23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

INTEGRITY SOLUTIONS SERVICES is a third party debt collector. They are reporting info on my credit report that I owe them {$1100.00}. I have not ever dealt or even heard of this company. I do not have a contract with INTEGRITY SOLUTIONS SERVICES. I also looked on the  Secretary  Of State website to verify that they are bonded with the  SOS  and was not able to locate them.
Product: Credit reporting or other personal consumer reports

I recently noticed a hard inquiry on my credit report made by XXXX XXXX XXXX. The inquiry may have reduced my credit score substantially. I had no idea why the inquiry was made so I contacted XXXX XXXX XXXX. They said it was due to an application for a XXXX XXXX XXXX which they had denied for lack of additional information requested from the applicant. I, myself had never filed any application for a credit card through XXXX XXXX XXXX. I assured XXXX XXXX XXXX  that the application was not done by me and was fraudulent. I requested they remove the inquiry made against my credit report and they agreed it appeared fraudulent being done online and the applicant not being able to supply the additional information requested by XXXX XXXX XXXX. They assured me their inquiry on my credit would be deleted and a fraud investigation would be undertaken and any decrease in my credit score would be reversed. They also asked me to file a victims report with the XXXX credit bureaus, Experian, XXXX and XXXX but I had trouble finding the right documents to file at the XXXX credit bureaus so I am requesting CFPB help me in making the complaint in filing a victims report of fraud with the XXXX credit bureaus as requested by XXXX XXXX XXXX. The inquiry by XXXX XXXX XXXX  was done on XXXX XXXX, 2024. The application was attempted fraud by persons unknown at this time and not filed by me, XXXX XXXX. The XXXX XXXX XXXX  associate was very helpful in explaining to me why a credit inquiry was done at which time I assured her, the application for a credit card she just revealed to me was not done by me and indeed fraud. I was told the undertaken investigation and its results would be shared with the credit bureaus and me and XXXX XXXX XXXX  would immediately withdrawal their inquiry which very possibly had reduced my credit score as much as XXXX points. I am filing this complaint as requested by XXXX XXXX XXXX  as a victims report of fraud to be forwarded to the XXXX major credit bureaus. Thank you, XXXX XXXX XXXX : original complaint # XXXX
Product: Debt collection

Northstar Location Services have called and harassed my family daily. Today on XX/XX/20 they called my mother 3 times. Once she answered they stated they were looking for me and told her that they were debt collectors and disclosed to her how much I owed. Provided her information on my account. Which is so embarrassing. My family lives 900 miles away and this company calls them daily. They have also spoken to my brother aggressively about speaking to me. They have also left my sister voicemails. Disclosing how much they are seeking are a violation of the law. Providing them information and not to me is against the law.
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 account 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 account listed on an id theft report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 account/item which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$5900.00} 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: Credit reporting or other personal consumer reports

I see that my credit file has the incorrect address listed on account. I have tried to update but address that I have never lived at is still listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I discovered ( XXXX  RETAIL ... ACCOUNT # XXXX AND XXXX XXXX XXXX ... ACCOUNT # XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
Product: Credit reporting

I reviewed my Trans Union credit report and I have XXXX credit inquiries from XXXX XXXX XXXX that are unauthorized and fraudulent credit inquiries. I am a victim of identity theft and been a victim of identity theft for over 7 years now. I want Trans Union to remove the credit inquiries from my credit report.
Product: Mortgage

I obtained a payoff quote for a HELOC with SPS Portfolio that was good until XX/XX/2021. I paid the amount stated in full on XX/XX/2021. The amount due was less than {$100.00}. The mortgage company is refusing to verify this loan is paid, remove the lien from my home, and have added a fee of {$17.00} which I am refusing to pay XXXX what is it for? ). 

I have emailed my " Relationship Manager '' 6 times in 4 weeks and the only reply I get is a form letter " Acknowledgement. '' I called and spoke to a rep and supervisor who assured me that I was correct and the situation would be rectified. It has not been. 

Now they are saying funds " must be certified '' when that was never a stipulation before and the funds were removed from my account weeks ago. On top of all that, they then sent a letter that my loan has been sold.
Product: Mortgage

Wells Fargo Home Mortgage is reporting a past due balance on my credit report with the three major credit bureaus. This is inaccurate and violates The Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, Wells Fargo modified the loan as a Trouble Debt Restructure in the name of XXXX XXXX. As a result of the XXXX, the loan was subsequently brought current. Although the mortgage is current, the mortgage is showing as a late payment on my credit report in the amount of {$2600.00} and shows 60 days late. I believe the failure of Wells Fargo not updating my information is negligent. As a result, the action of Wells Fargo has damaged my credit and caused me emotional distress and mental anguish.
Product: Bank account or service

My bank, Union bank has changed several policy 's without notice or consent regarding Electronic funds deposits and normal business deposits ie : Saturday availability no longer exists, placing a 2 business day hold on all EFT deposits therefore limiting banking days to 4 per week. Union bank has also without consent and specifically against my written instructions to opt out of overdraft products re-enrolled me without notice or signature expressing my wishes to participate in this product. I have been charged hundreds of dollars for services I do not want, and the bank is violating it 's fiduciary duty by hiding deposit monies or making funds not available to me as an account holder for excess periods of time with the intent of generating " fees ''.
Product: Debt collection

I contacted XXXX  Ive been online with XXXX XXXX they sent me a letter back saying that the information was accurate I never lived at this address
Product: Credit reporting

I have XXXX closed/paid accounts with XXXX XXXX. I recently learned through the process of trying to get prepared to purchase a home how any late payments affects your credit score. In XXXX 2016, I disputed XXXX inaccurate 30day late payments with XXXX and Transunion account # XXXX. It came back verified. I contacted XXXX XXXX several times trying to get documentation to support the late payments. They continue to say they will mail and/or fax proof of late payments but I continue to receive nothing from them. I even wrote a letter asking for forgiveness courtesy. Denied. I recently learned that being under 30 days late is not the same as being 30 days late. Transunion stated the same as XXXX that they can only report what is sent accurate or not and that they do not request for the company to show proof of the late payments they just report only.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX account for a car loan on XX/XX/year>XXXX  for the amount of {$15000.00} and balance of {$4200.00} in collections. I called the company informed them and the police it was identity theft made a report and contacted the collectors still calling to collect no information is provided to me except for the phone number of the bank and the account number no other information is provided to me
Product: Student loan

My loan was being serviced by XXXX-Education for years and I was making automatic monthly payments on three loans. Last year, XXXX became XXXX and my monthly payments continued. At some point in the XXXX or XXXX of 2018, account information about only two of my 3 loans was available on the website. It was unclear to me if I had paid off the third loan, as I did not receive any such notice. I sent in an email requesting information, and I never received a response. Today I attempted to login to the website, and it indicated that my loans were no longer being serviced by XXXX and that I should contact the new servicer. I have not received any information about a new servicer. I tried to call XXXX, and the message says they closed on XX/XX/2018 and to contact the new servicer. Again, I have no idea who the new servicer is or how to find out. I am concerned that I may be missing payments and that my credit will be affected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX recently settled a class action lawsuit and I was one of the consumers that was included in this Mass Arbitration. This company switched financing partners and new accounts were opened without consent of the consumers and it affected my credit negatively. I was not properly warned about the effect that this change would have on my credit. Learning of this made me very upset that this happened and contacted to company to close the accounts, I owed no balances at this time. After finding out that this company began to report the old account and new account as negative, I called them again and told them to remove the inaccurate fraudulent information from my credit report as I had not ordered anymore merchandise due to me learning that my account was switched. My request was never granted and I have been disputing the accounts for almost XXXX now. This company ignored my pleas to investigate more into the breach of my account even when I told them that I didn't received anymore items from their company and that the last item that I received from them was completely paid off. This has left me in an emotional wreck and very distressed. The negative impact has been affecting my credit for far too long and is being reported multiple times. This company also violated my rights to privacy by selling the fraudulent debt to another company with my personal information attached, while still reporting damages to my credit report. According to 15 U.S.C 1681 Laws, there should not be damages on my credit report as it is a deformation of my character.
Product: Student loan

ECMC has continued to file a wage attachment for a debt that was supposed to be cancelled and refunded XX/XX/XXXX. Now these collection tactics are harassment under the law. ECMC refunded me payments garnished in XX/XX/XXXX yet reactivated the garnishment, in XX/XX/XXXX so the 25 year timeline also makes this debt a violation of federal law. Further to prove my claim, they clearly stated that I withdrew from the school in under 6 weeks but the school did not refund me the money or cancel the loan properly. They further sent me a loan discharge form and stopped the collections and REFUNDED me XXXX out of the XXXX garnished. More importantly they claimed all notices mailed to me was to an old address and not the one i submitted to them in XX/XX/XXXX all this to justify this recent garnishment started in XX/XX/XXXX. But they resold the debt to another agency and started collections for a debt they know was not refunded and separation from the school, they do this all without any penalties so the harassment continues and the consumer protection laws are ignored. So, in XX/XX/XXXX and had updated current address and failed to notify properly, again proving that ECMC is attempting to collect a debt they are aware is in error and is not following proper notifications provided by the consumer protections laws. ECMC and XXXX XXXX have both illegally and unethically attempted to profit off me as the result. They have refunded XXXX % of money collected though a wage garnishment proving that they are aware of their internal errors and yet started the process all over again. I demand the cancellation of this loan by enforcing the documents to provided to CFPB, proving i separated from this school. 
I demand the release of this debt now that the time limits have expired by federal law over 20 years uncollected, in error and behind my back. I demand the wage garnishment stopped and settled for the third time in two years due to non compliance on the debt collections laws and the fact that i ( as a child ) followed the withdrawal of the school and never got a refund for the balance of the loan. Note the school was a XXXX school for a 12 month term - had no computers for us to learn on, and no books for us to keep -- so logically i properly withdrew and cancelled but full refund was due!! the paperwork was submitted to ECMC cancelling the loan but yet the garnishment is reopened as of today XX/XX/XXXX for the reason : the school is still opened, ( not an unpaid refund ) when this is totally incorrect, there is not a " XXXX XXXX school '' active or open in the state of New jersey. This is harassment, illegal and unfair causing financial hardship. Either they forward me the money paid to a school I withdrew from, they acknowledge that the lose claim due to 25 year rule for student loans and/or the cancel the loan due to refund was not paid. These companies should be ran out of business and sanctioned.
Product: Checking or savings account

I disputed a claim with XXXX store for {$320.00} When they told me my card didnt work and a friend paid with his. Upon this occurring I had submitted a dispute for I was doubly charged for the merchandise. Chase representatives instructed me that I needed to submit proof of a receipt. One of the official chase claims specialists directly told me I could submit the proof via my secure message center via chase secure banking app. I cooperated and did so. Later finding out it was  actually not a viable method of delivery for such documents. Wether right or wrong I was instructed by an employee of chase this was alright keep in mind. After doing so I eventually noticed my funds were withdrew again from my account after being issued the provisional credit so I called to see what happened once again. They said I never submitted the proof. So I also mailed it in an envelope via usps. They  say they never received it. I told them that in a court of law theyd subpoena the files with the photos of the receipt. A chase executive assured me he would find them and get it taken care of. Today I get a call weeks later now three months since the original purchase and they tell me I didnt provide them proof and theyre refusing to locate the file from their database. Chase is directly violating my rights slandering my name by closing my account and putting it negative. Keeping me from making wages by holding my money and directly withholding me from seeing doctors and receiving medications I need to survive. I  want whats mine end of story they need to make right or a lawyer needs to reach out to me to represent me and take them down. Theyre 100 % in the wrong here. Ever calls recorded. They acknowledged and opened my claim based off the message I sent them with the attached photos of receipt. The pictures will be here for you to view.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps reporting a XXXX account as charged off and late but I was never late and I have proof that XXXX charged my bank card for the exact amount. Experian refuses to investigate or correct my report appropriately.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 XXXXXX/XX/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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

RE:
Balance Amount $XXXX   Is Collection NO Open Date XXXX
Payment Status XXXX XXXX XXXX (90 DAYS DELINQUENT)
Status Date XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX Business Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX State TX Zip XXXX

ALL CREDIT-RELATED PARTIES SHOULD BE AWARE THAT THIS CHARGE IS A DISPUTED MEMBERSHIP ANNUAL RENEWAL CHARGE I REFUSED TO PAY BECAUSE I HAD CLOSED THIS CREDIT CARD WITH XXXX  AS SOON AS I RECEIVED NOTICE OF THIS CHARGE.  I REFUSED TO PAY FOR A CREDIT CARD ANNUAL RENEWAL FEE AFTER I HAVE CANCELLED THE CARD WITH NO OUTSTANDING CHARGES FOR SERVICES OR GOODS.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Contacted Discover twice regarding a fraudulent transaction from a XXXX XXXX XXXX on my credit card. Was decided twice on both investigations that it was a valid charge. I am legally not liable for fraudulent transactions on my account. The supporting documentation the merchant submitted showed my account number was compromised as it was manually entered, myself or the card were not present. The invoice for the transaction show 's a XXXX XXXX, an individual I do not know or have heard of. I do not understand how Discover could not only hold me liable for this transaction but also allow the charge to be processed without the correct billing information on the account. My name or correct address are not on any of the documents in reference to the charge in dispute. This is clearly fraud and I wish to have this investigated at the Executive level, its unethical and illegal.
Product: Credit reporting or other personal consumer reports

This is my refilling and requesting for the reinvestigation to EXPERIAN was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Product: Credit card or prepaid card

I have an American Express Platinum Card which I use mostly for travel. Due to COVID-19, I had to cancel an expensive cruise with XXXX XXXX, prepaid cruise excursions, an RV trip and Lodging, that I had prepaid in full with my Amex card. All the merchants have refunded the total monies I paid them. I have been calling American Express for 3 months now and opening dispute after dispute. After 2 months, and over 20 phone calls, they finally sent me a check, but the check was deficient by {$2500.00}. So I had to open another dispute for this amount. They closed my dispute without explanation and without resolution. I have given them an accounting of all the charges, all the credits, all the payments made, and illustrated CLEARLY how they still owe me {$2500.00}. They just continue to ignore me. I found this consumer financial protection bureau hoping that someone can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint ( ID FOR COMPLAINT SENT TO TRANSUNION : XXXX ), TransUnion failed to prove the accuracy of its investigating and its reporting of the Chapter XXXX bankruptcy information on my credit report. 
TransUnion failed to fix the problem because it did not delete ALL of the bankruptcy information it is reporting on my credit report. 
1 ) Pursuant to FCRA, Section 611, a credit bureau must directly provide the date, and name of the person at the court with whom TransUnion verified the Chapter XXXX bankruptcy information reported on my credit report. 
2 ) In its response, to the 2017 complaint number XXXX, TransUnion stated, we do not provide dispute verification responses received from creditors or court records. 
3 ) TransUnion DID NOT satisfy the requirements of FCRA, Section 611.

4 ) Therefore, TransUnion DOES NOT HAVE the LEGAL RIGHT to REPORT A CHAPTER XXXX BANKRUPTCY on my credit report. 
5 ) Pursuant to FCRA 611, TransUnion MUST DELETE such information from my credit report if it can not satisfy the procedural requirements of FCRA 611.

6 ) In this complaint, TransUnion must provide detailed verification information to support the accuracy of the Chapter XXXX it is currently reporting on my credit report. 
7 ) OR ELSE, TransUnion MUST IMMEDIATELY DELETE any BANKRUPTCY INFORMATION that it is reporting on my credit report
Product: Credit reporting or other personal consumer reports

Lexis Nexis shared my personal information without my consent