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

I filed bankruptcy in XXXX XXXX  XXXX and put this car on it. During my bankruptcy Ive paid off the car within the bankruptcy. The final dispersement payment was on XX/XX/XXXX for {$110.00}. They said the only payments they have received were that 1 and 2 more leaving my balance at XXXX XXXX and some change. I have court documents of like 20-30 checks dispersed to the company. They told me they gotten only 2 checks. I have court documents that say they received all payments for the car and there is nothing left in my bankruptcy trustee account because they've gotten the money. All I want is for the information to be corrected on my credit report before I have to call my lawyers back up. The company is known for crooked tactics by the XXXX  they have like a 2 star rating for good business. They told me the car is up for repossession and it's paid off which is the craziest thing Ive heard iny life.
Product: Money transfer, virtual currency, or money service

I have XXXX XXXX as XXXX my first one is I had to unauthorized transactions that came to my account so I called customer service and she Told me that I had to wait for the transaction to complete then I can dispute them, I understand that but because I was still asking questions she would just ignore them and keep telling me theres no other information she can give me I completely understand but I was trying to voice my opinion an the situation and I was telling her I work hard for my money and needed that money that was took off my account I was just trying to get her to explain why I had to wait for it to. XXXX because thats why I was calling soon as I XXXX that the XXXX transactions came XXXX I needed Her to explain to me why couldnt the just put my money back since the money hasnt been sent to them and she just slept ignoring what I was asking her! And she closed chat in my face Now Ive been using cash app for a long time matter of fact I almost everything I do I have my customers pay straight threw cash app Ive never had any problems with yall and love using your business app but I dont like treated as if I was bothering them I work hard for my money and I who ever Im using for my transactions I want them to focus on me about my money and answer every question I got until I understand whats going on I dont want to be dismissed like XXXX XXXX it their problem and then end chat in my face someone else come after and did the same thing to me I guess Im gon na just use my bank now on at least they take time to listen to me no matter how how many questions I ask!! Its my money and Im want cash app to treat me and my money that Im trusting them to keep it safe like were important not some bum off the street! Im so XXXX XXXX trom the disrespect I was shown
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

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

There is a fraudulent collection account reporting on my credit. I DONT HAVE DEBT FROM XXXX UNIVERSITY. Upon contacting XXXX university, they have someone else 's name linked to my social, and they are continuing to report this debt even though its NOT MINE. I have filed a dispute with the bureaus and attached a police report and a federal trade commission report and despite my assertations that this debt/loan was taken out under false pretenses using my social and someone else 's name, they are continuing to report this account.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Several listed accounts have incorrect reporting, amounts, and dates.
Product: Debt collection

I am writing to file a complaint against [ TRANSWORLD SYSTEM INC ] on the consumer finance website. The complaint is related to a debt that I do not believe is valid and the collection activities of the company have caused me significant distress and frustration. 

The alleged debt in question is related to a rental car toll notice that was opened in my name. The agreement was opened with [ XXXX XXXX XXXX XXXX XXXX XXXX and had a charge of $ [ {$5.00} ] ( original amount ). I do not dispute this account, but I dispute the amount of the debt that is being claimed by [ TRANSWORLD SYSTEMS INC ]. The amount being claimed by [ TRANSWORLD SYSTEMS INC ] is $ [ {$110.00} ], which is significantly higher than the amount that I believe I owe. 

I first became aware of the alleged debt in [ XXXX XXXX XXXX XXXX XXXX, XXXX  ] when I received a letter from [ XXXX XXXX XXXX XXXX XXXX ] stating that I owed $ [ XXXX ]. I immediately contacted [ XXXX XXXX ] to request more information about the debt and to request validation of the debt. I provided [ XXXX XXXX ] with a written request for validation of the debt on [ XX/XX/XXXX  ], but I did not receive any response from [ XXXXXXXX XXXX XXXX  ]. 

Despite my request for validation of the debt, I continued to receive frequent calls and letters from [ TRANSWORLD SYSTEMS INC ]. The representatives of the company were often aggressive and threatening in their communication with me, which caused me significant distress and XXXX. I attempted to explain my concerns to the representatives of the company, but they were dismissive of my concerns and did not provide me with any additional information or assistance. 

I also attempted to contact [ XXXX XXXX XXXX XXXX to obtain more information about the alleged debt, but they were unable to provide me with any additional information as the account had been sold to [ TRANSWORLD SYSTEMS INC ] . 

I am filing this complaint to request that [ TRANSWORLD SYSTEMS INC ] provide me with validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I would like to request that [ TRANSWORLD SYSTEMS INC ] provide me with the following information : The amount of the debt and how it was calculated The name and address of the original creditor A copy of the agreement with my signature Proof that [ TRANSWORLD SYSTEMS INC LLC ] is authorized to collect this debt I would also like to request that [ TRANSWORLD SYSTEMS INC LLC ] cease all collection activities until such time as they have provided me with the requested validation. 

I would appreciate a response to this complaint within 30 days of your receipt of this letter. If I do not receive a response within this time frame, I will consider this debt to be invalid and unenforceable.
Product: Debt collection

On XX/XX/2020 I contacted Afni Inc via certified mail regarding two violations they made. The bill was in the amount of {$1000.00} therefor I sent them an invoice in the amount of {$2000.00}.
Product: Debt collection

The company is called Convergent Outs. They called at XXXX XXXX  on XX/XX/23. They did not leave a message. My phone flagged it as a suspected scammer. The number they called from was ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX ) XXXX,
Product: Mortgage

I had a mortgage with Citizen 's Bank. I sold the house and closed on XX/XX/XXXX. IN good faith, I paid the mortgage for XXXX thinking it was close to the due date. It is now XX/XX/XXXX and they still won't refund me for the mortgage payment, escrow monies, etc. After charging prohibitive fees to tell the title company how much was owed, they sent the check ( ostensibly ) to the wrong address. All my official, formal documents including the post office change of address is for my Maine address. I paid nearly {$300.00} in closing fees and none of that covered them doing their due diligence in where my refund should be sent?? I have called about 20 times. I called today and was sent to three people. The last one just hung up on me. This is an inept and CORRUPT bank. I also sent a snail mail letter and I get nothing in response. This is criminal. I am owed more than {$3000.00} and it is nearly two months past closing. When you call the bank, it is a XXXX minute wait where they pound you with a message that all your problems can be solved by downloading their app.
Product: Credit card or prepaid card

I applied for the Citibank XXXX XXXX card in XX/XX/2018 and used a special code that was sent via mail advertisement to my house. This was to obtain the promotional offer of XXXX bonus XXXX XXXX miles if I spend {$3000.00} within 90 days of opening the account. I fulfilled my spending requirement, however Citibank refuses to credit any more than their basic bonus of XXXX miles. Citibank owes me XXXX miles but will not credit my account unless I produce the original advertisement literature which I have thrown away already. I did not expect Citibank to fail to honor their promotion or I would have retained that evidence. I just want Citibank to honor their agreement and credit me XXXX miles to my XXXX XXXX account and this will be resolved. I should not be held responsible for Citibank 's application malfunction or internal website problems.
Product: Credit reporting or other personal consumer reports

I am writing to formally refile a complaint regarding serious inaccuracies present in my LVNV FUNDING credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported account not adequately verified, and the inaccurate information persists. 
Background : I discovered discrepancies in my LVNV FUNDING credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the account in question not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602, have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy.

Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for XXXX XXXX : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant account verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge LVNV FUNDING to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. CREDIT ACCEPTANCE CO The creditor replied they would remove the disputed item but the bureau is still reporting the information.
Product: Credit card or prepaid card

On XX/XX/XXXX, a check XXXX ( check advance ) for {$920.00} was processed against my account that I never received, signed or approved. My account is set up for automatic payments, but my account had a XXXX  balance for many months. I noticed this charge in XX/XX/XXXX, and immediately called them to report on XX/XX/XXXX. The claim number is XXXX. They closed my card and sent me a new immediately and advised me that they would take care of this. I made several calls to ask about this investigation, asked to speak to a supervisor ; was told a supervisor would call me back and that the fraud department would take care of it. Being a long standing customer since XXXX, I never doubted the bank would not protect me. After hearing nothing from Citi, I called back in early XXXX and was told that my claim was closed. I never received any written correspondence about my claim from Citi, which I believe under a bank regulation they are required to do. 

If Citi bank reviews their call-in records they will see the numerous calls I made. In addition, I requested a copy of the fraudulent check and was told that they could not provide. I do not understand why, if there is fraud on my account the bank should prove to me the signature on the check, because it is not mine. 

On XX/XX/XXXX, I called them again and was told my claim was closed and they stated they opened a new case. I asked for a new claim number and the representative advised they could not give me one and someone would call me back in 10 days, I received no phone, and no correspondence. 

This bank needs to be investigated for unfair, deceptive practices because they are unwilling to assist me in this fraudulent cash advance check that was transferred to someone I do not know or is affiliated with. In addition, I believe the bank is waiting for the the 90 days to be up, so can tell me they can not assist and have no recourse. If they are doing this to me they must be doing the same to many customers. It is up to the bank to protect me, I immediately reported this crime, have not used my account in months. 

The bank is required by law to investigate and remove any fraudulent charges from my account. I requested Citi Bank to stop any sending checks before any of this occurred. 

I have continued to make my auto-payments because I do not want to ruin my credit, but this automatic payment is not an acceptance of this fraudulent check.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i have attached a copy of my report to this complaint on the following dates ( XXXX XXXX  and XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Payday loan, title loan, or personal loan

Paid off an Installment Loan for a Boat with TCF on XX/XX/2020, at TCF Bank, XXXX - XXXX XXXX XXXX. XXXX, XXXX XXXX, MI XXXX, and received a receipt for this payoff with the accounts ending 4 digits of the account. This loan was formally through Chemical Bank which was absorbed by TCF Bank of recent. TCF is a very difficult bank to get through to, long waits and it is difficult to get to the right person when attempting to make contact with them. Even the bank personnel complain of the same issues of waiting up to one ( 1 ) hour online. I am now receiving Statements saying I have monthly payments due aloing with late fees/assessments stating that I have missed a payment ( s ). Along with receiving statements from TCF, I am also receiving Late Fee Notices from their collections  department. They do not know where my payment went to? When attempting to call I get different answers from different people, but no real solution to the problem. I would like my payment in full made to the bank recognized by the Bank. My concern is this matter will unnecessarily be reported to a credit bureau and then I will have to waste my time to unravel that as well and I don't want I or my wifes excellent credit to be placed in jepordy. We should not be receiving continual Statements or notices from TCF Bank. What I am looking for TCF to do is to properly credit this loan account with the monies provided to  them on XX/XX/2020, provide me with a letter stating this loan has been paid in full as of XX/XX/2020, provide a written apology advising me of the bank 's error and ensuring me that nothing will mistakenly be passed on to or recorded with any or all credit bureaus or agencies causing any detrimental harm in any way against our excellent credit and providing me with a full release/payoff document that can be recorded with the title of this vessel so the same can be filed and revised on the title of the vessel with the State of MI, Secretary of State.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX multiple times regarding my credit report. Example today XXXX I advised them - Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4. They responded less than a hour and stated- they will leave information on my credit report. XXXX does not give me the option to dispute using correct reasons, I have to use different reasons that don't apply to my situation because it does not allow me. I disputed with them multiple times due to incorrect balances and how they are STILL reporting charge off accounts as current. Law 15 usc 168 ( e ) B to remove charge off from credit report. I also informed them charge off are only reported ONCE not monthly. That is inaccurate and I informed them of that as well. They decided to keep the same information and also advised me that they will keep it on my account as well. That is inaccurate. I called them 3 months prior about removing personal information when asked about removing my employer I was informed that I couldn't even though I no longer work at that employer and haven't worked for that employer in almost XXXX years. I need XXXX to do their Jobs correctly and to also update and remove ALL collections because I did not give them permission to report. I also informed them the information they are reporting is inaccurate which has to be removed.Below I can show you they are still reporting charge off each month when its inaccurate and I advised charge off only reports once it has to be REMOVED once its reporting inaccurate. Also I reached out to XXXX XXXX VERBALLY and informed them how they were not allowed to report information and how it needs to be removed because they were reporting as charge off they send a letter confirming they will STILL report charge off monthly.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX - XXXX - This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( TD BANK USA/TARGETCRED XXXX ), has violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that 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. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.