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

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX  and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting or other personal consumer reports

Transworld Systems Inc. ( TSI ) has engaged in fraudulent debt collection practices, re-aging of debts, misreporting of accounts, and systematic violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite multiple disputes, TSI has failed to correct false reporting, attempted to collect on unenforceable debts, and used deceptive practices to coerce payments.

TSI has committed the following violations : Illegally Re-Aging Debts to Extend Collections Beyond the Statutory Limit Transworld has reported time-barred debts as new on credit reports, violating 15 U.S.C. 1681c ( a ) under the FCRA, which restricts reporting of debts older than seven years.

By altering the delinquency dates, TSI has misrepresented old debts as recent, extending their negative impact on consumer credit scores.

Reporting Debts That Were Already Settled or Discharged TSI has knowingly continued to report debts that were legally settled, paid, or discharged in XXXX. 

This practice misleads lenders and harms consumers financially. 


Failure to Validate Debt Upon Consumer Request TSI has ignored debt validation requests, violating 15 U.S.C. 1692g ( b ) of the FDCPA, which requires debt collectors to cease collection until verification is provided. Instead of verifying debts, TSI has continued collection attempts, damaging consumer credit profiles.

Fraudulent & Coercive Debt Collection Practices Consumers have been pressured into making payments on disputed or time-barred debts through misleading communications.

TSI has misrepresented the legal enforceability of certain debts, falsely stating they could result in lawsuits when they were beyond the statute of limitations. Failure to Conduct a Proper Investigation of Disputed Accounts When consumers filed formal disputes regarding inaccuracies, TSI failed to conduct a re
asonable investigation, violating 15 U.S.C. 1681i ( a ) under the FCRA.

Instead of providing documentation, TSI has repeatedly verified inaccurate accounts without proper review.

Supporting Evidence : Credit reports showing re-aged and invalid debts.

Debt validation requests ignored, violating FDCPA regulations.

Correspondence documenting Transworlds failure to investigate disputed debts.

Consumer complaints proving systematic misreporting and unlawful collection practices.

Harm & Damages : Negative Credit Score Impact caused
by falsely reported delinquencies.

Denial of Mortgage, Loan, and Credit Opportunities due to fraudulent reporting.

Financial Losses from paying debts that were already settled or unenforceable.

Emotional Distress & Harassment from unlawful collection practices.
Product: Debt collection

Called XXXX, XXXX on XXXX/XXXX/XXXX, on or about XXXX XXXX, to report XXXX payment will be late do to circumstances beyond our control and that payment will be made on or before XXXX XXXX, XXXX. I asked that the missed payment not be reported to the credit bureau. I asked for discretion in this matter. The agent stated that by law, the missed payment must be reported. I disagreed and asked to speak to a supervisor. A person came on the line that was extremely belligerent, argumentative and unkind. He spoke over me and scoffed at the idea of good customer service. I questioned whether he was a supervisor because of his demeanor and asked for his name. He said his name was XXXX and then he spelled his last name as " XXXX-XXXX-XXXX-XXXX-XXXX-XXXX '' Essentially, he told me to XXXX XXXX. He threatened to liquidate my home for the missed payment because he said the missed payment indicated I could not afford to repay the loan, so they would have to take the house. I indicated that since we have been in the Loan modification progam, this was the first missed payment. He said he did not care. I asked that the missed payment not be reported because we will be making the payment soon. He said it was a federal law that it had to be reported. I asked what law was that. He said I had to do my own research. Mean while he was yelling and very hostile and talking over me. He also was very offensive. I would like the recording reviewed and he be dealt with appropriately. I would also like an apology for the offensive behavior. Further, I would like the reporting to the credit bureau of the missed XXXX payment waived. The payment will be made on or about XXXX XXXX, XXXX. There is a discrepancy with the wages the payment will be made from and we will not have access to it until on or about XXXX XXXX, XXXX.
Product: Mortgage

To Whom it May Concern : Re : Discrimination by US Bank Due to ethnicity, age, sex, or disability My name is XXXX XXXX my Home equity loan # XXXX Loan application date XX/XX/year> It is clear that U.S. Bank Corp has persistently discriminated against certain customers due to their religious or political affiliation. This discrimination is unacceptable. U.S. Bank Corp must stop such behavior and align its business practices with the anti-discrimination policies that U.S. Bank Corp proclaims. 

In its public-facing statements, U.S. Bank Corp markets the companys professed openness and inclusivity. U.S. Bank Corp touts that it opposes discrimination in any form and promote an inclusive society where everyone feels welcomed, equal and included. Likewise, the banks Equal Opportunity, Anti-Discrimination and Anti-Harassment Statement promises : No form of discrimination, harassment, inappropriate or abusive conduct is tolerated by or against employees, customers, vendors, contractors or any other individuals who conduct business with U.S. Bank Corp. All employees, including managers and employees in non-managerial positions, are required to promote equal opportunity. 

This is far from the experience i received while applying for financing for a home equity loan from this banking institution. My loan application was unfairly processed and ultimately denied even though I met all the guideline required for this loan. I was asked by my loan officer certain alarming questions like my race and my sexual orientation these leading questions gave me some form of in-site as to the true nature and practices of this company through the line of questioning. 

I was not given a definitive answer as to why my loan was denied other than a made up guideline that was not associated with my initial pre qualification requirements to be approved for this loan. I met all the required guidelines outlined. it was only after i was questioned about my race was i denied a short time after.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -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 XXXXUntitled XXXX XXXX Subject has not satisfied debt. XXXX -Untitled XXXX XXXX  Subject has not satisfied debt. XXXX -XXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no such entry of record # XXXX from the United States Bankruptcy Court for this account in my name. 

I have certified documentation from the United Stated Bankruptcy Court that supports my dispute of this erroneous entry on my report. 

If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act )
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received an email with a code to verify a newly formed account for a company called Paxful, who I have never heard of. I looked up the company on the web and they are cryptocurrency broker of some type. 

The email stated to ignore the email if this was not me. But provided no instructions to help me contact the company so I could make sure someone is not stealing my identity or even assets to trade cryptocurrency. 

When I reached the website, it would only allow me to talk to a chat bot, who said I could get support by clicking a help button in the right corner of the screen, which didn't exist. This is likely because you'd have to log in to receive support. The AI bot, and the vast library of documentation did not include any way to contact somebody to mark my account compromised. 

They did mention they are available on XXXX, XXXX, and XXXX, so I logged into XXXX to submit a message and there was only an auto reply asking me to go to the website. I found an email address on the XXXX  XXXX  XXXX  which I tried to use to ask them to take my account down, and they sent back an auto reply asking me to log in and do a ticket differently. 

My complaint is that this company provides no service to people who may have been compromised and don't have an acccount. There's no public facing service, as the AI bot and the XXXX message were all sufficient in getting my request across. If the company is going to broker XXXX, they need to make consumer service available to the victims of the people using erroneous information to try and hold or buy assets under somebody else 's name. 

I provide a map of my user journey with this incident in the document below, please review attached document.
Product: Debt collection

Exeter finance has been threatened me with lawyers and call plenty of times to get resolve this a fraudently account they opend more then XXXX account in my name non consent withought my persmission now I work to get them off two credit agency so the are still trynabreport to equifax illegally and and open a nother account.
Product: Mortgage

I have made several calls to Wells Fargo to inquire about their FHA mortgage loan requirements explaining each time I called that I had a bankruptcy in 2011 and a shortsale 2 years ago in XXXX. I was told that their requirements were that two years needed to pass for approval. After I filled out the online application including all my personal and financial information the same person that had told me about the two years called me to tell me that the requirements for FHA loans are three years. I do n't feel this was done in error I feel that they will use my personal and financial information for their illegal purposes.
Product: Checking or savings account

Only XX/XX/XXXX My debit card and ID were stollen from my wallet. On XX/XX/XXXX These items were taken to a Chase bank where money was withdrawn from my savings account. I called the fraud and claims departments and put a freeze on my account. Only XX/XX/XXXX there was another withdrawal from my checking account. I called Chase because my account should have been frozen. They froze my savings account but not my checking. Both accounts can be accessed with my stollen debit card. I have two factor authentication set up on my account, I received the OTC from the bank when the withdrawal was made. Evidently a teller is giving someone cash from my account with only my debit card and ID and not visually verifying their identity or requiring a pin or actual 2 factor authentication. A teller has also given away my checking and savings account numbers.
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 XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$40.00} US DEPT ED XXXX XXXX : {$1500.00} US DEPT ED XXXX XXXX : {$4800.00} US DEPT ED XXXX XXXX : {$580.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX am disputing the term late payment from the creditor XXXX XXXX  on my Equifax report, I XXXX XXXX XXXX entered a consumer credit transaction with XXXX XXXX  on XX/XX/2008, due to this being a consumer credit transaction a finance charge was involved, XXXX XXXX code XXXX states the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So there shouldn't be any late payments due this being a finance charge because it was the SUM OF ALL CHARGES paid indirectly by my credit card.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE AUTO FINANCE, XXXX, XXXX, & XXXX is reporting late payments on account # XXXX. 

I have tried to settle this matter as of 2 years and CAPITAL ONE AUTO FINANCE or the CRA 's still has NOT updated the payment history and is in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, these agencies are in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 usc1681 ] 4. Violation of the Privacy Act of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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
Product: Credit reporting or other personal consumer reports

This morning, XX/XX/XXXX, at XXXX I received a text from Experian about my XXXX XXXX digital checking account. I do not have a XXXX XXXX  Checking account, or any banking accounts with Experian. I do have an account with them to monitor my credit, and to freeze my account- which I had done recently on XX/XX/XXXX. 
I also then noticed that at XXXX I got an email from Experian that my account information was changed. I tried to login to my account and reset my password and phone and text verification were never sent to my phone. When I clicked " forgot username '' it shows a partial email address that does not match my email address, and does not look like one that was ever mine. Someone hijacked my Experian account somehow. I immediately emailed the customer support email address, which got no response, so I have tried calling every Experian number I could find and going through their automated phone trees. Their phone bots appear to have absolutely no way to get to a human being, the end of every tree ends with instructions on how to do something online, or by mail. My account is seemingly actively being stolen right now and I can not speak to someone at Experian to stop it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit AcXXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 602 A. states I have a right to privacy.

15 U.S.C 604 A. Section 2 states a consumer reporting Agency can not furnish a account without my written instructions.

15 U.S.C 1666b A Creditor May not treat payment on a credit card account under open end consumer credit plan as late for any reason. 

These or the name of the Accounts. # 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 reporting, credit repair services, or other personal consumer reports

Bankruptcy reported on Equifax and XXXX credit report. I disputed the entries directly with each credit reporting agency. The credit bureau responded that the information was verified by XXXX XXXX, XX/XX/XXXX. However, I contacted XXXX XXXX and was advised that my file has been frozen since XX/XX/XXXX and no information has been verified. I also contacted US Bankruptcy Court and was notified that they do not do provide information to third parties. Therefore, I conclude that the response provided to me by the credit reporting agency has not been verified and is an automatic response. I have spoken with personnel at the US Bankruptcy Court and XXXX XXXX to confirm the accuracy of my conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shared an incorrect credit score with lenders, which affected my ability to qualify for a loan.
Product: Checking or savings account

On XX/XX/2021 at approximately XXXX, a checking account was opened without my authorization. 

I did not receive an email about this account until the morning of XX/XX/XXXX notifying me that my balance was XXXX on the new account.
Product: Credit reporting or other personal consumer reports

The problem I have is that there is information missing on my Experian credit report. My XXXX credit card does not show up on this report - I have had this account for over XXXX years. The information correctly shows up on my XXXX and XXXX credit reports. 

I have reached out to Experian a few times - I don't have every date of correspondence. At some point in XXXX, I mailed in pages of XXXX credit card statements, and my XXXX and XXXX credit reports correctly showing my information. I never heard back about this. I reached out via call on XX/XX/XXXX, back in XX/XX/XXXX, and again XX/XX/XXXX. Every time I reach out, they tell me there is nothing they can do because the onus is on XXXX to report that information to them. 

I have exhausted my options with XXXX- they insist that they report my information every month to all three credit bureaus ( which I am inclined to believe since the other XXXX credit agencies have my information correct ). Twice I have initiated an " investigation '' with XXXX. The investigation is supposed to lead to them reaching out to Experian and getting Experian to correct my information. I initiated this investigation with XXXX back in XX/XX/XXXX, and again on XX/XX/XXXX. I have never heard back about this. 

I have verified that my full name, address, and social security number are all correct with XXXX and Experian.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2022 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit reporting agency had a data breach which exposed my credit information. I have confirmed my credit information was involved in the breach, but I have not yet seen any illegal credit activity. I have frozen my credit at all three credit agencies. I am filing this report at the recommendation of XXXX XXXX XXXX ( not sure how XXXX XXXX XXXX is involved ).