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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account NumberXXXX and list of Inquiries. 

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed for identity theft with numerous accounts listed on my Transunion Credit Report. I never once permitted Transunion NOR the the furnisher to furnish my report, and after reporting the furnisher and fraudulent account to Transunion, Transunion denied the removal for the fraudulent inquiry and account from my credit report. This has not only caused a discrepancy in my name as attached to the standing of my credit score, but has also been a direct violation fo my rights for mishandling their 'reinvestigation '. My first step for communication with Transunion was on XX/XX/2022 when I called Transunion, and spoke with a representative explaining my situation, that a creditor, and debt collector, XXXX XXXX XXXX XXXX appeared on my credit report as a fraudulent inquiry. Transunion did NOT accept my request to remove the hard inquiry over their notification system, and instead referred me to XXXX to dispute the inquiry. I then called XXXX and spoke with a representative of which they did not find an account or record of my name in their system. After both attempts to remove the fraudulent inquires, and a fraudulent account - XXXX from my credit report, I then sent my filed FTC report made on XX/XX/2022 along with my proof of identity to Transunion to remove the fraudulent inquiries from my report. I was then sent a letter by Transunion saying theat they were unable to complete the request to dispute the information based on it being made in ERROR, or by misrepresenting material fact made based on the information I provided them. On multiple attempts, I have also not been able to directly access my OWN credit file online due to my account being 'suspended '. I am beyond frustrated, and am being violated by my own privacy and rights to exercise my rights a XXXX a consumer.
Product: Debt collection

I received a call last Sunday, XX/XX/2023 at XXXX XXXX. I received a call today Sunday XX/XX/2023 at XXXX. I don't answer numbers I'm not expecting or numbers I don't recognize. Especially on Sundays. Even more suspicious a voicemail wasn't left explaining reasons for the call. 
I believe because of my age XXXX XXXX XXXX, they think I can be easily scammed. Please help stop these unwanted, annoying calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Date Opened XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Money transfer, virtual currency, or money service

I initiated a bank to bank transfer from XXXX to Wells Fargo on XX/XX/XXXX. The money was debited on XX/XX/XXXX and XX/XX/XXXX, it still did not reflect. I called Wells Fargo and they told me that I can cancel. I cancelled and then called to XXXX to ask about timeline for returned funds. XXXX representative on XX/XX/XXXX told me that he sees that it was cancelled and it will take 1-5 business days to be returned. 

Today ( XX/XX/XXXX ) I called XXXX and they said they don't have any funds. Wells Fargo said they don't have any funds. {$6000.00} is missing from my account ( stolen practically ) and I was told to file some paperwork to dispute it by fax or mail. 

This is basically fraud committed by banks to steal someone's hard earned money.
Product: Debt collection

WE are not sure what this debt is or who its for or where it came from. It has been cleared from my credit report then reappears then I get it cleared then it reappears.. Its IC systems this time in the past it was XXXX  XXXX XXXX prior to that another collection agency they just keep selling it reporting it so on. They all demand money then offer want discounted settlements 80 % 90 % discount Its a fraudulent account.
Product: Checking or savings account

Went last XX/XX/XXXX to First Bank to make 2 transactions. First one was a cash payment of {$980.00} for a credit card balance. All fine. Second transaction was to make a cash deposit of {$1800.00} to my son 's savings ' account. Before going to the bank, like 2 hours before, I counted money twice. To pay credit card, got {$990.00} cash. For the savings deposit, I counted {$1800.00}. Put {$990.00} in my right pocket and {$1800.00} in my left pocket. First bank discontinued using deposit slips to fill for the transactions. I went to the desk were they usually had it but they had nothing there. So I went to the cashier. First transaction was ok. Second transaction, I gave her the money. She never asked how much was the amount. She went to the machine, counted money, made transaction, and gave me the receipt. Started walking to leave bank and noticed that the deposit was for {$830.00}, instead of the {$1800.00} I gave her. She stopped the operation and together with another employee, they counted all the cash that was inside her drawer. After maybe 5 to 7 minutes, they counted all and said to me that drawer had {$800.00} more than supposed. I told them that there were {$1000.00}. They said, " we counted {$800.00} so that's the amount I will credit you ''. Since it was cash and there was no way to identify the specific cash I gave the cashier, I accepted that. They gave me a new receipt with a deposit of {$1600.00}. 

I entered the account last XX/XX/XXXX to check balances and noticed that my son 's savings ' account had a lot more money less than supposed. I went to the bank to check what happened. They told me manager was going to call next day. Next day, XX/XX/XXXX, received a call from manager. She told me that they put on hold on the account to make an internal investigation were they see procedures, videos, etc, and they concluded that the extra {$800.00} didn't belong to my transaction because that amount came in a change of drawer from the previous teller. So, it's my point against theirs. Like I said to the manager, there were some irregular procedures made here and I insist I counted {$1800.00} twice and that was the amount of money given to the teller. I would like to get a neutral analysis for this case because I can't trust and don't believe that thing she told me. She even told that by looking at the cash given to the teller in the video, by her experience, she can tell if that's {$830.00} or {$1800.00}. I told her that it can't be determined by that appreciation because there could be XXXX {$100.00} dollar bills. The only thing that can convince me is that the video shows me giving her the money, and the machine says {$830.00} after counting it. What's finally determined, will be accepted. 

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

Equifax is reporting information on my credit file from a third party vendor and not the original creditor. By law a credit bureau can not report a third party vendor on anyone 's credit file
Product: Vehicle loan or lease

SST LOANS AKA SYSTEM TECHNOLOGIES as per XXXX XXXX in 2019 refuses to give me information I requested for a legal hearing. I submitted a complaint earlier this year. No response. SST IS A THIRD PARTY LOAN SERVICER I recently found out of XXXX XXXX. I even asked XXXX XXXX of XXXX XXXX  to advise XXXX XXXX to call me and fax info. 
XXXX XXXX attached is 1 of the proofs of a SST LOAN ON XXXX XXXX XXXX account that you claimed you did not have. There are at least 2 loans. I need copies of the titles issued at payoffs and signatures of persons making loans etc The XXXX XXXX XXXX  CAB TRUCKS ARE LISTED ON MY NCDMV. 
I recently obtained documents proving my claims from XXXX XXXX  finally Stated as XXXX or XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  nc XXXX. Auto pay loan 0n acct ending XXXX. I need all loan documents relating to all loans with my names originally attached for improper or fraud activity. 
Thank you
Product: Mortgage

As a mortgage debtor with my debt being serviced by the XXXX XXXX ditech subsidiary company, I have concerns for the ability of the XXXX XXXX to devote adequate resources to their public offering of service. I note XXXX chief executive officers during a 12 month period. I note a XXXX % -XXXX % decline in stock price. I note a current stock price near the XXXX value when the major stock exchanges would consider delisting of the stock. From my experience in accounting and finance fields I suspect that the XXXX XXXX may be in breach of some loan covenants. With the turn over of chief executives I suspect that the XXXX XXXX XXXX not be able to provide consistency in company conduct. Much of the ditech loan portfolio originated from XXXX. I view much of this portfolio as having the potential for sub-standard underwriting and for having defects in documentation, implying the probability of higher loan servicing costs for ditech. With the fourth CEO within a 12 month period of time and a record of substantial penalties paid to resolve the results of past business practices, I have concerns for the ability of ditech to operate its business.
Product: Debt collection

After numerous attempts to have the debt collector to remove my name from their files, and reporting negative information to the reporting credit bureaus, such as XXXX, XXXX and XXXX XXXX. The collection company named AFNI has harmed my reputation and harmed my credit worthiness. After the mutual agreement with the original company XXXX, I had established many years ago, concerning the equipment use and the incurring fees and charges, would be established by tenants who remained in use of XXXX 's services and use of their equipment. XXXX was fully in compliance with such agreement. Years later I 've been notified, by AFNI that I owe them in a disclosed amount. I have repeatedly with unsuccessful attempts to dispute these claims by AFNI, with not positive results. I am therefore ; calling for a thorough investigation into the practices of the company named in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$69.00}, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to request verification of a debt under the Fair Debt Collection Practices Act ( FDCPA ). I have recently been contacted by your office regarding a debt that you claim I owe.This debt was originally disputed over 7 years ago and they sold the debt again to ANOTHER debt company. The debt is only {$100.00} and Under the FDCPA, I have the right to request validation of this debt. 

Please provide me with the following information : XXXX. The amount of the debt. 
XXXX. The name of the creditor to whom the debt is owed. 
XXXX. The date of the original debt. 
XXXX. Copies of any agreements or contracts that I have signed that give rise to the debt. 
XXXX. Verification that you are licensed to collect debts in my state. 
XXXX. Verification of when the debt was sent to collections originally XXXX. Verification that the account is still OPEN I am requesting that you provide this information in writing to the address listed above. Until this information is provided, I am requesting that you cease any further contact with me regarding this debt. 

Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2016 I went to XXXX XXXX for XXXX XXXX XXXX  under my chin. I was told about the program at that point 1 session was done. When that session was over I inquired why I still had the grey hairs on my chin I was told XXXX or remove black hairs, and for the grey hairs I would have to purchase another plan on top of this plan I advised agent no I do not want to do that because as you can see 90 % of the hair on my chin are grey, so when I advised her she is now trying to get more money from me know it would not work I want to cancel the contract and pay for services that was just rendered. I was told I would get a call to make that payment she could not take it. About 2 weeks later I got that call to make a payment for {$130.00} and I paid it never received no more calls then about 6 months later started to reflect on my credit for 5 years I have been contacting them with no response then they sold it to XXXX XXXX. This has ruined my credit for 5 plus years, and this is very unfair that companies play these games. That is how I know they got the cancellation I was contacted that 1 time paid and never contacted again they just sold it to collection agency. Having facial issues like this is very depressing, and I thought this would be good, but they gave me fraud information to get more money.
Product: Debt collection

on XX/XX/2021 I request in writing a certified mail Domestic return receipt validations of debt letter not a request for verification or proof of my mailing address, but a request for validation made pursuant of the above name title and section respectfully request your office National Credit Adjusters to provide me with competent evidence such as original contract interest rate disclosure payment history something that I have any legal obligation to pay you National Credit Adjusters if your office fails to respond to this validation request within 30days from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report /credit file and a copy of such deletion request shall be sent to me immediately. National Credit Adjusters did not remove nor sent me a copy of such deletion should've been sent to me immediately associated with the above-mentioned have grossly violated section 809 & 15 USC 1692g of the FDCPA This account hasn't been Validation my Name is also spelled wrong look at my consumer file it stayed I made payment I didn't this account was a charge off never received 1099C NOTHING they did not respond within the 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX used a bait and switch tactic to trick me into paperless billing in order to save costs on paper and postage. There should not be a popup that asks the question in deceptive way. I never remember opting out of paper billing. THe end result is that I did not pay my minimum for two months. When I found out through a telephone call, I immediatley paid the amount due and the late fees assessed. I asked that my credit report be corrected as I have never missed a payment or defaulted on an amount owed in my XXXX  years. I also explained that I needed paper billing due to a memory condition that I could validate with a letter from my XXXX. They still refused to remove the late payment, which is destroying my credit rating and has caused me to pay a higher rate on a recent mortgage that I applied for. The paperless billing pop ups are deceptive and misleading and are worded in a pay that infers the saving of natural resources. They do not pose the question obviously as a yes or no.
Product: Money transfer, virtual currency, or money service

Money was sent to incorrect user on Zelle due to misleading information and my bank will not assist with giving me my money back and protect my account
Product: Debt collection

Today XX/XX/XXXX, I realized my XXXX  membership was deactivated as I got a new debit card late XXXX, XXXX, early XX/XX/XXXX. My XXXX  membership was not renewed as it was an auto-pay. I went to check my credit score and noticed my credit score significantly dropped and found a charge that was not related and or familiar to me. Torres Credit Service XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. Act Grid Code XXXX XXXX XXXX balance date : XX/XX/XXXX ; balance {$830.00}. All of which is not mine. Please help me in removing this item from my report ( s ). Thank you. I have left messages for Torres with no response.
Product: Debt collection

CREDIT MANAGEMENT LP repeatedly calls asking for my personal information. I'm not going to give or verify my personal information to a stranger. I have repeatedly told them to stop calling me. I have never opened an account with this company. This company reports in a legend that I owe a total of {$1.00}, XXXX for XXXX separate accounts ( $ XXXX ). Email the last representative I spoke to, I asked him why do I need to verify information if I don't even know who he is and why he's asking for the information. He never disclosed the reason for the car. He only stated that's what she says her world fell apart the company name and then asked me to verify my address. Subsequently, my credit score has dropped significantly. I don't want my address shared with CREDIT MANAGEMENT LP. There was no address/email to link to this company.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding inaccurate and misleading information and fraudulent activity being reported on my credit file by [ XXXX, XXXX, and Equifax ] concerning child support obligations. These errors are causing significant harm to my credit profile and financial standing.
Product: Debt collection

Associate Credit Services , Inc. contacted me to pay a XXXX XXXX balance that I had forgotten about and they told me that I can pay a portion at the time and be all set. They did not however tell me that they will keep reporting to the credit bureau that I am delinquent until the remaining balance is paid in full. They ceased all communication attempts since then - about four or five years now. Now that I can monitor my credit report, I found out about it and I took the initiative to call them. They only had an answering machine where you can leave a message. I went to their website and tried to pull my information in order to pay online, but the portal showed the following : Creditor Name : XXXX XXXX Account Balance : {$0.00} Amount Paid : {$0.00} There's no way to resolve this but they keep on damaging my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi this complaint is being filed to bring awareness of violations the three credit reporting agencies continue to do when dealing with my credit report. I have my full credit file I ordered recently and I see a erronmous amount of inaccuracies and fraudulent accounts. There is also previous addresses that are in no way associated with me at all. I started my journey to get this corrected by filing a police report and sending a affidavit to the 3 major credit reporting agencies XXXX, Transunion, and XXXX. I realized I was a victim of identity theft when I started crazy calls about accounts that needed payment and I had no clue existed. Not only have the credit reporting agencies lied to me stating that the accounts or information is verified when per 15 USC 1692 ( g ) Validation of Debts the law clearly states validation comes directly from me a " person ''. I know its a money game and they get paid to put accounts just anywhere even when federal law says they have to gain my written consent per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion allowed a collections on my credit report that does not belong to me. The collections for {$140.00} from XXXX does not belong to me and is fraud. I have never had any involvement with such company. I would like for it to be removed my credit report. I reported to Transunion that my identity had been stolen within the last 3.5 years. I had not received any communications from that company named XXXX regarding this debt. Also, it has been difficult to contact an agent at Transunion to dispute this collections because they are not taking phone calls and I was unable to dispute online. That account that was placed on my credit report reads that the account was opened XX/XX/2019 and that was not me. Also, XX/XX/2019, was less than a year and I was not sent any prior communications from that company XXXX regarding such collections. And the date of that medical collections date is just 6 months ago and does not provide apt time for anyone to receive communications, dispute, and pay. However, I did not receive any communications and only knew of such collections due to an alert that I received.