23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Recently I submitted my complaint against TSI - Transworld Systems , Inc. Transworld responded by stating that they received a payment. I am not familiar with said alleged payment as that is not validation of the alleged debt that Transworld has reported to the credit bureaus. Providing a copy of an alleged payment does not validate that I am the responsible account holder for said debt. Therefore, updating my credit file " as paid '' is still not in accordance with the FCRA. If TSI claims to have the right to collect on and or update the status of this alleged debt on my credit file in accordance with the Fair Credit Reporting Act I am asking for FULL validation of this account via contractualdocuments stating and proving that I agreed to and that I am responsiblefor this account. There have not been any agreements baring my signature provided. Therefor, TSI has no  legal right to attempt to collect a debt and or report it to my credit file. TSI is in violation of the FCRA and the FCDPA.
Product: Checking or savings account

App updated and no longer shows balance after each individual transaction. Only shows current available balance and transaction history. On Saturday i went to XXXX and had XXXX available balance in my one account and XXXX in my spot me. After spending {$88.00} my account dropped to {$39.00}. When i call chime to explain money is missing they admit my transactions vs deposits dont line up and i am missing {$88.00} because my balance should have been XXXX instead of {$39.00}. They stated there is no transaction history of where this money went and they would escalate it. I still have had no response, no help, they hang up on me. And i have entire conversation that originally took place where they admit the money is just missing audio recorded on my phone and have proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize an inquiry by XXXX XXXX on my credit report and Experian shows an inquiry by XXXX XXXX on my personal credit file. Experian refuses to delete or allow me to dispute the inquiry. 

This is a conflict of interest. Experian allowed their client to check my credit. I did not authorize and did not provide anyone with my XXXX. 

I spoke with the following : XXXX Supervisor, Special Services - XXXX XXXX
Product: Credit reporting

on XXXX XXXX 2016 I requested for equifax to remove the following accounts XXXX # XXXX XXXX XXXX XXXX XXXX/2016.because according to the consumer credit reporting reform act of 2016, which state all negs, paid/settled accounts should not stay on a consumers credit report after 45 days after payments.attached to the request was XXXX XXXX for XXXX and XXXX for XXXX XXXX XXXX to show filed date.
Product: Mortgage

I received a settlement check from my homeowners insurer to settle a homeowners claim on XX/XX/XXXX in the amount of {$45000.00}. The check was made payable to me and my mortgage servicer at the time, XXXX. XXXX was holding the insurance claim funds in escrow pending completion of repairs. On XX/XX/XXXX, before repairs were completed, my mortgage including the insurance claim escrow account were transferred to a new servicer LoanCare LLC. I contacted LoanCare LLC on XX/XX/XXXX and spoke to XXXX XXXX who confirmed that LoanCare LLC received the insurance claim escrow account with a remaining balance of {$35000.00} ( some of the repairs were completed and paid from the escrow account before it was transferred to LoanCare LLC ). XXXX XXXX also advised me that once the mortgage is paid in full, the entire balance in the insurance claim escrow account would be released in the form of a flat disbursement to me. I have now sold the property in question and paid off the mortgage with LoanCare LLC in full on XX/XX/XXXX. I paid for pending repairs to the property with my own funds to avoid delay in closing on the sale of the property. I contacted LoanCare LLC on XX/XX/XXXX to request disbursement of the funds they were holding in the insurance claim escrow account and spoke to XXXX XXXX who informed me that LoanCare LLC WILL NOT disburse the funds in the account to me.
Product: Credit card or prepaid card

I have a sapphire credit card from chase bank that for no reason was blocked. I ordered a new one a week ago but never received it. I called them on multiple occasions but those who pick up calls maliciously refuse to send my new card and change intentionally my passcode. All calls are monitored and recorded, I want the Department of Justice and all federal agencies in charge of protecting financial consumers to take the matter in hands and give them maximum sentence.
Product: Checking or savings account

I filed a claim of fraud on the phone with " XXXX XXXX XXXX '' after detecting money being taken from my account out of state. I sent in every transaction that wasn't mine with dates on a form they mailed me. They just sent mail saying it was denied they don't believe it was fraud. I'm trying to take the next step in disputing again.
Product: Checking or savings account

Wells Fargo do not permits online access to my accounts XXXX XXXX XXXX. They try obligate me to go to a branch, but in XXXX XXXX do not exists Wells Fargo branch. I answered all security questions and information requests.
Product: Student loan

In XX/XX/2011, XXXX changed to Navient. They also changed my terms from an affordable payment which I was making, $ XXXX/mo. They increased my payment to over $ XXXX/mo. I told them I could afford that payment. At that time my principle balance was {$7000.00}. Last fall I contacted student aid ombudsman. They told me Navient would not make options available to me. The ombudsman did tell me I could refinance with a different servicer. Navient never told me that. I refinanced last month with XXXX. After all the interest and fees Navient charged me, the new principle is over {$16000.00}. I could have the loan PAID OFF by now. Navient lied to me to keep me in the loan. They also TRASHED my credit. Thanks for your reply
Product: Credit card

XXXX 's bank issued XXXX credit cards to e and my husband with XXXX different numbers. My complaint is related to my card. It appears there were issues related to payments on those cards and some confusion when payments made to my account were credited to my husband 's account which had no balance. In the beginning of XXXX I visited the local branch, talked to the customer service representative who told me that the problem would be resolved within XXXX to XXXX  days. Then I received a statement due on XX/XX/XXXX, with a balance that included {$320.00} of interest. It was to that particular statement that I visited the branch and got assurances that the problem would be resolved. Then I made instructions on line to pay the remaining balance ( i.e., balance of {$750.00} less XXXX, less {$12.00} credited to my husband 's account = XXXX {$730.00} ) on a due date of XX/XX/2023. That payment recorded under confirmation # XXXX was not deducted on that particular date ( i.e., yesterday, Tuesday ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is erroneously reporting an account as delinquent. This account was paid in full and never late. Please see the enclosed documents. 

XXXX  XXXX XXXX XXXXXXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Bankruptcy Filing Date XX/XX/2016 Docket XXXX, XXXX XXXX XXXX Date Opened XX/XX/2016 Balance {$0.00}, XXXX XXXX Date Opened XX/XX/2016 Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I have sent multiple complaints through CFPB and FTC but I don't see why these inquiries, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of this. 

ADMINISTRATION SERVICE XX/XX/XXXX ADMINISTRATION SERVICE XX/XX/XXXX ADMINISTRATION SERVICE XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX XXXX : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX and Experian. asking that they verify all of this negative account I also asked for proof of investigation, all agencies sent a copy of my credit report and no proof that these accounts belong to me. comparing all credit report all this account multiple inaccuracy and inconsistency between the three reports, so how is that these came back verified? no proof was of investigation was shown to me. XXXX placed a legislative freeze on my account which drop my credit score more than XXXX points i did not put a freeze on my credit file and it is very damaging to my credit I would like to have all of these collections deleted from my credit because I have never signed a contract with any of agency nor did I authorize any transaction with them. every single item on my XXXX Experian and XXXX is not reporting as not disputed when i have indeed disputed so I am attaching my credit report because it's a lot of accounts
Product: Credit reporting or other personal consumer reports

Asked Experian to verify the debt and I disputed their verification and means and no response. Also I verified the amounts and information as inaccurate the information was not deleted off my report it was updated per their standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank did not notify ( phone or mail ) that my account was negative. I called on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018 and three times I was told my account was current and not 30 days late. I was told I had to pay to the {$950.00} to bring my account current. {$950.00} is my monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found unauthorized inquiries on my report that i did not apply for i sent my FTC report to transunion.
Product: Money transfer, virtual currency, or money service

I loaded my debit card at XXXX the manager did the transaction the {$500.00} transaction went through but the {$70.00} transaction failed to go through they had me go back and talk to the manager the manager was the one Who done the transaction she told netspend that the transaction Went through on XXXX side Of the transmission but netspend has not put the money on my card.i have given them everything they ask for and more, but they ask for the same information over and over again. They have all the information on hand to return my money to my card
Product: Debt collection

I made a payment to delete the collection of {$XXXX} for bravo with the account # XXXX. I reached out to the company via phone and email and I have received no response and I am clearly getting impatient because I XXXX  rent a new apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for a credit card at a local veterinary hospital. I was denied. I received a letter from the inquiring bank telling me why I was turned down. 
Reasons given by bank from information from Trans Union : - Serious delq and public record or collection filed - Too few accounts rated current - % of balances to high credit on revolving accts - Number of accounts delinquent - Credit score : XXXX From XXXX XXXX : - Credit card use High - Payment History Stellar - Derogatory Remarks XXXX Bankruptcy - Credit age I am a veteran - Total Accounts Solid number of accounts - Credit score : XXXX There is a discrepancy between the two reports and I would like to know why. 

Thank you,,,,
Product: Debt collection

Statebridge LLC sent me a letter stating that I owe on a debt that was discharged in XXXX  XXXX bankruptcy and the lien was cancelled The debt was a 2nd mortgage that was turned into an unsecured debt of which was the original creditor XXXX also known as XXXX mortgage The bankruptcy was successfully completed in XXXX. I received this letter from Statebridge on XX/XX/XXXX. I responded with a handwritten letter and a copy of the court document of which it verifies the successful bankruptcy completion and lien cancellation. It was sent certified mail and they received it on XX/XX/XXXX The letter they sent stated I owed {$50000.00} principal plus {$100000.00} in interest and now on XX/XX/XXXX they sent me a mortgage statement stating I owe 14 years and 7 months of monthly payments totaling {$100000.00}. They stated that having the debt discharged in bankruptcy that they are sending the letter for informational purposes only and not trying to collect a debt but yet has a dollar amount stated
Product: Checking or savings account

Online access to my savings, checking, and credit card accounts was blocked by the company on XX/XX/2019. It has now been over two weeks since my online access was blocked. After multiple times contacting the company 's customer service, I was not given any information as to why the account was blocked, how to unblock the account, or how long the process would take. Each time I contacted the company, I was given a generic response to the effect of " someone will contact you '' and still have not been contacted by a bank representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

This debt came from XXXX, I had a contract for 18 months with 4 phones. I completed the 18 month contract in XX/XX/XXXX turned in all 4 phones through mail as asked by XXXX. Followed instructions from package they sent with label attached to send all equipment back to XXXX. All bills were paid in full and equipment returned, after XX/XX/XXXX I received a bill saying I owed over XXXX dollars for equipment. I refused to pay. I returned all equipment in the prepaid labeled package XXXX provided.
Product: Credit reporting or other personal consumer reports

Hi, can you help me please. It appears that the Credit Reporting Agencies are doing whatever they want with my credit despite the laws. They're clearly violating FCRA laws XXXX15 U.S.C. 1681e ( b ), 15 USC 1681ba2, 15 USC 1681a4. Please help me as this was removed from my credit report and reasserted as I have proof and will be providing such. My credit score just dropped XXXX points because of this damage and I want the CFPB to retrieve a {$1000.00} punitive damage payment on my behalf. All the while Experian and XXXX are reporting fraudulent personal information that they will not remove Account Name : XXXX XXXX Account Number : XXXX Wrong Name : XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX GA XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Wrong Employer : XXXX XXXX Wrong Employer : XXXX XXXX
Product: Debt collection

I requested the original creditor information that shows the debt was mine. I was told the original account was opened online. I requested documents and agreements with my signature and documents to show my identification to show it was me. Like my drivers license to show proof i opened this account. Also showing documents and agreements, for them to buy, sale and trade my personal information. And placing my personal information on sites that anyone can obtain or see without my permission.
Product: Credit reporting or other personal consumer reports

I previously disputed with Equifax directly as well as thru the CFPB website, regarding inaccurate information regarding my XXXX XXXX XXXX XXXX. I had returned my XXXX XXXX XXXX at the end of XX/XX/XXXX, purchased a XXXX XXXX, and the remainder of the lease was paid in full. My obligation per my lease agreement was satisfied. The balance that was owed to XXXX was for excess Mileage and taxes. I received a Statement from XXXX in XX/XX/XXXX, made 2 payments to XXXX. I called XXXX late XX/XX/XXXX or early XX/XX/XXXX to discuss payment options on XXXX. An agreement was made for me to pay {$1000.00} and the account would be closed. Which is what I did. There was Never a Late or Missed Payment. Equifax verified with XXXX that I never made a Late payment, and my Credit Report was updated to Reflect that. I received an updated Credit Report in the mail as well as seeing my Credit Report on my Online account. I thought what ever changes or updated Equifax would do, would generate everywhere. This did not happen.
Product: Mortgage

The original member of Suntrust bank, XXXX XXXX, retired and in her place XXXX XXXX XXXX took over her assignments. He was unprofessional. Upon his first contact, he called on a Saturday to introduce himself. He proceeded by assuming that what I needed was down payment assistance when in reality I needed financing. When I stepped in to correct him the stated for me to let him " finish '' and that the call was simply a " courtesy call '' as he did not work weekends. I was unable to give him much more information since he appeared not to care. 

Given the horrible call, I still held faith in Suntrust to move forward with my financing. I had received conflicting information between the lender and the county and asked for his help, which he did not provide. He never pre-approved me even when I had sent him all of my documents. He insisted that I send him a copy of my social security card via an unsecured email server, he would not move forward after multiple emails granting him authorization to proceed and run my credit given that there is still funding in the program. The last straw was that he asked me to call the county and see if there was funding. 

He was literally going in circles and stringing me along. Given that this program is for people who do not make a lot of money and do not have any other previous homes, he took advantage of me and my situation. This is unacceptable and now I do not have a financing and I lost my chance at owning the property I liked because this was going for more than a month!
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXXXXXX XXXX XXXX XXXX {$14000.00}
Product: Credit reporting or other personal consumer reports

I keep getting a denial decision for applying for credit from Chase Freedom. I have not applied and will not apply to them ... Keeps dropping my score and its low enough..
Product: Credit reporting or other personal consumer reports

I have recently look at my credit report and notice a couple of accounts thats not mine. I have came to the conclusion that Equifax and XXXX and XXXX Have been reporting this information please Remove and block from my consumer 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 XXXXXXXX please do whats fair and equitable to me as a consumer Please i ask if you can block and remove with in 3 business days
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to get my personal info corrected on  XXXX / XXXX /  XXXX   and  XXXX   XXXX  and have also called all  XXXX  of them on. Several occasions to get my personal information updated and inquiry 's removed. I keep getting the run around and they continue to report addresses that are not valid, work history that is invalid and continue to have more than one name associated with my account. Several of the inquiry 's are not valid and they tell me to call creditor ... .I sent creditors certified mail and they tell me they can not remove they credit bureau has to do it ... ..I am exhausted with the effort of trying to correct my reports from all   XXXX   major bureaus to no availe