23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In Mid-XX/XX/2019, I received a letter from Transworld system Inc, indicating that as a result the settlement of a lawsuit between XXXX XXXX XXXX XXXX XXXX and CFPB, my loan payment has been reduced, and that Transworld was now collecting payments for my private student loan through XXXX XXXX XXXX XXXX XXXX. The letter, however, did not indicate how my private loan through XXXX XXXX XXXX XXXX that was being serviced through XXXX XXXX was going to be terminated or how XXXX XXXX was going to be notified of this settlement result. 
When I called Transworld Systems Inc for clarification, I was told any of my private student loan through XXXX XXXX XXXX XXXX now needs to be paid through Transworld Systems Inc, and no one else. When I called XXXX XXXX, they insisted I needed to pay XXXX XXXX. 
I called both XXXX XXXX and Transworld Systems Inc multiple times, and verified that that all of my private loan that was being serviced through XXXX XXXX wasfrom XXXX XXXX XXXX XXXX XXXX, and I have learned that both XXXX XXXX and Transworld Systems Inc are sending me bills for payments for my private student loan through XXXX XXXX XXXX XXXX. I have asked to speak with the managers multiple times at both agencies, and I was never able to get through to any managers, and the representatives I spoke at both agencies could only repeat that I owe each of the agencies payments for my private student loans through XXXX XXXXXXXX XXXX XXXX without any explanation. I looked for ways to contact XXXX XXXX XXXX XXXX XXXX, but every time I called, I was only given the number for Transworld Systems after multiple transfer of calls. Neither XXXX XXXX nor Transworld Systems is willing to look into my situation. Both XXXX XXXX and Transworld Systems are refusing to communicate with each other regarding the settlement result of the private loan through XXXX XXXX XXXX XXXX XXXX. Instead, they are both insisting payments. 
I have since learned that neither XXXX XXXX nor Transworld Systems Inc has proved to me with any documents that my payments, indeed, need to be paid through either one of the agencies. In the mean time, I am getting bills from two different agencies for payments for the same private student loan, which I am not even sure what education the loans were for. 
XXXX XXXX XXXX XXXX seems to be acting very irresponsible and unfair, charging individuals through multiple agencies what they do not owe. I ask CFPB to look into this matter for me. Thank you so much! 
- XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$43.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

The ATM machine did not fully process my transaction. Its stuck in a processing your transaction mode. Been waiting for over 20 minutes. I can not get the machine to cancel or credit properly. My account I need help XXXX is not responsive. 
ATM ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX United States Amount : {$4300.00} Stuck processing transaction wait! 
Tried cancelling multiple times wont fix anything
Product: Credit reporting or other personal consumer reports

. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 

XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
The incorrect status of your credit reporting agency records is unacceptable and is impeding my ability to secure necessary financing. In accordance with Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence related to my account : 1 ) A summary of all account activities, including payments made, late charges, interest, dates of payments received and posted, as well as charges made and dates of charges posted.

2 ) Copies of all documents and financial instruments utilized for the disputed late payments.

3 ) Copies of all charge slips, invoices, promissory notes, and any other documents verifying the existence of debt.

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and update ALL TO PAID ON TIME or remove them from my credit report. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this investigation within 30 days of receiving this letter.
Product: Debt collection

I've tried several times to have the creditors to remove the collections from my credit report as it's old and has been on sense XX/XX/2016the account was closed and charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card was opened by XXXX XXXX XXXX XXXX in XX/XX/XXXX. Fraudulent activity took place on the card for approximately {$130.00} in XX/XX/XXXX. Charges were disputed with XXXX XXXX XXXX XXXX and was assured that late payments / delinquencies etc would n't be reported on the credit history because of fraud on the account. 

Credit card charges in the form of late payment / delinquent account still continue to appear on the credit report even after more than 120 days. 

Investigations of the disputed account by all 3 credit bureaus namely Experian, XXXX and XXXX  suggest that the reporting is accurate and have n't corrected the situation. 

Since, the dispute with the credit bureaus have n't yielded much success the FICO score has dropped significantly resulting in denial of credit.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This AM I received a email from experian stating there was a dispute open for XX/XX/XXXX However I never asked XX/XX/XXXX to open a dispute against XX/XX/XXXX. The account that they opened a dispute against is a 100 % accurate account. I called Experian and they stated they claimed I contacted them and reported that account as fraud. Which is a complete un-true statement. I contacted them about a fraudXX/XX/XXXX that they have since rectified. However they only acknowledged one of those request and it took 2 times so I believe the confused the two. I was told that since it was opened under fraud it can not be canceled and I have to wait. So I asked for a manager and was not provided one. Experian need to cancel the dispute as I have active accounts withXX/XX/XXXX and this can interfere with them.
Product: Checking or savings account

Hello, I would like to report a serious and it seems like consistent and repeated accounts done by Marcus by Goldman Sachs online banking. I have XXXX online savings accounts ( XXXX joint ) and XXXX CD with them and all of a suddent earlier this week I got an email stating that the preferences on my account have changed and if I didn't make the change I should called them to notify. I called as I was worried that someone may have logged into my account and all of a suddent they tell me as they can no longer " verify '' my account with the telephone on the account ( which is still the same phone line and the line I used to called them ), they will need to lock my account and freeze all operations. In this process of the phone call, they asked for my name, DOB, last four of SSN, and secret word for proection/privacy that you create when you sign up for the account to verify my identity over the phone. They told me not to worry and that someone will be in contact 1-3 days.

I wait anxiously worrying about my funds as those are most of my savings and savings for my abroad wedding which I am leaving for next week. No call back no email - nothing. I called them again for more information today and they told me that my case has been " esclated '' and I need to send a notarized affidavit of identity to the address and the form has been mailed to my address which will take 7 days. Their website is not available/available for login abroad so I asked if there is a way for me to send the form today expedited and I was able to find a form online to do so. I rushed and spent extra {$30.00} to send the form as fast as I can to be arrived this Saturday so that my account could be unlocked and managed next week. 

My partner who has a joint account with me at Marcus calls today to take out some funds for the wedding and is told that he can not transfer anything as my account is locked and that until they review the affidavit which can take 7-10 days there is nothing they can do. I tell the situation of going abroad and wedding and nothing is being done. Again we are asked all these questions about our identity over the phone like last four SSN, DOB, and others to " identify '' us. I am speechless here in that when I am willing to provide more information and such there is nothing they can do to unlock my account and for me to gain access to these funds which I desperately need for the upcoming wedding next week before I leave the country. Any advice/help is appreciated. We probably talked to over 6 people over this week and many calls/chats to Marcus.
Product: Credit card or prepaid card

I have an Aspire credit card. Small credit limit but I ve used the card during a time my wife has faced serious health issues. I was late twice by a few hours as they have this XXXX EST CUTOFF on payment dates and had a large payment due. Aspire promised a {$75.00} credit if I made a payment of XXXX by XXXX. I made that large payment on XXXX and no credit given. 5 conversations now where I ve been promised the credit within 14 days from date of XXXX. I still have not received credit and do not believe I will receive. Thats wrong.
Product: Credit card or prepaid card

I purchased an extra firm mattress at XXXXXXXX XXXX  XXXX on XX/XX/XXXX, for {$1100.00} + taxes, fees, and delivery ; the mattress has a XXXX warranty for any manufacturing defects as it states on their return policy. I tried to start my refund process yesterday, XX/XX/XXXXXXXX XXXX XXXX XXXX, through their online customer service. 

I explained in detail that the mattress has a manufacturing issue and it keeps sinking. The representative asked for a picture of the problem. I explained that you can not observe the mattress sinking unless someone is lying down on it. He then responded that as per XXXXXXXX XXXX XXXXXXXX XXXX XXXX, the damage must be " visible '' for them to accept the return. 

However, on the purchase receipt on their website, there is no written statement that there has to be " VISIBLE '' damage for the product to be returned ; it ONLY states that there needs to be a manufacturing defect. The mattress was supposed to be EXTRA FIRM and it should not be sinking. In addition, I asked the representative to show me where in the policy it was written that there needs to be " visible damage '' and he said there was NOTHING that he can show me stating that there needs to be " visible damage '' but that it was company policy and there was nothing else that he could do. 

I tried to file a dispute online through my bank but it doesn't give me the option to report a problem maybe because it's from last year. 

The bottom line, the main problem here is that they are alleging that the policy states that the issue with the product must be visible. Ive attached a copy of the receipt which includes the policy, you can see that there is no mention of visible damage. Lastly, the manufacturer issue is UNBEARABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion and XXXX, and XXXX, I have inquires from places that I know I didn't apply to cause I have bad credit so it wasn't any reason for me to apply so I called them and ask them would they removed them because I am a victim of inquiry fraud. 
They have not .so I'm telling everyone out there that it is some fraudulent stuff involved at these credit beureas..
Product: Vehicle loan or lease

Hello, I agreed to pay the balance owed on my auto loan after it was in a charge off status in exchange for the negative account being removed from my credit reports. Creditor did not uphold their end of the bargain as the account is still reporting on my credit reports, which is damaging my ability to obtain new credit due to my lowered credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I have been contacted XXXX XXXX XXXX many times concerning my original contract with the company. I surrendered a vehicle on my own will, known as an XXXXXXXX XXXX XXXXo date XX/XX/2021 the car has yet to be sold. It is my intention to pay-off the remaining balance for the vehicle once sold, as I was verbally told by the company that this would be possible so my credit report would not show a large charge-off. When I made contact with the company as of XX/XX/2021 I was told that a report was made to all three credit bureaus showing the payment to be 180 ( + ) days late. I request your assistance in this matter, as this information is incorrect and I am trying to act in good faith here to resolve this matter correctly, as to not destroy my personal credit.
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries/account. XXXX and remove them. 
15 U.S.C 1681 Wrongfully added/Incorrect spelling personal information : 1 name. 1address. 1number 1dob XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/92 Charge off ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX US Dept of Education : XXXX XXXX  ; XXXX XXXX XXXX and XXXX XXXX XXXX  Inquiry ; XXXX XXXX XXXX
Product: Checking or savings account

My employer opened an HSA account on my behalf to supplement my HDHI ; I make bi-weekly contributions directly from my paycheck into said account. Verified identity on XX/XX/2020 w/ HSA Bank via customer service rep ( on phone ), submitted required documents via e-mail form sent by rep. I set up my online banking, ordered my debit card, & added my wife as an authorized user. On XX/XX/2020, checked my online banking w/ HSA Bank to confirm funds were available to pay for an upcoming XXXX  procedure on XX/XX/2020 ; funds showed a {$0.00} balance, instead of the {$600.00} that should have been available. Description of debit listed " Excess cash disbursement ''. Upon calling HSA Bank, I was told that my account had been closed due to failure to submit required identifying documentation. I was also told that 2 letters had been mailed to me prior to closure. ( I have received nothing of the kind, just my debit card & my monthly statement ). Also, there were no messages in my online banking inbox. I told the rep that I had submitted these docs via e-mail, & that obviously someone had received it, as I was able to activate my debit card, set up online banking, change my mailing address AND add my wife as a user. They recommended I call back the next morning & speak to the Operations department, as I had the successfully sent email in my Sent fold on Outlook still. I did call back on XX/XX/2020, & was told " Oh, we found the form you sent, it's taken care of ''. We will issue a stop payment on the outbound check & put your funds back into your account. You will see them by XX/XX/2020, at the latest. '' As of XX/XX/2020, I have not received my {$600.00} back into my HSA ; I received the check issued on XX/XX/2020, call HSA Bank today, & was told the check was void & they were still working on putting the funds back into my account. THIS IS TOTALLY UNACCEPTABLE ; I did have my XXXX procedure on XX/XX/2020 & had no way to utilize MY MONEY that was set aside specifically for this need. There was no error or oversight on my part, HSA Bank has negligently handled not only my personal information ( a copy of my driver license & social security card, along with my signature ) but my money that I entrusted them to keep sound. I still have no timeline as to when I will receive my {$600.00} back, & no explanation or theory as to why my personal information was not handled properly or competently.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report with TRANSUNION. I noticed inquiries on my credit report that i did not authorize, that are no connected to any account on my credit report by the following banks. XXXXXXXX XXXX XXXX inquiry date XXXXXXXX XXXX XXXX XXXX inquiry date XXXXXXXX XXXX XXXX inquiry date XXXX XXXXXXXX XXXX XXXX XXXX XXXX  inquiry date XXXXXXXX XXXX XXXX XXXX  Finance inquiry date XXXX XXXX. XXXX. According to 15 USC 6802 ( a ) A financial institution shall not disclose to other agency an account number similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent no instructions for any inquiries to be allowed to report to TRANSUNION Credit Bureau. Please verify all in written letter. According to 18 USC 2028 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has committed Aggravated Identity Theft which is a crime according to 18 USC 2028. Please remove all inquiries on my credit Report with TRANSUNION
Product: Credit card

Obtained a zero interest promotional from Rooms To Go serviced by Synchrony Bank. I have incurred late fees and interest charges every month since the inception of the loan despite regular early and timely payments. I have had to spend between 45 minutes to an hour and a half every month to have the charges reversed. Based on my numerous discussions with customer service representatives, the fees occur due to the " timing '' of the payment processing and their systemic limitations to process early payments. In order to avoid fees I have doubled payments in some months, changed my bill submission dates.. etc ... I am unable to avoid the fees no matter what I do unless I call in and escalate to multiple supervisors. I simply do not have the time to dedicate to reversing the fees every month. This month I have a balance of more than 10 % of the original loan value. I do not know if they will waive it. I have grown fatigued with calling in every month.
Product: Debt collection

Collection company did not make any attempt to notify me of the debt. I would have not known about it if I would have not checked my credit report. I called the collection company and they did not even give me the option to dispute the charge, they told me I had to pay the balance to get it off my credit report
Product: Debt collection

To Whom It May Concern, I am writi

ng to formally dispute the validity of a collection account that has recently appeared on my credit report. The account in question is listed as 5058 with a current balance of {$470.00}, and it is negatively impacting my credit score. Upon reviewing my credit report, I discovered this account, which I believe to be fraudulent and inaccurately reported. I have never entered into any contractual agreement with Online Collections GRVL nor have I ever received any services or goods from them.

I am requesting a thorough investigation into this matter to verify the accuracy of the reported information. Please provide me with the following details : Verification of the debt, including the original creditor 's name and contact information.

Proof of any contractual agreement or documentation that supports the validity of this debt.

Documentation showing that the collection agency has the legal right to collect this debt.

Furthermore, I would like to bring to your attention that under the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate information on my credit report. The presence of this fraudulent account is damaging my creditworthiness and could potentially affect my ability to obtain credit in the future.

I kindly request that this matter be resolved promptly. Please investigate this dispute and remove the fraudulent account from my credit report as soon as possible. I also request that you provide me with a written response detailing the results of your investigation. 



Thank you for your immediate attention to this matter. I look forward to your prompt response.