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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX Direct/Email : XXXX XX/XX/2024 XXXX REQUEST/ CEASE AND DESIST SENT VIA XXXX MAIL & EMAIL ( XXXX XXXX : Collection Hunter XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL. XXXX RE : XXXX XXXX XXXX # XXXX Dear Sirs/Madam : I recently received a debt collection notice from your office. A copy is attached for your review. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this pursuant to 15 USC 1692g. Please supply me with a copy of all contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. I formally request the cancellation of the 1099-C debt issued by XXXX XXXX who XXXX, purportedly transferred to XXXX XXXX XXXX XXXX This request is made in accordance with the relevant provisions of the XXXX XXXX XXXX and applicable regulations. A copy of all charge-offs documentation including 1099-C forms. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, pursuant to 15 USC 1692c I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose : Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Lastly, please forward the requested information to the address listed above within XXXX ( XXXX ) business days from the date of this letter. I would like you to confirm your company is not on the federal bad debt collector list. 

Thank you for your prompt attention to this matter. 

Kindly, XXXX XXXX XXXX By : ____________________________________ XXXX XXXX XXXX, XXXX, CC : CFPB
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), including Transworld Systems Inc. ( XXXX ), I set up payment arrangements with XXXX and XXXX ( the same entity ) and met my payment obligations. The debt was initially for USD XXXX, and I made payments totaling over USD XXXX ; additionally, my Federal Income Tax Refund for XXXX was garnished at USD XXXX. 

XXXX alleges I still owe USD XXXX and has reported their error to all three credit reporting companies of XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy showing on my Experian credit report about 5 times each time Experian avoids validating the bankruptcy once they stated the information was from US Bankruptcy counts I contacted the courts and I have Proof attached that they DID NOT provide this information to Experian ... XXXXI also received a copy of my credit report where Experian states the source of the bankruptcy is XXXX XXXX I have enclosed proof from XXXX XXXX that the bankruptcy not come from them ... .Experian closed my previous dispute I file on your website by stating the information appeared not to be from me although I provide my photo Id with address and supporting documentation this is Experian way of not complaining .... 
Enclosed letter from bankruptcy courts Letter from XXXX XXXX Photo ID Copy of credit Report Previous dispute documents
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

All accounts listed below have violated my rights Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section USC 1681 section 602 A states I have a right to privacy Section USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions Section USC 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following forms of information any other adverse item information other than records of convictions of crimes Section USC 1681s-2 ( A ) ( 1 ) 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 Section USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Product: Debt collection

I disputed this incorrect information being placed on my credit report for the past XXXX years. I told them the address that link to that account is not my address. I sent a copy of my drivers license to XXXX and they never removed the incorrect information from my credit report file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance Owed : {$610.00} XXXX  XXXX XXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$7200.00} XXXX  XXXX Balance Owed : {$3000.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX  XXXX Balance Owed : {$3400.00}
Product: Debt collection

This company did not check with person living at the address associated with this collection they were given a deposit but did not give credit on the account for the deposit..A family member lived at the address and is no longer in contact with the family..I would like to receive confirmation from XXXX XXXX  that they took the deposit off the total of the bill and they didnt charge the proper price for the XXXX..They have a class action lawsuit against them regarding their XXXX prices i can not afford to pay this bill living on XXXX and if they could send proof of my identity they took before opening up the account that would be great a copy they have of my drivers license or social security card something they accepted when opening the account and a reason why the bill is so high for a few months..And give a complete from start date to end date..
Product: Debt collection

Credence Resource Management LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Amount Owed : {$170.00} Account Number : XXXX I'm writing to inform you that at the moment I don't want to pay for this so I refuse. Please cease and desist all communication and Thank you for reaching out.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I received money from my sister in XXXX and went to collect it I was told by the agent that I was blocked from all transactions with Money Gram.
Product: Credit reporting or other personal consumer reports

Below are the inaccurate accounts I found listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have a XXXX XXXX XXXX credit card which was administered by XXXX  XXXX XXXX. A couple of months ago, Comenity Bank apparently purchased the XXXX card from XXXX  XXXX XXXX and it seems I was supposed to get a new card and account number in the mail last month. However, I did not receive anything at all, and attempts to log into my account failed because the XXXX  info was no longer valid. 

The first contact I received from Comenity was a bill in the mail this month, which advised me that there was now a late charge on my account because of a missed payment. Bear in mind that I couldn't have made a payment anyway because I didn't have the new account number, and even on this late notice they didn't display the account number ( it was masked with asterisks except for the last XXXX digits ). I tried calling to resolve these issues, and after dealing with long holds, department transfers and even complete disconnections from the line, today I finally reached someone named XXXX. I was told they could not remove the late charge because the account had been closed in XXXX of 2017. That date obviously made no sense but that's what she said the record showed. I told her that while navigating their phone tree, I had indicated I wanted to speak to someone about making a payment and closing the account but I had never gotten the chance to do so and it appears their system did it automatically ( and assigned a date of XX/XX/2017 as the closing date for some reason ). 

At this point, I assume the account is actually closed but I don't know that for certain. I would like to confirm that and I was like to be reimbursed for the late charge they assessed since none of this was my fault. Thank you for your time.
Product: Money transfer, virtual currency, or money service

This involves XXXXXXXX XXXX XXXX  and Wells Fargo bank that everything happened. I got a remote part time job offer from a company called XXXX XXXX who indicated that XXXX XXXX XXXX products and get paid through commissions. The HR said that they found my resume online and sent out the offer. I went through the XXXX day training with a trainer called XXXX on XXXX and the company link was forwarded to me to create an account and begin work. At the end of the training and getting started with work, I was able to withdraw my commission on the same day. The next day I logged in as usual and started my task but couldnt continue because I experienced something called advanced task which was new to me and it was explained that for advanced tasks, youll have to remit the payment to get your task done and then withdraw your down payment and commission at the end of the day. The advanced task came with a higher commission and the customer service personnel confirmed that it was not likely for someone to encounter advanced task as they came with higher commission and until you remit the payment, you cant proceed to complete the task and get paid. I complied and got done with the task and was able to withdraw my commission together with the funds I added. Fast forward the next day, it happened again, and I was stuck so I did the usual of adding funds in hopes to get it back at the end of the day but the amount was huge close to {$1500.00} so I had to find ways to remit that and complete the task. Also, all funds transactions were done through purchasing crypto currencies to make payments and to withdraw funds from the job pay. That is how XXXX, crypto.com and strike came as a suggestion from my trainer and the customer service representative. There is also a XXXX group for us where we share encounters and ideas concerning the job. I remitted the payment and it happened over and over again that my account was locked and I couldnt withdraw any money because they asked me to pay {$14000.00} after having my money of about {$15000.00} locked up. I had to borrow from friends to get through the task hoping to get the money back at the end of the day but I later realized that it was fraudulent because they started blaming me for causing errors in withdrawal process. I contacted Wells Fargo, XXXX, and crypto.com but they are not providing any positive feedback and strike app had my account closed. Wells Fargo opened a claim but it was denied and closed. I really need help getting these funds back to pay back all my debts. To add up, I also did a wire transfer through Wells Fargo and the company happens to be in Florida according to my trainer who sent me a picture of herself and kids stating that she had worked on the job for XXXX.
Product: Checking or savings account

My account was charged a numerous amount of different transactions without my authorization. I filed a police report after being denied claims from my bank ( santander ). They told me i was denied because the person who took the transactions out of my account gave them documentation that they had my email address and mobile number. They took all of my funds and left my account on XXXX which is starting to add up because of overdrafted fees. I have never gave anyone permission to take a consecutive number of transactions out of my bank account ten transactions all different amounts. I have been banking with this bank for three years I trusted they would get to the bottom of this and they simply told me was not their problem, that it is my responsibility to protect my own account. I am a single mother of twins Ive had to borrow money from family members co workers in order to pay my bills. I was working a 9 hour shift when the transactions started to take place. I didnt notice until it was too late for the bank to stop this person from stealing from me. I filed a police report and the officer told me filing a report wouldnt help much. Im unsure of my next step Santander bank has the worst customer service each representative told me it was my fault.
Product: Debt collection

Notice, it is a Fact, that, I agent for principal XXXX, XXXX and XXXX, I am federally protected consumer, holder in due course, attorney, for any and all derivatives thereof for the surname/given name XXXX, XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will autograph for my given name XXXX, XXXX and as the agent and administrator in fact. 



Notice, it is a Fact, that, unless SYNCHRONY BANK can provide a policy or state law which shows that the aforementioned policy and state law supersedes federal law, I hereby invoice the law of presumption and invoke federal law in to address the subject matter in affidavit herein. 



Notice, it is a Fact, affiant is aware, documentary evidence pursuant to XXXX XXXX XXXX includes all documents, papers, correspondence, books of account, and financial and corporate records which invoice all derives, assignees, hypothecations in connection with my all-caps name. I require this clarification in order to address the billing error for the amount shown in this statement in Exhibit ( A ). I need clarity who funded the account and how much is owed according to the journal and ledger entries from the date of open of this account as described in XXXX Publication XXXX. 



Notice, it is a Fact, affiant is aware with resolving this billing error the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to XXXX XXXX XXXX ( XXXX ). 



Notice, it is a Fact, affiant is aware, SYNCHRONY BANK as the creditor may not collect any disputed amount, I the consumer and affiant, does not need to pay, the creditor can not restrict, accelerate payment or close an account and make or threaten any adverse reporting to any person about the consumer standing without resolving the billing error. Such actions by SYNCHRONY BANK will forfeit its right to collect the disputed amount as described in XXXX XXXX XXXX ( XXXX ) and hold the creditor liable under XXXX XXXX XXXX for SYNCHRONY BANK pursuant to XXXX XXXX XXXX for failing to require documentary evidence as requested to clarify and revolve the previously addressed billing error.
Product: Debt collection

CFPB 1. USAA continues to lie to me and commit fraud. After talking to many tax attorneys, Certified Public Accountants, reviewing IRS documentation, and watching many videos on the subject it is clear to me that once a 1099-C is issue and a debt is forgiven or canceled the lender can not continue to attempt to collect money from the borrower ( double jeopardy ).

2. After the Great Depression the government passed many laws to protect the American people. After the Great Recession of 2008 the government again passed many laws to protect consumers and borrowers from predatory and unfair lending practices. Many were lost everything and were left homeless like myself. 

3. I had two loans with USAA. One Home Equity Loan ( HEL ) and one credit card loan. The home equity loan debt was resolved and settled by USAA in XXXX and a 1099-C was issued by the IRS. The credit card debt was resolved and settled by USAA in XXXX and a 1099-C was issued by the IRS. USAA has continued to try to make me pay for these cancelled and forgiven debts. 

4. In XX/XX/XXXX USAA said they had a right to change the 1099-C ( false and fraudulent act ) and demanded that I pay {$4600.00} to settle the debt. I did not know better so I paid them. Now they want me to pay the {$54000.00} for the HEL that was forgiven and cancelled in XXXX. 

5. USAA is committing fraud and unfairly taking advantage of veterans and their families. Ive tried to settle this with USAA for several months and they keep giving me false information and making illegal and unreasonable demands. They are in violation of Consumer Financial Protection Bureau ( CFPB ) and Fair Debt Collection Practices Act ( FDCPA ). 

6. I am providing copies of the 1099-Cs and other reference material that clearly explains the law and supports my position. Please take appropriate action against USAA and get them to refund me my {$4600.00} that I gave them when I did not know this debt had been forgiven, cancelled, and resolved by the IRS and USAA. 

V/r XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was with XXXX XXXX. I had this account over 15 years ago. The account was deleted from my credit report previously. However, it is reappearing on my credit report and they are refusing to remove it. They have sent it to collections. I have not had XXXX XXXX ( XXXX Bank ) since the early XXXX. My son was under XXXX years old when I had XXXX XXXX. He is now XXXX years old. How much longer will I have to deal with this?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX regarding XXXX unauthorized credit inquiries that appeared on my credit report. These inquiries, dated XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I highlighted the critical importance of safeguarding personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the seriousness of the issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and assist others who may face similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.

Its essential to understand that the name of a company must exactly match the name of the registrant as specified in its legal documents, such as articles of organization, articles of incorporation, certificates of formation, or charters. If the company name on a credit report or legal document does not precisely match the registered name, it may not be legally recognized as the same entity. This distinction is crucial because it can differentiate between a legally recognized organization and a nonexistent one, potentially invalidating contracts, disrupting the enforceability of agreements, and complicating legal proceedings. Ensuring the correct legal name is used, especially on consumer credit reports, is not just a formalityit is a fundamental legal requirement that protects the integrity of financial transactions and upholds consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX