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

Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( XXXX ) TRANSWORLD SYSTEMS INC ( {$120.00} Collections ) has unlawfully and illegally reporting derogatory information on my credit report without proper authorization. I have informed this debt collection company that information was compromised due to XXXX XXXX XXXX. This is not a credit transaction initiated by me. Additionally, I will be filing Federal complaints against TRANSWORLD SYSTEMS INC for these unlawful practices because my consumer rights have been violated. I have not authorized them to report any information about me, and their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting such information. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter thoroughly and ensure that this derogatory information is removed from my credit report immediately. TRANSWORLD SYSTEMS INC failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. 
This failure to provide adequate proof of the alleged debt is a violation of my rights under federal law. I requested for TRANSWORLD SYSTEMS INC to provide verifiable proof of this debt and clarification of how the alleged collections was verified, I have not received anything. This raise concerns about their compliance with legal requirements. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me. Their actions are in violation of the FCRAs requirement for a permissible purpose in reporting credit information. Again, I will be filing complaints at federal levels to address these violations and then seeking a lawyer. I have given TRANSWORLD SYSTEMS INC a fair opportunity to clear this up, however I am still being harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX credit report : Please remove the following inquiry from my credit report immediately. 

CoreLogic requested my credit report on XX/XX/2022 without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax, and XXXX all have furnished reports on my behave with out my written consent and arent helping remove these negative items that is imparing my trust in the banking system and the consumer reporting agency. These reports are identity theft because no consent was ever given. ( 15 usc 1681 ( B ), written consent never granted, ( 15 usc 1681 ) this information is not supposed to be included in my report
Product: Credit card

Payment dispute was started and closed without submitting a receipt. USAA said the dispute would be reopened if i submitted the receipt. I have submitted the receipt twice and still have not recieved resolution. The merchant has already agreed to, and has proof of refund. However, USAA will not return the money. USAA called to claim I have not submitted a receipt. Which I submitted hours later.
Product: Credit reporting or other personal consumer reports

I have been a victim of ID theft. As a result there were accounts opened in my name. There was information changed in my name, addresses, phone numbers, emails, etc. None of which were mine. I provided to the creditors and the credit bureaus proof of my residence for XXXX  years, copy of my Drivers License with that same address. Social Security Card, Police report with the account listed, FTC report with the account listed. I offered to sign an affidavit etc. I responded to the assertion this was opened by me and valid. Never once did the creditor provide the application, or proof the card was received and used by me. They sent a letter saying the address, and phone number used on the account opening was verified as mine. I do not see how that is possible. Even the Police verified I did not live at that address. That phone number is NOT on my police report, FTC report, or letter to them. That email address is also not used by me. My email address has been open and valid for XXXX  years. The one used to open I have no idea whose it is. I asked for this account to be blocked and provided all the info needed. I get this letter back stating No we will not and it's back on your file. The specific account details provided did not allow them to block. That the description of the ID theft was " too vague ''. Laughable. read the police and FTC report. It's very clear. They asked me to provide my Identification, address etc once again. Attached is everything that was sent not once but XXXX  times in XXXX  months. I am getting the run around and victimized by the credit bureau and the creditor repeatedly.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act ( XXXX XXXX Acct # XXXX ) has violated my rights. 
15 USC 1681 Section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Hello. 

For context I bank with Chase and my car loan is through XXXX XXXX XXXX. 


Back on XX/XX/XXXX of last year I had a car loan payment for {$540.00} charged to my account. That payment was never received by XXXX XXXX XXXX so it was considered as a missed payment. However, the that payment wasn't immediately returned to my account. It was stuck in limbo somewhere in the middle. I have since payed that so I'm up to date with XXXX XXXX late XXXX XXXX I was talking to multiple companies trying to get this figured out and eventually, after an exhausting process and weeks of waiting, it was resolved and the money was put back into my account Chase alerted my recently that they've completed their research into the claim and they deemed it as valid and yesterday the {$540.00} was taken back out of my account. So once again I'm down that amount without having credit for it as a loan payment. I do not understand how they deemed it valid if reality is the payment was never received by the intended recipient therfore how could it possibly be valid? 

I feel like they've just robbed me and walked away like nothing happened. It's completely ridiculous and confusing. I can't accept losing this much money because the incompetence of the Chase claim process. 

Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Experian consistently responds telling me that I did not directly submit this dispute. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

On XX/XX/2020, I received a letter from Synchrony Bank stating my account ( Chevron and Texaco Credit Card ) was closed due to " Activity on account with Synchrony Bank indicative of high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic. 

Under the Equal Credit Opportunity Rights Act, I have a right to find out my account was closed unless the account was inactive of my failure to make payments as agreed.
Product: Debt collection

Recently I sent a correspondence to Navient Solutions LLC regarding an alleged debt. I requested validation of the alleged debt in accordance with 15 USC 1692g, ledger/journals of Navient financials and the rescission forms regarding this credit transaction. Navient failed to validate this alleged debt. I was sent statement documentation and an incomplete application with personal information ( that I did not consent to Navient having or reproducing ) none of which bared my signature. Navient did not respond to my inquiries regarding the alleged debt. I informed Navient in that correspondence that I was in fact disputing their claim and to cease all collections until they were able to validate the referenced claim. Navient continually harassed me via mailings regarding the alleged debt, did not report that this alleged debt was being disputed and reported to credit reporting agencies that this payment was 90 days late. Navient also ( without consent ) shared my information with XXXX, who also requested that I provide payment to them for the same alleged debt with a different account number. My privacy has been infringed upon. Navient failed to provide proper documentation to validate their claim. Navient 's engagement in these abusive practices has injured my mental state, my credit, and my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPLAINT XX/XX/XXXXXX/XX/XXXX I had applied for a credit account with them in XXXX. It was approved for {$200.00} I never used it and it eventually closed in XXXX due to no use. At the time when they closed it they reported it as a charge off and a bankruptcy which it was not. Since the account was never used there was no amount to charge off or to include in any bankruptcy. I contacted XXXX XXXX / XXXX XXXX and was told my account was never negative and it was never used hence the reason for closing. At that time they informed me to dispute it with the credit bureaus by which I did dispute with Equifax, XXXX  and XXXX  three times. On each occasion they stated the account was accurate. I then called back to the credit bureaus and was told this is the information that XXXX XXXX XXXX gave them. I questioned the credit bureau for proof of this delinquency and what was given to them as verification that this delinquency and negative credit rating is incorrect. I got a letter from all three stating that they would not dispute the same thing and for me to contact the creditor. Shortly after I disputed with the creditor XXXX XXXX XXXX  more than two times via certified letter and no response was given. I went back to the credit bureau for the information to be corrected and updated. At that time I pointed out to them that according to their credit report as of XX/XX/XXXX to the current date there has been no activity, no scheduled payments and no high balance reported for this credit card since opening which proves that this account was never used just opened. Basically till date I have been denied the right to a fair and accurate credit report that has subsequently caused defamation of my character to potential lenders due to the negligence of XXXX XXXX XXXX , Equifax , XXXX  and and XXXX  . I  immediately request that this information be corrected to reflect never late, the account status of charge off and included in bankruptcy be deleted. 

View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Authorization needed STATUS Company responded there is an unauthorized third party on XX/XX/XXXX The company needs authorization from you to proceed with your complaint. 

We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed.
Product: Credit reporting or other personal consumer reports

This account has been on my XXXX Equifaxs and XXXX since XX/XX/year>2016 thats almost XXXX years! 
Its has been charged off XXXX times when its not even my account! Its has been a terrible impact on my credit and when calling customer service they are the most terrible individual you can speak with over the phone including hanging up in your face. 
according to 15 USC XXXXXXXX XXXXyou have violated my rights by in lawful communications. 
please remove this collection off of my credit report thank you.
Product: Credit reporting or other personal consumer reports

remove immediately Late Payments ( 15 U.S. Code 1666b ) Charge Off 's ( 15 U.S. Code 1601 ) Repossessions ( 15 U.S. Code 1601 ) Bankruptcy 's ( 15 U.S. Code 1681b ) Collections ( 15 U.S. Code 1692c ) Hard Inquiries ( 15 U.S. Code 1602p
Product: Mortgage

I have a 2nd mortgage with PNC as a line of credit. I wanted to refinance my 1st mortgage while keeping the 2nd as is. That requires a subordination agreement from PNC. 
On XX/XX/XXXX we requested the subordination agreement from PNC and submitted all required documents On XX/XX/2020, After several attempts to get an update on our request, PNC requested an updated title commitment since the one we submitted expired. 
On XX/XX/2020, we received another request from PNC to update form XXXX and adjust by {$0.00}. 
On XX/XX/2020, we received a request to update the payoff statement, Investor approval since the documents we submitted originally have expired. 
I communicated my concerns with PNC and the case number with them is XXXX. 
The process is taking so long that I already lost the locked rate for the refinance. In addition, in about two weeks, the my home appraisal I did to get the refinance rate will expire and I will have to pay {$450.00} to redo the appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act Macy 's XXXX Citi Bank Account ending in # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I sent a certified validation letter on XX/XX/2021 to prove that I owe this debt with my signature that I approved this service, medication that was taken, all doctors involved and my medical history. The collection agency did not prove that this debt of {$250.00} was my responsibility. They didn't prove I sign for any service
Product: Credit card or prepaid card

Bank of America deducted I want to say XXXX away for me and now I have a - {$5000.00} i owe
Product: Mortgage

I been trying for more than a year since my 10 year interest only note came do on the second mortgage I can not pay the whole thing and have been asking for a payment plan when I started this they told me not to pay anything till this got worked out .I did get my first mortgage modification done over a year ago and sill nothing and not they are trying to take my family home we have lived and payed on this home for more than 12 years now I mam XXXX years old and have been send them the same updated documents every month over and over again. 

Please Help
Product: Credit reporting or other personal consumer reports

I am writing to formally request a detailed description of the investigation process followed by your agency regarding the disputed account listed below on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide consumers with a description of the procedure used to investigate disputes within 15 days of receiving a request.

Additionally, under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601, it is imperative that all credit information provided is accurate, transparent, and fair to protect consumer rights. 

Below are the details of the disputed account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you provide the following : A description of the procedure used to investigate and verify this account. 
The source of the information relied upon to verify the account. 
If the disputed account can not be deleted immediately due to inaccuracies or unverifiable information, I expect the requested description of the investigation process as required by law. 

I appreciate your prompt attention to this matter and look forward to receiving your response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 I paid XXXX XXXX XXXX  the full balance that XXXX XXXX was having them collect. XXXX XXXX XXXX removes themselves from my credit report but XXXX XXXX is still reporting. Ive had this account on my credit report for almost 8 years now. I contacted corporate office of XXXX XXXX and they told me that since I didnt pay them directly, they were keeping the debt showing on my credit report. Its not even reporting as paid. Its repirting as a charge off which is correct/incorrect because I paid it.
Product: Credit reporting or other personal consumer reports

There is a bankruptcy showing on my experian report that is reporting with inaccurate data and needs to be removed. The other bureaus and XXXX have removed the XXXX due to its false and inaccurate reporting. Experian needs to verify this removal again with XXXX and remove from my profile
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. Allegations must be reported with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions.The following claims are unverified and require further investigation. Please report any verified claims immediately.

Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately.

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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: Student loan

Hello, I 'm writing about issues im having with private loans serviced by AES. I have a college degree but unfortunately do to changes in qualifications for careers using my degree ( making it more specific ) I unable to find legitimate work in my field without further schooling, which I ca n't afford. Due to this, I 've been at lower paying jobs that barely account for my living expenses let a lone student loan payments, and more currently I find myself XXXX due to a job falling through. I contacted AES about options to bring me current and lowering my payments to something I can afford but they refused saying I had already used all my options. It makes me so mad, I am willing to pay what I can every month but it does n't matter to them and now XXXX of the XXXX loans of mine they service ( the XXXX cheapest I pay religiously on auto debit ) are slowly creeping towards default and I ca n't do anything about it unless I put my family 's and my own well being at risk. And they do n't care, Unwilling to consider people 's situations and work with them, and fail to offer any real guidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Trans Union is reporting my address wrong with multiple addresses where I do not live. 

Theyre also reporting my experiences with a company which is illegal. 

Late payments and hard inquiries are illegal and need to be removed. 
No financial institution can share my information without my consent or experiences. The exclusions listed below : Consumer ( Individual ) Company ( person ) Transactions ( payment history ) Experiences ( utilizations ) 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.

15 USC 1681a section 2 subsection ( 1 ) A & I under exclusions 15 USC 6802 section 2 15 USC 1681n