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

This is a Notice that you have broken the law. 

TRANSWORLD SYSTEMS Does not have a license to collect a debt in the state of Oklahoma which is the state that I reside in. Nor do you have licenses to collect debt in Texas in which XXXX XXXX XXXX XXXX XXXX resides. 

TRANSWORLD SYSTEMS is reporting a collection account to XXXX, XXXX and XXXX. The account number for XXXX being XXXX as having a balance of {$1200.00}. With the opening date of XXXX XXXX. 

Congress has made it clear that there is abundant evidence of the abusive, deceptive and unfair debt collection practices by debt collectors. SOME of the Violations committed by TRANSWORLD SYSTEMS include the following : 15 U.S.C 1692b 15 U.S.C 1692c 15.U.S.C 1682d 15 U.S.C 1692e 15 U.S.C 1692f 15 U.S.C 1692e 18 U.S.C 1001 Additionally, This Is a notice of dispute.I am requesting VALIDATION, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting VALIDATION that is competent evidence being my signature showing that I have or ever had some contractual obligations to pay you. Provide the purchase agreement and all other documentary evidence. 

Please also be aware that any negative marks found on my credit reports or fraudulent security liens placed on my personal property ( including XXXX, XXXX, XXXX, and or XXXX XXXX XXXX from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry and any fraudulent security Interest liens removed from my personal property. 

XXXX Otherwise known as Public Law 73-10 states " All debts public and private are paid for. '' Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

The continuous of willful non compliance may result in information being shared to the following : XXXX XXXX XXXX XXXX XXXX  ) FTC ( Fair Trade Commission ) .. For Fraud Attorney General But the failure to respond within 30 days will also have the same result. 

Additionally, Failure to respond within 30 days may result in a small claims legal action at my local venue. In which Ill seek {$1000.00} for but not limited to the following violations : violations Defamation *Negligent Enablement of Identity Fraud *Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 0 *Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) *Copyright Infringement of Trade name XXXX XXXX
Product: Credit reporting

Hello I have XXXX collections that do not belong on my credit report. Unverified accounts. The first collection is XXXX for {$2400.00} Account # XXXX. The second collection is XXXX Account # XXXX. The third account is XXXX for {$740.00} account # XXXX. I also sent a pay to deleted letter to XXXX and they accepted my offer and cashed the check agreeing to delete the account. I sent a copy the letter and check to TransUnion and they will not delete this account either even though I have sent in documents stating that the account is paid in full. These collections should not be reporting and I 'm asking or them to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuse to remove accounts from credit files that I have provided supporting documentation regarding ID Theft ; XXXX XXXX and XXXX XXXX were account opening in result of identity theft they are not mine and do not belong to me ; in addition to those accounts they refuse to removed child support case ; its invalidly reporting the date, reference number and status is invalid do does not consities as an debt. pursuant to Public Law 805-C3 of the Fair Debt Collection Practices Act ( FDCPA ) I hereby demand that you remove the reporting of child support form my credit report. Child Support as you know arose out of an administrative support order and is NOT a debt within the scope of FDCPA ( 15 USC 1692 et sep. ). 

Child support payments, which obligation arose out of administrative support order issues by state department of social services, are not debts encompressed within the scope of Fair Debt Collection Practices Act ( 15 USCS 1692 et seq. ). XXXX v XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX   ) XXXX XXXX XXXX XXXX. 

Fair Debt Collection Practices Act claim of a man owing XXXX in child support must fail, where obligation were not incurred as " consumer '' and dud bit arise out of " transaction '' in which he obtained credit to pay for personal goods or services ; obligation to fulfill his parental duties does not constitute " debt '' within meaning of 15 USCS 1692a ( 5 ). XXXX V Child Support Servc, ( XXXX, XXXX XXXX  ) XXXX XXXX XXXX XXXX, cost/ fees proceeding, magistrate 's recommendation ( XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX. 

Ex-husband 's child support obligation is not " debt '' under Fair Debt Collection Practices Act ( 15 USCS 1692-1692o ), where purpose of support obligation is to secure to children ongoing support owed by income producing parent, not secure to that parent additional moneys for use for his own purposes, because ex-husband did not receive " money, property, insurance, or services '' from transaction primarily for personal, family, or household purpose. XXXX v Child Support Advocated ( XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX. 

Child support obligor failed to state claim against defendants, custodial parent and state agencies and employees, under Fair Debt Collection Practices Act because no defendant was : debt Collector '' with meaning of 15 USCS 1692a ( 6 ) with regard to child support payments, state employees were excluded from definition of debt collector under 1692a ( 6 ) ( C ) ; further, child support obligations were not " debt '' under 1692a ( 5 ), XXXX v XXXX XXXX XXXX XXXX XXXX XXXX. ( XXXX, XXXX XXXX  ) XXXX US Dist XXXX XXXX, affd ( XXXX, XXXX XXXX  ) XXXX US App XXXX  XXXX. 

If you do not remove this item from my credit report within 15 days, I will not hesitate to file charges against you in the State and or Federal Court with competent jurisdiction. You can not claim ignorance of the facts and I demand that you remove this item immediately.
Product: Checking or savings account

My complaint is against XXXX XXXX XXXX, a XXXX unit of Fulton Financial, and their " 10 business days '' dispute resolution process. 
This is the 21st century. If charges ( checking account withdrawals via a debit card ) can be made instantly, it should n't take 10 days to get a disputed charge removed. 

The disputed transaction is the seizure on XX/XX/XXXX of {$1400.00} by a XXXX property : XXXX XXXX, XXXX in connection with a reservation I cancelled on XX/XX/XXXX. The reservation was for a stay scheduled to start XX/XX/XXXX, and I selected an option of " cancel up to 1 day prior to [ XX/XX/XXXX ] without penalty '' when I made the reservation through XXXX. 

The hotel ( and parent company XXXX XXXX ) is insisting that my reservation was a pre-paid/no refund reservation, and they are refusing to issue a refund. 

WORSE : I now ( XX/XX/XXXX ) see ANOTHER {$1400.00} hold on my checking account -- which just appeared this morning. I screamed at the bank about this, but they said there is nothing they can do short of cancelling the debit card ( which I did ) to prevent additional transactions. They tell me it will take ANOTHER 10 DAYS to dispute the second {$1400.00} theft. 

Why would additional transactions from the same merchant NOT be blocked the minute a dispute is filed?!? 

It would seem that our banking system allows for the repeated raid of our checking accounts by unscrupulous merchants, and banks have no obligation to prevent this. This is a very chilling revelation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is still reporting repossessions past the 7 year statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a debt that does not belong to me. I have tried to dispute this debt on several occasions since 2015. Most recent dispute resulted in me being informed that the debt was sold to another lender however, the debt still appears with credit ones name on my report. Although it has been requested in writing on several occasions no verification of has been sent to me.
Product: Checking or savings account

I recently noticed that my identity was compromised and my bank acct information started changing my passwords and fraud withdrawals, charges were made. I moved out of state and my institutions are located on the East coast. I noticed that suntrust, had duplicated my savings acct number, but used a different product name. Also, I started receiving XXXX info, which I called about, ( XXXX XXXX, suntrust ), I never used the service before, and they never told me who or why I had these alerts. XXXX alone has no contact information for me to get answers, and both of my banks didn't tell me anything. I think I was supposed to get money from a trust or some other personal situation, but still have not. My XXXX acct was attached to my suntrust acct, then it was attached to a XXXX XXXX account. When I asked XXXX XXXX, they didn't have anything to say. I feel like someone took control over my accounts, but no one is authorised to do so. I'm not even sure how long they have hacked my accounts, but I need help asap. Everything is freezing up my money, I have to drive from .ca to dc, just to get my money out so I can pay bills. I'm having a hardship, and am trying to correct it before I lose the only security I have. My info, XXXX XXXX, ( XXXX, XXXX ), other last names I've had Last 4 ssi, XXXX Ph XXXX XXXX. ( XXXX ) old number stolen from me since XXXX  2020 XXXX XXXX  XXXX XXXX XXXX, XXXX .ca XXXX Please contact me with any help Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

For a year now I've tried to get my credit where it should be. Due to 1. Wrong accounts. - not my bill. I've talked to the company 's myself and the 3 credit bureaus ( XXXX. EXQUIFAX. XXXX  ) WELL ON XX/XX/XXXX I check my credit to see if anything had been resolved. Well my score on Equifax went up 102pts. Everything was mine. It was perfect. Not in credit score but it was true. Chrck it the next week to see if tge OTHER 2 got tge memo. Oh no and Equifax put everything back on it and put a hard inquari on it on a day that I call to talk yo them. My score that went up 102 dropped 192pts. So it cost me 90pts to call Equifax about my credit? Now Equifax has taken everything off my report idk why and I have a XXXX!!!! A XXXX!!!! XXXX has helped with some if the wrong info off their report. I've got a XXXX. I should be around a 698. But they are working on it. XXXX don't give a XXXX they got all my info wrong STILL and don't care. So get this here 's my scores. XXXX!! I'm tired of these companies dictating my life. My condo has black mold in it we just found out. I've been very sick for months. I need to move and can't because of companies XXXX with my life. I don't have a lot of credit period. And what marks are mine I admit to. But it tell you what I will not let them play with my life and now health anymore. They have a month to get it fixed. It might cost me for the rest of my life but if it's happening to me it's happening to others. Oh and great Equifax who are acting like babies giving me a XXXX. They got breached and my info and license numbers was hacked. I have like 20 hard inquiries that aren't mine. And XXXX  well well well I've cancelled my app subscription and they still try to take it out of my account daily!! I need some help quick! My family should not have to suffer for these companies Lies and laziness
Product: Credit reporting or other personal consumer reports

There are XXXX student loan debts on my credit report that are in good standing and transunion has been changing the debt payment amounts arbitrarily which is negatively affecting my credit score. They are making claims that I've made payments on the debt, then will submit another statement increasing the debt amount when no such payments or increases have occurred with the debt. This is only occurring on my credit report with Transunion.
Product: Credit reporting or other personal consumer reports

I am in constant communication with the 3 Consumer Reporting Agencies regarding an Address reported by XXXX XXXX. According to the credit Bureaus, XXXX XXXX XXXX XXXX XXXX XXXX  were falsely reported by XXXX XXXX. That information is INACCURATE and FALSE. I am demand that XXXX XXXX contact the ALL 3 Credit Bureaus and have the address removed immediately. If XXXX XXXX is claiming they did business with someone with a name similar to mine, I am going to file " Identity Theft '' with the FTC because it would be a fraudulent account.
Product: Debt collection

Per certified mail tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Product: Credit card

I have credit card fraud on my account with Chase, I have reached out to them in reference to this issue. The assured me that they wouold remove all the charges and remove from my credit reports. I have also filed a police report as they requested and all th information was removed. later everything had been returned to my account which is a reflection of my credit report as well makes it difficult to get bette rates for insurance. This is extremely important for a senior citixen on a fixed income. I have emails from Chase stating all information has been removed yet it's still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX. XXXX, 2020 ; XXXX XXXX XXXX XXXX. XXXX, 2020 ; XXXX XXXX  XXXX XXXX XXXX. XXXX, 2020
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina, XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I, XXXX XXXX am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below. 
XXXX XXXXXXXX The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. 
Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 
Best regards, XXXX XXXX
Product: Checking or savings account

On XXXX I went into a chase branch to get money out the atm and was not able to. Its XXXX and chase tells me I have a legal hold but cant tell me anything else like who is the entity that has the hold. They tell me to call back. They dont know how long its going to take. All my account are on hold with XXXX balance.
Product: Credit card or prepaid card

I contacted customer service to inquire about why my account is showing XXXX credit available despite making payments to bring it current. During my conversation with a woman named XXXX, she informed me that my account was closed on XX/XX/2023, due to missed payments. However, I never received any notification about my account being closed, even though I missed only one payment for XXXX. I made payments on XX/XX/XXXX and XX/XX/XXXX, but my available credit still shows XXXX. 

In my conversation with XXXX via chat, he mentioned that a notice regarding the account closure was sent to me by mail. However, I did not receive any letter, and I have also opted for paperless notifications. On the other hand, XXXX stated that no letter was sent, and it would take 7-10 business days for me to receive one. Instead, they were sending me text reminders for making payments, which is not the same as informing me about the account closure. 

I made payments on XX/XX/XXXX and XXXX, respectively. XXXX mentioned that these payments were applied to the XXXX billing cycle, but nothing was applied to the outstanding balances for XXXX and XXXX. Currently, my account shows an no payments due at this time, and the total of my recent payments. 

But theyve closed my account for non payment.
Product: Credit reporting or other personal consumer reports

This company is in violation of the provisions of the FCRA : XXXX XXXX. XXXX ( XXXX  ) ( XXXX ) ( XXXX  ), XXXX XXXX. XXXX ( XXXX  ) ( XXXX ) ( XXXX  ) and XXXX XXXX XXXX XXXX ( XXXX )
Product: Debt collection

I was working with XXXX to repair my credit. I got in writing a log note from Allied stating if I came in and signed they would remove from credit. They forced me to sign a confession of judgment to go on a payment plan to repay the amount owed to Allied. Against my better judgment they told me they would not remove from credit unless I complied. I did so by signing the documents. Now, they are refusing to remove from my credit stating it wo n't be removed until it 's paid in full. This was not the agreement. This is causing my score to be in jeopardy through the credit bureaus and it 's causing me to be declined for a home loan. I have all the documents to back up what I am stating. This has been going on for three months now, with no progress.
Product: Credit reporting or other personal consumer reports

I have disputed my Dept of Ed / XXXX XXXX XXXX but its still reporting on all 3 credit Bureau and they have not removed this student loan from my credit report, Personal Information : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX Fl XXXX, XXXX : XXXX Name of company that reported the item youre disputing and the partial account number ( from your credit report ) Account Information : DEPT OF ED / XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : STUDENT LOAN Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms {$0.00} per month, paid Monthly for 240 months High Balance ( Hist. ) High balance of {$66000.00} from XX/XX/XXXX to XX/XX/XXXX Reason for your dispute : XXXX in Bankruptcy Any corrections to your personal information ( address, phone number, etc. ) Name change : XXXX XXXX ( please remove XXXX ) Equifax Information Services, LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone numbers : ( XXXX ) XXXX Website : www.equifax.com XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number : ( XXXX ) XXXX Website : XXXX XXXXXXXX Mailing address : XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX number : ( XXXX ) XXXX Website : XXXX
Product: Prepaid card

This is something that has been going on for about 2 years now maybe three I actually even went to my local mayor as well as the FDIC in complaints to Bank of America and regards to the way that they were treating me and the fact that they were holding money from me over which was over from unemployment they continued to refer me to unemployment after my money from employment had already been transferred to my bank account at Bank of America they refuse to give me a debit card they closed my account out and I could not get my money after dealing with that for about 2 years I finally was able to speak to a representative who was able to help me and fix that now a year later I got a job and I once again now had to have Bank of America because of unemployment the very first time I contacted them they immediately had me go through security verification I had a fraudulent charge on my card within the first month of me having my I'm sorry 4 months after I had actually started my unemployment and that very first charge that I complained about they closed my account out blocked my account and told me that I could not use the funds and then they were no longer going to allow me to be a customer the date that this originally started the most recent one was XX/XX/2023 the amount of my claim was for {$400.00} and now they're refusing to give me any of my money that's on the account which is going to be over {$1500.00} I contacted them they're refusing to speak with me in any way whatsoever I asked to see to a manager several times and every time I start to spoke to manager somebody told me something different but the bottom line at this point is I have no access to my funds once again which is the same problem I had 2 years ago and at that time it was for {$5000.00} which I will submit a separate claim at this time for that amount thank you
Product: Credit reporting or other personal consumer reports

The List of accounts below has 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 has violated my rights. 

I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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. 

Resources XXXX XXXX XXXX