23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I disputed this collection last month, after disputing this. It was taken off my credit report then re added to report. This collection isnt mine. Id like the harassment to stop.
Product: Debt collection

Hello, Information given from the paperwork i have from the XXXX district court, on XXXX XXXX, XXXX for the amount of {$3200.00}, {$3200.00}, and {$3200.00} all three ( 3 ) different accounts with the same credit card companies. Shermeta Law Group filed to garnish my wages and my state income taxes with properly doing so. Firstly, i wasnt properly served these documents personally they were served at my mothers house. After calling about these debts i was given attitude and disrespect and if i wasnt paying or trying to resolve some type of payment plan with them there wasnt much he could do to help me. I was also told that if they have to file garnishment i could lose my job as in big companies like XXXX doesnt like to see wages of their employees being garnished. Without notice my wages were garnished and i didnt find that info out till calling my jobs Payroll trying to verify info in applying for sub pay the was notified i guess for my reassurance that my pay was garnish from this company at 25 % then after finding out i went to file a Objection of Garnishment with the district court. In the mist of waiting for my court date i have found out that Shermeta Law Group is not licensed for business nor to collect in the state of Michigan or with the Secretary of State in Michigan therefore with my understanding they arent eligible to collect in debt in Michigan.. If possible please remove these accounts from all three ( 3 ) reporting credit reports immediately. 

Also i would like help with stopping motion of garnishment if issue is resolved. 

Thank you!
Product: Debt collection

To Whom it May Concern, I hope this correspondence finds you well. Last XXXX XXXX XXXX I received a letter from Transworld Systems stating that I owed XXXX {$1400.00} and had until XX/XX/XXXX to call or write to dispute the debt. I called them on XXXX to advise that I did not know what this debt was and had not received any other correspondence/bill from them or from XXXX. I asked if they had any additional information about this supposed outstanding bill and the only thing they could tell me was that it was from an account in XXXX. When I asked why I had not heard anything about it until now, they did not have an answer for me. So, I disputed the account with them on the phone that day ( XXXX ) and requested a validation letter/itemized bill for the amount requested. I was told that they needed to request that bill from XXXX and to check back with them in XXXX business days. I was also told that they would mail me a validation letter/itemized bill to the address they had on file, which was the same address as the initial letter they mailed me on XXXX. 

I called them again on XXXX to ask if there was any update as I had not received anything in the mail yet. They told me that I did not need to keep calling because I would receive a validation letter in the mail from them. However, I was concerned about something falling through the cracks and just wanted to keep double-checking out of concern of this hitting my credit report so I kept calling. I called again on XXXX and also XXXX and these phone calls were identical to the previous two calls. I was told the account was still in dispute and that they were still waiting to hear from XXXX before they could produce a validation letter. 

In doing some research throughout this time I found out that a debt collector is required by law to produce a validation letter/itemized bill and are required to do so within 30 days of originally requesting it. I originally requested this on XXXX. On my XXXX and XXXX calls with Transworld Systems Incorporated I indicated that this was way past the 30 day mark to produce a validation letter/itemized bill and wanted this debt collection attempt to be terminated. They told me that the only thing I could do was keep waiting. 

Subsequently, I found out on this past XXXX ( XXXX ) that this was reported to all credit bureaus resulting in a substantial derogatory mark and decrease in credit score/rating. I called Transworld Systems Incorporated earlier this morning ( XXXX ) stating that the account was in dispute and that I still had not received a validation letter/itemized bill and that this has now been reported to all three credit bureaus. They are still unable to tell me what the bill is even for. I requested this negative item be removed from all credit bureaus and this request was denied. This has been an extremely upsetting experience. I feel as though I went above and beyond to try and sort this out and that my rights were substantially violated. 

Attached is the only mailed correspondence I have received from Transworld Systems Incorporated, the original letter dated XXXX Regards, XXXX XXXX
Product: Debt collection

I will start off I have never even heard of Wakefield and Associates and have never received any information about this company. I got the information about them from my credit report. On XX/XX/XXXX I sent by XXXX Mail a verification/validation of Debt to Wakefield and Associates about an alleged medical debt they just sent to my credit report with no information to me over anything. Wrong information is on that alleged medical debt I viewed on my credit report, and I wanted to verify and validate that all information was legally correct. They failed to respond to my request which is a violation of the Fair Debt Collections Act ( FDCPA ) Section 809 Subsection A as it's now an entirely new year ( XXXX ) with no information still. I also requested a copy per HIPAA of my signature to disclose my personal medical information with a XXXX party. All of which was ignored by Wakefield and Associates. I have disputed this ding on my credit report as incorrect and obtained fraudulently through XXXX for them to respond with " Account information disputed by consumer, meets FCRA requirements '' which is false because they haven't even responded over months of trying to verify/validate this alleged collection. They are doing this illegally, and I want it removed from my credit report as they violated the FDCPA regulations by just ignoring me while I wait for nothing, and they keep dinging my credit report by saying " missed payment '' when I've never even heard of Wakefield and Associates until I sent that certified mail of verification of debt! They are supposed to stop posting on my credit report until I am able to verify the alleged debt, and they have just been posting and posting without following the FDCPA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Delete the following hard inquiries from my consumer report : XXXX via XXXX 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 I was not able to obtain personal AND BUSINESS CREDIT because of these inquries so I can sue for {$1000.00} in damages.

15 U.S. Code 1681n - Civil liability for willful noncompliance states : ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

These companies did not have written permission from me therefore there was no permissible purpose. 15 U.S. Code 1681b - Permissible purposes of consumer reports states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

Please Delete this XXXX line from credit reporting, Thank You. 

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 BANK XXXX, XXXX # XXXX Has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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: Checking or savings account

I have had my checking and savings account accessed by hackers on XXXX different occasions. I have spent XXXX hours on hold, in branches and speaking to wells fargo employees filing claims, changing bank account numbers and checking on status of my claims. I have truly been a victim and I had to do the majority of the work to rectify this situation. It is only today, after I received information that a debit card that I did not even receive, had been used to take out XXXX XXXX dollars after it was declined at a XXXX after being flagged. I never received the debit card, yet these individuals were able to take out that large amount of money. In my previous claims these same people opened a bank account attached to my primary account and racked up thousands of dollars of purchases, transfers and bill payments to accounts that I have no connection or am aware of. I have had to have online banking services disabled, not had a debit card for more than a month now, and nothing has been done to rectify this situation on Wells Fargo 's part. Only today, after several instances of fraud, is it now at an executive level of review. I am disappointed, tired, frustrated and angry. Banks are supposed to protect customers from this type of situation, but I have been a victim of it several times. The people breaking the law have accessed my accounts more than I have in the last month. It is truly disgusting. I have had good standing with this bank for close to 30 years, and this is how I am treated. Frauded several times with no resolution but to inconvenience me and cause me extreme distress.
Product: Debt collection

Lockhart, Morris, Mont is attempting to collect a debt for XXXX XXXX XXXX, company about three years ago did a partial install and called it complete home safety, which left more than half of my home unsecured. When questioned, I was told and additional fee was needed to complete home and its entirety. 

I was not happy with that arrangement and decided to decline future services by canceling by phone. I am requesting a verification and validation of this account along with a payment history since they claim I contracted out their services.
Product: Money transfer, virtual currency, or money service

Cash app. I was just using it like normal and was banned couldn't log back in to get my money. I'm a XXXX XXXX XXXX XXXX service member and I had to give my social security out to even get the problem looked at by the bot. Nothing happened and I was still banned
Product: Checking or savings account

I received a phone call from someone reporting to be with Bank of America. They asked if I was trying t open a new personal checking account which I was not. They then told me that someone knew my name, home address, email address and ss # and was attempting to open an checking account in my name. I received an email from this Bank of America person and then called my advisor at Merrill Lynch who verified that the call from Bank of America was legitimate. I am now taking measures recommended by my Merrill Lynch advisor by freezing my credit with all three credit reporting agencies, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of credit report. Sent letters to dispute items to bureaus on XX/XX/2021 and have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information remains on my consumer report despite filling the necessary documents to have all removed.
Product: Mortgage

the problem was XXXX XXXX XXXX sold my account to Carrington mortgage services.llc the deal that went down is what I can't understand, after Carrington services.llc brought the mortgage -they analyze my mortgage and found that some how I owe XXXX, coming from XXXX XXXX XXXX not paying for my ins . on my house, and I call XXXX XXXX XXXXXXXX and they said they made the last payment before they sold my account.so if XXXX XXXXXXXX XXXX did what they say did, who fault is that.they brought my account without analyzing the account they own that misstep.be mind as all this went down I was in bankruptcy. 


my transfer date was XXXX I want to know is their any for remedy for this misstep.i mean can Carrington make pay for they folly.
Product: Student loan

I had XXXX XXXX loans from my XXXX degree, XXXX of the loans were issued between XX/XX/XXXX and XX/XX/XXXX. I paid off XXXX to XXXX, and XXXX was later turned over to Navient. I was fortunate to be able to make payments on time ( to XXXX ), however, I did find that when I came to my very last payments, when I would pay what was supposedly the final amount, the payment would take longer to go through. By the time it would be processed, the loan would have accrued more interest ( and I would thus still have more to pay ). It happened with both XXXX and Navient. The first time, I did n't know this, so after waiting a couple of weeks and not yet receive any sort of notification that my loan had been closed out, I checked again and saw that I had accrued somewhere around {$15.00} or {$20.00} worth of interest. I paid this off and the same thing happened again, however, I was able to catch it, and eventually close out the student loan with XXXX. The same thing happened with the Navient loan, however, I paid more attention and was able to prevent the lingering amount from compounded as much. Nonetheless it was massively frustrating and made it QUITE clear that neither company has any interest in its customers actually paying off their loans.
Product: Credit reporting or other personal consumer reports

I'm contacting you because I have found some information that is inaccurate on my credit report.i don't believe these accounts were ever paid late as it is reported.i requesting that you verify the information and remove any inaccurate information from my credit report as quickly as possible and doing so please provide me a copy
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter out XX/XX/2022 in XXXX to XXXX, Transunion, and XXXX. However it been more than 30 days and the credit bureaus failed to send my investigation back. this is not making any sense.

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information.

( 1 ) Reinvestigation required.

( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to make sure the bankruptcy information is completed deleted off all my credit reporting agency accounts. They have been XXXX and I need them to be deleted, as well as all other paid off accounts on my credit report.
Product: Debt collection

I was issued a subpoena on XX/XX/XXXX by Stone, Higgs, Drexler in Tennessee for a payday with XXXX XXXX. I was never noticed in writing or via mail for this debt. The debt was last paid XX/XX/XXXX. I called XXXX XXXX, spoke with XXXX and I asked her why I was never notified prior to this and she told me I would have to address all concerns with the law firm. 
I have spoken with the law firm and asked for debt validation and they refuse to send me documents in the mail. The only response that I am getting is that " We have to be careful what we send you because in live in Arkansas '' ( per XXXX XXXX at the law firm ). I asked what about an offer, but I need documents mailed and they refuse to mail any documents. The company is suing me XXXX plus XXXX in law fees for total of XXXX. The amount on my credit report showed that I owed XXXX ( was final amount reported ). I don't know what to do and they are trying to sue me on XX/XX/XXXX in Tennessee for a judgement.
Product: Mortgage

Shellpoint Mortgage company is reporting my payment as late and charging a late fee and reporting to the credit bureaus late payments. My payment is automatically withdrawn from my checking account every month.
Product: Debt collection

I was contacted this morning at approximately XXXX XXXX. by an individual who identified himself as XXXX XXXX. He called my office and identified himself to my assistant as an attorney who was interested in talking to me about XXXX XXXX XXXX ( my XXXX  XXXX ). My assistant transferred the call to me and when I asked him how I could help him he indicated to me that he was an attorney. I XXXX XXXX myself and thought I somehow knew him. 

He stated the language informing me that he was a debt collector and that he was collecting on a debt. He then proceeded to ask me about an incident that occurred at the University of XXXX XXXX ( XXXX ) approximately two years after I no longer volunteered there as an XXXX   volunteer with the XXXX XXXX XXXX for the local chapter of the XXXX. I indicated to him that I had no affiliation with the chapter and haven't been involved with them for several years and was not involved in the local chapter or the housing corporation in any way. He stated that I am somehow responsible for a debt. I told him to contact the XXXX XXXX with any questions or their lawyers and he said that he has already done that and that they are passing responsibility onto me. I then asked him for his contact information and informed him that I was reporting him to my XXXX  XXXX and to the CFPB for improperly contacting me and he basically said go right ahead. My concern is that he contacted me at my place of employment and that he was very brazen in the way that he spoke to me which I felt was harassing in nature. As such, I would like to report him at this time since he misrepresented himself to my assistant by indicating to her that he was an Attorney and made it sound like he was affiliated with my XXXX  XXXX and somehow was acquainted with me. I felt that his tactics were misleading and deceptive and very concerning and that they violated the Fair Debt Collection Act in the way that he conducted himself. 

His contact information is as follows : XXXX XXXX of Todd Bremer Lawson ( Debt Collection Agency ) with a phone number of XXXX based on the number that he gave me. However, when he called he was listed as a local number from XXXX, FL which was also misleading as he is based in South Carolina. Their physical address is XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX. 

Please investigate this matter to the fullest to protect others from this type of collection activity. Thanks! 

XXXX XXXX XXXX
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 XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX  XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX has violated my rights. Or a 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.