before to open accounts that I have not opened. I told him I would complete an affadavit, he stated all I owed them was XXXX, they could sue me for 5 times that amount, so I needed to retain counsel. I told him I was not going to be strong holded by him.
Product: Credit reporting or other personal consumer reports

I disagree with the reporting of the account listed below which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, Please proivde me with the names and business addressess of each individual whom you verified and validated the above information, so that I may follow up accordingly. Additionally, please send me an update copy of credit report after completing your investigation. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have had several Capital One accounts always in good terms and they decided to close all my accounts all of the sudden because of something they saw in my personal records pertaining to a legal issue that I had long time ago, way before even applying for those cards. I only had one bump in my past and I paid for it long before applying for my Capital One cards. The closure of my credit accounts will definitely hurt my credit and consequently my future aspirations in life including the one to obtain a General Contractor 's license.
Product: Credit reporting or other personal consumer reports

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOTICE TO CEASE AND DESIST Dear Sir/Madam, You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law.

Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$7000.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$7000.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1100.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Greetings. 
Employees at Toyota Financial Services were asked to produce the original promissory note which would have my signature signed in nature, other wise any copies which they produce are forged copies which theyve sold as bad checks. An employee from Toyota Financial Services admitted that auto loans work just mortgages and that they sell promissory notes ( securities instruments ) only to return the legal tender/credits back to the customer as loans. They never gave customers consideration for the note and therefore the customer is left hanging high and dry without compensation when the note was discharge as payment for the goods. They never provided the customer with a loan so why are they being allowed to coerce legal tender from XXXX and XXXX under threat to have their property repossessed for non payment over something they never loaned in the first place?