23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Transworld Systems is attempting to collect a debt without proper legal validation. I requested verification under FDCPA 1692g, but they failed to provide a signed contract or proof of ownership. Instead, they only sent a billing statement, which is NOT legal validation. 

Despite failing to verify, they continue reporting this unverified debt to credit bureaus, violating FCRA 1681s-2 ( b ). This inaccurate information is damaging my credit. Additionally, they have continued collection attempts without proof, which is a violation of FDCPA 1692e ( misrepresentation of a debt ).

Requested Resolution : Delete this unverified debt from my credit reports immediately. 

Cease all collection activity since they failed to validate. 

Investigate Transworld Systems for repeated violations of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have accounts that are not reporting correctly on my credit reportsXXXX XXXX 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. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
I have an unverified account from a company I do not recognize the looks like a medical bill account that was paid in full to the service providers XXXX # XXXX this is a violation of HIPPA act and FCRA 609,611 please delete this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act : Account Name XXXX Account Number XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion has been reported as follows : ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. 
XXXX XXXX ACCOUNT NUMBER XXXX XXXX BALANCE {$250.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. 
15 U.S.C, 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I had an unpaid bill from my primary care provider for {$730.00} and wasnt able to resolve it in time so they went ahead and sent it to a collection agency. I talked to them over the phone to pay the bill and to see if I could get a discount for paying it in full but they said I couldnt get a discount for paying it in full. They said that I only owed {$640.00} and it might take more time, like a week she said to be able to see the complete bill. I went ahead and paid the {$640.00} on XX/XX/year>. I called again to try to get the bill completely paid for the remaining balance that I had since I knew I owed {$730.00} and only paid {$640.00} until that point. I called and they said that the rest of the balance was now available and I paid {$270.00} on XX/XX/year>. I realized after the fact that they had over charged me {$180.00}. I decided to go to the collection agencys office in person to ask for itemized receipts and they handed me handwritten receipts with no details on the charges and the charges on her handwritten receipt totaled to {$920.00}. Over the phone when I was paying my bills I asked them for my receipt and they gave me some account number and gave me instructions to put the account number in the subject of an email and send it to their email. I did as they wanted and got a receipt totaling to {$550.00} that lacked the explanation on the charges. They overcharged me {$180.00} and cant get an explanation on the overcharge.
Product: Mortgage

Below is my letter to DITECH stating the issue followed by their unjustified response. ; I included my Account number to them to ensure they could identify me by name or Loan Number. 
Before writing the letter we spent 30 mins on the phone to talk to a customer service rep who insisted that the {$65.00} fine for the {$61.00} deficit in the payment was justified and there was n't anything she would do about it. 
I think that more than 100 % penalty for an error originating from change in interest rate is egregious. 

Hello, I have been a loyal customer in very good standing since XX/XX/XXXX with XXXX before being transferred to Ditech about 4-5 years ago. 
Our payments have ALWAYS been on time on the XXXX of every month. 
For the First time in 13 years, the payment on XX/XX/XXXX was paid with an amount less than {$61.00}. 
Our payments for the last year have been {$1200.00} which we paid with Auto-pay. 
In XXXX, the amount changed to {$1300.00} and the Auto-pay paid the previously scheduled amount of {$1200.00}. 
This was NOT an intended dtefault in my mortgage payment. 
This was NOT an intentional partial payment for lack of funds. 
I have been slapped with a penalty of {$65.00} which is more than the amount I owe! 
Considering that this is the first time this has happened in 13 years AND considering that this was an honest overlook on the Auto-pay, I request that the penalty of {$65.00} be refunded to me as a good will gesture to a loyal customer in good standing. 

DITECH 's unjustified RESPONSE : On XX/XX/XXXX, at XXXX XXXX, XXXX wrote : Thank you for your recent inquiry. Ditech is unable to assist you at this time, as the information you provided can not be verified. 

If you are a Ditech customer, please visit www.ditech.comXXXX to register and log in, or contact our Customer Service Department at ( XXXX ) XXXX, Monday Friday, XXXX XXXX. to XXXX XXXX. and Saturday, XXXX XXXX. to XXXX XXXX. Central Time or send a signed request to : Ditech Customer Service XXXX XXXX XXXX XXXX XXXX, SD XXXX FAX ( XXXX ) XXXX Thank you, Ditech Financial LLC Customer Service
Product: Mortgage

Attempted to access the company website multiple times during the week of XX/XX/23 to view my mortgage loan and make my monthly payment but their website is not working. On XX/XX/23, I attempted to call the company but the phone number is no longer working. As of this e-mail there has been no communication from the company advising of any issues. It is unknown if this company is still in business or what is happening with my mortgage. 

Also, the company never sent out an Escrow Analysis Statement for this year explaining an increase in my mortgage payment which I know they are legally obligated to do. My payment increase goes into effect on my XX/XX/23 payment but again, no statement received explaining this increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX bank and its history has been removed from 3 credit bureaus although it is and has been an active account for years with an excellent history and its removal has reduced my overall credit score.
Product: Debt collection

I have a creditor saying they have a civil judgment on me and it was settled already. It 's also not my my credit report. I 'm in the middle of purchasing a home and it popped up after my report says it was removed
Product: Credit card

I have been a member of USAA for 30+ years. Recently I had to change my phone number. USAA has removed access to my account and will not give me access without a copy of my ID card. I have verified my identity with them by providing my user number, user name, PIN, and password. USAAs requirement is onerous, and unecessary. Because they will not give me access to my account I am unable to pay my bill. I am considering legal action against them if they start charging me late fees and my credit report gets any negative info from them because of this policy.
Product: Student loan

First, this page keeps reloading and I have typed this out XXXX times. 
Then, AIdvantage has charged my account and instantly made the charge overdue. Each loan was charged {$1.00} for both the months of XXXX and XXXX. My account is overdue when it was supposed to be in forbearance with {$0.00} payment due each month. 

When I try to contact Aidvantage about the problem, it is impossible. I live overseas and am unable to make international calls as this is expensive and time consuming. When I try to email via the Contact Us function, there is ALWAYS AN ERROR and the message does not get sent. There is no way to contact the company to resolve the issues and prevent them from happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rent Debt Automated continues to furnish information on credit file. A report was filed due to Identity Theft XXXX XXXX in XX/XX/XXXX went in my wallet stole drivers License and credit card. She has a record of identify theft. SHe was charged in XXXX XXXX Texas. She passed away from a massive XXXX XXXX in XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened>>>>>> XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Opened>>>>> XX/XX/XXXX
Product: Mortgage

XX/XX/2024 {$1800.00} I call carrington mortgage To ask them to stop a payment on my account because XX/XX/XXXX XXXX XXXX Account will not release a payment for XX/XX/XXXX XXXX of {$1800.00} For my mortgage and it really upset at me. Because they put me as a bad negative So this time I wanted to make sure the money was getting too XXXX soon as possible. So they told me they had 3 ways. They can get the money soon as possible whiches XXXX XXXX XXXX wired Transfer So I did XXXX XXXX on XX/XX/2024 I get all my payment at the end of the month I'm very upset because I didn't need this to happen again this company have done ththis to me three time and I'm very set I don't get no help from this company at all I have been paying my mortgage every end of the month. Even pay late fees because my payments come at the end of the month. I can send you over every bank statement from the time that I moved into this home until now and you will see. Always paid at the end of the month. I'm just frustrated because they won't help me. But they keep dragging me my credit to the ground. I feel like they want me to stay with them. Because I want to transfer my mortgage to a company that really cares about their customers. Because this company really doesn't care about that customers at all they don't look for thing when u ask them to I just need to find a local company so I can leave this It's horrible company because there no help. I'm goingna send over everything that I receive. And I would like for you guys to do some investigations on this company because it's starting irritate me because nobody 's understanding the customersituation when they seize that I paid this mortgage every end of the month I'm trying to get this company to understand I'm paying my mortgage but they're not trying to help me so at this point I don't know what I want to do. I'm about ready to just file XXXX  XXXX and go back to XXXX. Because I don't like the way i'm being treated with this company
Product: Prepaid card

I have a physical Gift Card. I tried to make a purchase through XXXX. XXXX told me that my items shipped but a backup method was used. XXXX explained that American Express declined the transaction. I called American Express and they said that the card does not work with certain merchants. XXXX has never had issues with american express as far as payments. When I XXXX  this particular problem, this has happened to other people where the physical gift card does not seem to work when purchasing online, but it only seems to work at physical locations ( in-person ), which is a major inconvenience. So now, this has inconvenienced me financially, because XXXX had to use a backup method of payment I had no intention of using. This is totally on American Express, and more complex and annoying than it should be.
Product: Debt collection

I received a letter from Credit Collection Services for an auto insurance debt with XXXX XXXX. I explained to both Credit Collection Services & XXXX that this was not my debt, I had no knowledge of this, nor did I consent to be added to this insurance policy. I also explained that this was my soon to be ex-husband 's debt & we are going through a divorce. I explained that we have been separated and living apart for more than a year & we have two separate addresses ( two separate states ). I followed up the phone call with a letter on XXXX XXXX, 2017. This issue is still unresolved and XXXX continues to try to collect money for this debt from me. I have also reported this incident to the XXXX County Sheriff 's office in XXXX MD who told me that there was nothing they could do. They also told me " this is a civil matter and that its not against the law to use a spouse 's information to get credit or open accounts without their consent ''. This is not only affecting my credit but putting my job ( security clearance ) in jeopardy.
Product: Vehicle loan or lease

On XX/XX/XXXXXXXX  I sent a endorsed security and 1099A via USPS registered mail # XXXX to U.S. Bank Trust National Association and it was delivered by USPS on XX/XX/XXXX. I also spoke with XXXX XXXX the indenture trustee respective officer on XX/XX/XXXX that provided his email where I also sent copies. According to the most recent Security Agreemeet/XXXX  filings found on the Securities and Exchange Commission official website U.S. Bank Trust National Association is list as the Indenture Trustee for XXXX XXXX XXXX XXXX . I sent both the endorsed security and 1099A so my account can be correct to a {$0.00} balance. Also the transfer agent U.S. Bank Trust National Association received my certificate of indebtness/promissory note and securitied it. Once it was securitized the company was paid in full for the vehicle, while also receiving a cuisp number and trading the security. It is also the responsibility of the Trustee/Indenture Trustee to discharge this debt according to the banking act of 1933.
Product: Debt collection

After sending in the dispute, saying that the debt reported was not mine and did not belong to me and asking for proof to verify it, or delete it. To my knowledge, I discovered that as per the Fair Debt Collections Practices Act, it is illegal to collect money for something when you do not have any legal standing to collect that debt. After asking for the debt to be removed since as they can't prove debt validation of a contractual agreement with AFNI. They are illegally trying to collect money from me, and they are hurting my livelihood by reporting fraudulent information on my credit report. They are breaking the law and I take this very seriously. According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies 15 U.S.C. 1681s-2 Reporting information with actual knowledge of errors. 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.
Product: Money transfer, virtual currency, or money service

Today my Paypal account was deactivated with no explanation. I was informed about it in the email and no reason except " due to suspicions activity '' was provided. I used it normally, nothing out of ordinary. The email says that they will hold my funds for 120 days. At the time of closure I have about {$3600.00} on the account. I called customer support, at XXXX XXXX XXXX told me they will hold on to my funds until early XXXX ( which is 180 days - whole 6 month ). Then I got to talking with someone who introduced himself as XXXX. He repeated this in very rude manner. He said there is no appeal, the decision is final, there is nothing I can do about it. I need to wait few months, then I'll get an email on how to transfer my money. 
This is an abhorrent service from supposedly one of the leading online payment vendors!
Product: Credit reporting

The XXXX XXXX XXXX account XXXX is stating High Balance of XXXX and saying the card went over the limit and that information is incorrect and this info needs to be updated ASAP. This has dropped my score XXXX points and I should be removed off this account as an Authorized User.
Product: Debt collection

PHH Mortgage is a debt collector who must maintain reasonable procedures for determining the statute of limitations applicable to a debt it is collecting and whether such statute of limitations has expired. 

In the State of New York, the promissory note and mortgage are contracts, and there is a six-year statute of limitations law in effect. 

The last payment made on the subject account according to PHH Mortgage internal records was XX/XX/. The New York State Department of Financial Services states in debt collection rule 23 NYCRR 1, Section 1.3, PHH Mortgage is required to inform me that the statute of limitations has expired. 

The Fair Debt Collection Practices Act, 15 U.S.C. section 1692, et seq strictly prohibits debt collectors from seeking payment on legally time-barred debts. 

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of a time-barred debt. Nor may a debt collector use unfair or unconscionable means to collect or attempt to collect a time-barred debt. 

It is also a violation of the FDCPA for a debt collector to bring or threaten to bring legal actionwhether explicitly or implicitly against a consumer to collect a time-barred debt ( 12 CFR 1006.26 ; see generally 86 Fed Reg 5766, 578182 [ describing CFPB interpretation of this rule ] ). 

PHH Mortgage has deliberately refused for years to inform me of the disclosure or disclaimer about the statute of limitations being expired as required by the New York Department of Financial Services debt collection rule 23 NYCRR 1, Section 1.3., despite many written requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX, Securitycred XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

I applied for a mortgage loan with Quicken loans and was pre-approved, contingent on certain conditions. I met all the conditions as specified but the loan was still denied. They stated that they could not confirm how I paid off XXXX debts. I provided bank statements that showed the withdrawal and money orders to pay off the debts. I am concerned because I am of low income and getting offers from higher cost loans and that my information has been mishandled or sold. I qualify for this loan and believe that I am a victim of housing discrimination because of offers from higher cost loans.
Product: Debt collection

I took a loan of about $ # XXXX for my son 's education and paid some of the loan and an amount of {$5600.00} became past due. The Company ( XXXX XXXX XXXX ) contacted me for payments many times. After a while I started making payment by checks to through my XXXX Bank account XXXX XXXX XXXX accounts. I paid up all the past due balance. 
After I completed the payments to XXXX, I got a call and a " bill '' from NATIONAL ENTERPRISE SYSTEMS XXXX INC. claiming to collect on the debt that have already been paid. I called both XXXX and National to let them know the debt has been paid in full and yet National continues to call and bill me for the debt. They also continue to report the debt on my credit report which is not accurate.
Product: Checking or savings account

XX/XX/XXXX XXXXi the amount of {$220.00} for XXXX XXXX which i didnt sign up for IWAS TOLD I WOULD GET A REFUND BUT STILL HAVE NOT I called numours rimea about it but nevef resebed anytging This is through Chime
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX