23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There is an outstanding amount owed for a debt that is not mine. The name of the company is called Transworld Systems. This is fraud. We have talked to Transworld Systems and they should be sending a fraud packet.
Product: Credit reporting or other personal consumer reports

I took this line of credit out in 2022 with " XXXX XXXX '' aka XXXX. A critical part of XXXX 's advertising was " no credit check '' and no harm to your score, also indicating there was no reporting to the bureaus ( positive or negative ). 

I have paid off this loan several times over the life I've had the line of credit and maintained a positive payment history for more than a year, none of which was ever reported to the bureaus for my own personal credit gain. 

While I had a hardship at the end of the year, I missed my payment to XXXX. To my surprise, despite their misleading advertising, XXXX has reported my late payment to Experian, causing a XXXX point drop in damage to my personal credit. The real kicker is they didn't report all the other positive payments and have opted to violate FCRA by incorrectly reporting payment a complete history. 

During my hardship, I also reached out to XXXX to inquire about no accrual for interest and I was informed they never stop charging interest, even in times of hardship. 

As a federally regulated bank, XXXX XXXX diva XXXX needs to follow guidance of putting loans into a nonaccrual after 90 days.
Product: Money transfer, virtual currency, or money service

Illegally holding my funds for 180 days (6 months). 
Total amount is $XXXX. Contacted multiple times and never got a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized businesses on my credit report. XXXX na XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA stated purpose is to ensure fair and accurate reporting about consumers. One of the requirements is that the consumer reporting agencies follow reasonable procedures to ensure " maximum possible accuracy '' of information in consumer reports. Experian has not done its due diligence in the reinvestigation of several accounts on my credit file and I have sent notices disputing the completeness and accuracy of these tradelines. They continue to come back verified with no method of verification and no account level documentation. Experian does not require the furnishers to prove that these accounts are in fact complete and accurate. This is a defamation of character! Experian is harming my reputation through the use of words which is also know as libel. They have published false statements of " fact '' about me, published incomplete and inaccurate information to my credit file, acted negligently and ruined my reputation. I have tried numerous occasions to resolve this without involving the courts but that will be my next step.
Product: Debt collection

On XX/XX/2018 american medical collection agency called at XXXXXXXX XXXX I called them back at XXXXXXXX XXXX discussed account stated my spouse would be calling to pay the debt. I was told by the man on the phone ( didn't get his name because he kept talking so fast couldn't understand and was currently at work ) that my account would be put in a protected status for 7 days for my spouse to have time to pay. second call from the same company came at XXXXXXXX XXXX about the SAME acct. when my spouse called to pay as I stated she would she questioned their business practices as she also works in collections and knows that I had already addressed the payment so why was there a SECOND call in the SAME day. They said I hadn't auth her to speak to them EVEN though I stated she would be calling and they didn't ask for any further information. She asked to speak to a supervisor who then stated the same thing no auth to speak to her because what she wanted to speak about was the TWO calls in the same day on the SAME matter. I have a copy of the call log if needed
Product: Checking or savings account

My bank is XXXX XXXX XXXX. On XX/XX/XXXX, I went online to request a USPS change of address. As expected I was asked to put my card details to be charged {$1.00}. Few minutes after I realized I got charged {$99.00} instead of {$1.00}. I went back online and found out I got scammed on a fraudulent website imitating the USPS website. I called my bank same time to dispute the transaction. I got a credit the following week. I received an email asking for documentation. I submitted a statement as a reply to the email. On XXXX, XXXX I realized the credit they had given me got reversed without any communication to me via email, phone or mail. I called multiple times to find out why and to ask for a resolution but on multiple occasions whoever I speak with tells me different story and hang up the phone on me. The name of the transaction was CHANGEOF MY MAILADDRES. The incorrect spelling is enough proof that its indeed a scam. Also everyone in the US know USPS dont charge {$99.00} to change address. I explained all this in details in my statement but they still rejected my claim without any communication. They rather asking for a correct receipt from USPS when I cant provide that since the transaction wasnt with USPS but a fraudulent website
Product: Credit reporting or other personal consumer reports

-- -Did not authorize the inquiries to be present on your report and you would like to have them removed -- -- below acct XXXXXXXX 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, credit repair services, or other personal consumer reports

I have recently noticed I have been a victim of identity theft, someone has stolen my information and has used it unlawfully without my permission and knowledge. The following is my official statement. On XX/XX/XXXX My information was used to open an account with XXXX I have not authorized this account nor did I know about this account. This account and two other opened on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX are also results of my identity being stolen. These accounts where opened by the thief and used by the thief leaving me with the burden of paying them back however these are opened due to identity theft.
Product: Debt collection

On XX/XX/XXXX, Second Round Llp, filed a civil suit at my local court regarding a debt in the amount of XXXX. I have not received correspondence from this company validating this debt. Second Round LLP buys old debt and tries to collect. I get robocalls all the time but not sure if it is from them since no company information is given. I do not even know what this debt is for. I sent correspondence on XX/XX/XXXX for immediate validation of this debt. They have also put a negative remark on my credit
Product: Credit reporting or other personal consumer reports

I am extremely frustrated with the ongoing inaccuracies on my credit report. Despite my repeated efforts to have these errors corrected, my requests continue to be ignored, and my credit score is suffering unfairly as a result. This is completely unacceptable.
Product: Credit reporting or other personal consumer reports

This evening, I was stunned to find inaccurate accounts appearing on my credit report, and I have no idea how they got there. When I did my routine credit check, these discrepancies just showed up out of nowhere. I even refreshed my browser, thinking it might be a glitch, but the errors persisted. Im deeply disappointed and ask that the documents Ive submitted be carefully reviewed to ensure this never happens again.
Product: Credit card

I applied for the Marriott XXXX XXXX credit card which is issued by Chase in XXXX, XXXX. On XX/XX/XXXX I was issued a decline letter stating that I was declined for the following reasons : Not enough accounts opened long enough to establish a credit history ; Insufficient or no balance in Chase deposit and/or investment accounts. 

There is clearly a mistake because I am on 7 Chase business checking and savings accounts, 6 Chase personal checking and savings accounts, 2 Chase business credit card accounts, and 2 Chase investment accounts. Also, I currently have multiple credit card offers from Chase that are apparently " Pre-Approved. '' I have been a Chase customer for many years so for them to say that I don't have any investment accounts is completely not true.

They also said I don't have enough accounts opened long enough to establish a credit history. This also is not true. I am XXXX XXXX XXXX, and my credit score is well above XXXX and my first credit was given to me at the age of XXXX. I have a home with a mortgage that was purchased in XXXX, and I have financed numerous automobiles, including one that I purchased for {$80000.00} in XXXX. So again, for them to say I don't have enough credit established is completely false. 

I inquired about my credit report with XXXX, per the denial letter that Chase sent to me. I found out that a credit inquiry was not even performed. That's right, there is no inquiry from Chase bank or anyone else for that matter. As a matter of fact, the last inquiry was in XXXX of XXXX when I financed a new automobile. 

I am very disappointed in Chase because of the lies shown on the denial letter. The fact is they never checked my credit report. This is very alarming, and I can only wonder how many other people this has happened to.
Product: Credit reporting, credit repair services, 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. 
XXXX  Account # XXXX, has violated my rights. 

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
Product: Debt collection

XXXX XXXX XXXX as a US Department of HHS covered entity improperly shared information with a third party about my medical/dental debt and services to ( Amer Assist ) A/R Solutions Inc. regarding XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX  XXXX notice to customers is attached. 

FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The account can not and has not been validated nor the original contract provided legally without violating XXXX. My previous disputes with the CRAs ( XXXX, XXXX, and XXXX ) have been ignored to date. 

Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts supporting reporting the continued unlawful reporting of private consumer information. 

The account has not been validated after request and no XXXX release has been provided to me for any of the medical debt and reporting of dental services. The XXXX privacy rule requires a " business associate '' ( collection agency or billing firm ) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications. XXXX Regulations, the Privacy Rule requires an Associate to enter into a partner contract containing specific requirements with an Associate prior to the disclosure of XXXX, as set forth in, but not limited to, Title 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations ( CFR ). 

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of title 15, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, XXXX said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. Cease and desist all communication and collection attempts of collecting an unlawful debt by US mail.
Product: Credit card or prepaid card

pnc bank denied my pnc points visa credit card application with no negatives on my XXXX  report with an good credit score XXXX base off usa population a XXXX credit score is considered good and no risk factor not only did i already had current years of loans paid off auto loans never late, current loans being paid ontime, and have credit card being paid ontime i am not new to credit and i disagree with the denial letter and ask for reconsideration for an approval. i applied for the pnc because co-workers told me about how pnc bank is a good bank to start a long relationship with and so i applied and denied me of really no good reason to say i am a risk when i am not i feel ive been mistreated in the fair process and in reviewing other pnc credit cardholders reviews that they got approved with limited credit experience and lower credit score of XXXX i am dissapointed of the denial when i already establish enought credit for an approval in my opinion maybe pnc under writters are being more tengy on approvals because of covid-19 pademic even with my profile of years on ontime payments, no lates ever, i already shown i can handle credit and deserve an approval.
Product: Credit card or prepaid card

According to Capital One they said that I have a cease and desist attached to my account ending in XXXX for a balance of XXXX I do not know who put the cease and desist attached to my account but I did not so to me this is fraud tampering with my account I called them to try to settle this account but they said they couldn't talk to me unless I removed the cease and desist off my account and in order to do that they would need to contact me through mail and phone I told them they can contact me through mail but not by phone and they said they couldnt help me unless i give them permission to contact me by phone and mail. I refused but they insisted so I hung up
Product: Checking or savings account

Hello, my Citi bank account was emptied out by fraud and i opened a dispute claim with the bank and they denied my claim saying that our review, which determined the disputed transactions were not fraudulent and you benefited from the transactions. I think this is a discrimination against Armenians because they already got sued for that, I am attaching the denied letter and all the transactions that were done by fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Advantage XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX provided an incorrect information on the background report contacting the wrong Company XXXX  for verification on XX/XX/2022. placing that my education tittle was refused causing delays on my starting day of work. 

This wrong process is holding my future employer to starting me on the new job. 
The Education reference from XXXXXXXX XXXX XXXX XXXXXXXX for my XXXX  diploma on XXXX XXXX XXXX XXXX XXXX XXXX XXXX has to be collect from The Department of education of XXXX. 

Missing and information not provided because they are calling to a different place that is not the right place for the XXXX de XXXX XXXX. 
I'm including the XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the list of the close institution and request transcriptions, however i am providing them as a support of my education to be correct ASAP. 

must call to the Department of Education in XXXX XXXX for XXXX XXXX XXXX XXXX, XXXX XXXX PR XXXX EMail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Credits and XXXX showed under my original birth name XXXX XXXX XXXX XXXX that was changed legally XXXX  years ago to XXXX XXXX XXXX and all the federal and state ID at up to date with the changes.
Product: Credit card

I purchased XXXX drinks with a beach vendor in XXXX. I was charged {$870.00}. I immediately called Bank of America to open a fraud claim. They denied it on XX/XX/XXXX. I called again and opened another claim. They denied it again on XX/XX/XXXX. The bank told me that the vendor had proven that I had approved the purchase, but it was not my signature and I'm sure if they were to actually look at the receipt it would be very obvious that it was a scam. XXXX drinks obviously do not cost {$870.00}. I did not sign for it. I can not file a police report because it was in XXXX and the police are aware of the scam and do not take it seriously. Bank of America has denied my claim XXXX times now and wont give me any reason as to why they have denied it. They have send me XXXX identical denial letters that give me XXXX information or address my rebuttals at all. I would like a copy of the receipt or at least a copy of my signature. If BoA looked at either of those things it would be very obvious it was not me. I also submitted a complaint with the Consumer Protection Agency on XX/XX/03 ( id : XXXX ) and today XXXX, BoA sent me another identical denial letter. I refuse to accept this.
Product: Debt collection

Three years ago on XX/XX/XXXX my son was taken to XXXX XXXX XXXX XXXX ( cuaf # XXXX ) due to an injury incurred in a Baseball game. Once in the emergency room, the insurance information was collected, copay was paid, we were instructed that the league insurance was going to cover any outstanding balances as he was covered by the team league insurance. Come to find out on XX/XX/XXXX, this balance was never covered and on my credit report. I had not received any statement or notice on this debt before this reporting on my credit. This recently showed up in XXXX on my credit report. On XX/XX/XXXX, I called to make sure to settle the debt and get it taken off my report, and I would find a way to fix with league from three years ago. I recorded the conversation ( and my financial advisor XXXX XXXX with XXXX XXXX where he stated, " It will be taken off the credit report once the debt has been settled and paid in full. '' He also stated that a letter would be mailed to me stating that the debt was paid in full and the credit companies were notified to remove this debt from my credit report. He made it clear that he could not email me such notification or letter on behalf of the agency. I was told this could take 2-6 weeks before I would see it removed. I had been checking on my credit reports and no change had been made. I called approximately on XX/XX/XXXX ( XXXX weeks XXXX, XX/XX/XXXX ( 4 weeks ) and XX/XX/XXXX ( 7 weeks ) as there was no follow thru. Each call was redundant information and never received the letter where it was even paid in full. In speaking to XXXX on XX/XX/XXXX, I come to find out that no such letter had been sent at all and for 20 minutes they had me on hold with various excuses until finally they were able to email me a letter ( when initially they said they could not generate an email ). I had to constantly be calling back as they said it would take 10 minutes, then an hour, then 30 minutes each time I called until I finally received the email stating only that the account had been paid in full and nothing with regard to removing it from my credit report which was agreed on from the start. He also stated in this call that he was going to contact the credit agencies and it would take 10 days for it to be removed. Again, this was supposed to have been done from the beginning on XX/XX/XXXX. Here we are XX/XX/XXXX and still the debt is on my credit report 8 weeks later. We spoke to XXXX XXXX again today ( XX/XX/XXXX ), he asked again for another week to take care of the issue ( every call I have had with this agency it was always another week, another week, more run around ), I asked to speak to his supervisor and he stated, " His boss does not take calls and does not have an email we could reach out to. '' He also stated that I had three years to take care of this debt, which is not true. I was unaware this even existed.
Product: Credit card or prepaid card

There are 2 unauthorized purchases on my XXXX credit card ending in XXXX. I can't get perfect details on either since the credit card online portal does not seem to be working ( error message attached ), but older of the two charges is from XXXX around XX/XX/2022 for {$1400.00}, and the later one is from XXXX 's around XX/XX/2022 for {$290.00}. Please help me open up disputes for both unauthorized charges. I have not received any good from either merchant or made these purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding inaccurate information in my credit report. I believe that this information is in violation of the Fair Credit Reporting Act ( FCRA ) and I am seeking its removal.Currently, it seems the CRA 's are trying to wrongfully initiate more disputes, when I have instructed them to remove the inaccurate and erroneous information. 

The information in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is incorrect and has been removed from the XXXX of XXXX CRA 's. Transunion is the only CRA still reporting this inaccurate information. They continue to perform illegal disputes and investigations without providing any information. 

As you are aware, the FCRA requires credit reporting agencies ( CRAs ) to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports. Specifically, Section 623 of the FCRA requires CRAs to maintain reasonable procedures to ensure the accuracy of the information in their credit reports, as well as to reinvestigate consumer disputes if the consumer provides new information ( 623 ( a ) ( 1 ) and ( b ) ). Furnishers of credit information are also required to provide complete and accurate information to CRAs ( 623 ( a ) ( 2 ) ). Furthermore, CRAs are required to delete information that is outdated, incorrect, or can not be verified ( 623 ( c ) ). 

In light of these requirements, I demand that the negative information in question be removed from my credit report immediately. I have already taken steps to dispute the accuracy of this information with the credit reporting agency, but to no avail. I believe that this information is damaging to my credit standing and I am entitled to a fair and accurate credit report under the FCRA. 

I also would like to bring to your attention that I have also reviewed my rights under Section 609 of the FCRA, which requires credit reporting agencies to provide consumers with a notice of their rights when they receive a copy of their credit report. This notice must include information about the consumer 's right to dispute errors in their credit report and to request a credit score. Section 611 of the FCRA requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. Section 615 of the FCRA requires CRAs to follow reasonable procedures to ensure the accuracy of the information in their credit reports. 

I kindly request that you take immediate action to investigate this matter and to remove the inaccurate information from my credit report as soon as possible. I look forward to hearing back from you regarding the resolution of this matter. 

Thank you for your time and attention to this matter.