23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX and requested a copy of all monthly mortgage payments sent to XXXX XXXX XXXX , XXXX from XX/XX/XXXX. The company sent a two page form for me to fill out and requested a copy of my current Identification which was included in the envelope sent to their XXXX, Colorado office. My ticket number for this request is # XXXX. I have spoken to several customer service representatives each has told me that a supervisor will be " expedite '' my issue and call back in 24- 48 hours.This has happen twice, I have been hung up on once, given wrong information, and a new case ID number. My personal information and driver license is with this company. With the lack of customer service and professionalism that I have received.I am concerned greatly
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported a have a loan with them. I don't have a loan and have NEVER had a loan with this company. I RENT a room with them under house sharing. Last year they reported the same thing under a company called Esusu and both times my credit score dropped significantly. I disputed the Esusu last year and it was removed but my points weren't returned. I have reached out to both companies twice and have been told someone would get back in contact with me and after 2 weeks nothing! They are ignoring me just like last year. Something needs to be done because they are a rent reporting company and my good on-time payments are supposed to help increase my credit score not decrease it. On my credit report under account details it lists as rental agreement so why is this being reported as a closed loan? I was told last year by Esusu this is the only option they have to report payments and this is hurting me. My score has dropped again which is preventing me from obtaining an apartment. I DON'T want to continue to live in a ROOM! Ask this company to provide loan documents with my signature on them or remove this item from my credit report and this time restore all of my points that were taken away.
Product: Checking or savings account

XX/XX/XXXX ally bank froze my checking account number XXXX my direct deposit went into my checking account and I had {$2200.00} in my account from checking and savings, ally bank told me the account is under review to determine who should keep the funds. They told me on XX/XX/XXXX that ally bank has decided it would benefit the bank to keep those funds so the account will be closed the funds available in the account will be transfered to ally banks genetal funds account, they told me if they want the money they can keep the funds and don't have to return them if they don't wish.
Product: Debt collection

I'm filing this complaint as per my attorney TransWorld System is in violation of the FDCPA for failure to provided requested document to properly verify alleged debt. 


I pulled an annual credit report in XXXX of XXXX. To find that Transworld Systems is reporting that I allegedly owe a debt from XXXX XXXX. I keep good records regarding medical bills. I have never received any info regarding this account. This is a medical debt from XX/XX/XXXX. 

I disputed this item via all 3 credit bureaus and requested my " signature of the original contract/consent to treat '' to establish the contractual obligation. Understanding medical facilities can make clerical errors in regards to billing. 

XXXX  and XXXX  verified this account 2 times without providing the requested information ( signature of original contract/consent to treat ) nor did they give me anything that would support their verification method as I requested. 

I was out of the country for 5 weeks when I returned ( XXXX ) I did received correspondence via the FCRA request from TransWorld ( XXXX ) however it was a general medical bill not the requested original contract/ consent to treat form. 

XXXX  and XXXX said it was my obligation to reach out to TransWorld System however this isn't my burden of proof to investigate. 

My attorney sent certified letters. Two times XX/XX/XXXX @ XX/XX/XXXX requesting more information specifically " the consent to treat form with my signature '' with failed attempts due to wrong address published on Transworld Systems website which resulted in both being return to sender. 

Another verification letter was sent certified on XX/XX/XXXX to the address provided from TransWorld this letter was received by TransWorld on XX/XX/XXXX. 
It has been well over 30 days and I have not received any response to my request nor has this item been marked as disputed on my credit file. It is currently being reported as accurate. 

This is a violation of the FDCPA and FCRA. 

Please see attached documents Thanks in advance for your assistance. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine ofestoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is an ongoing issue with Citizen bank. I was added as a signer to my mother 's checking account ( my mother was a long standing customer with Citizens bank and she knew all the bank tellers ), because I was coming to citizens bank to take care of my mother 's monthly bills. 

The bank teller said it would be best for the bank manager to add me to my mother 's checking account, because I was visiting monthly without being a signer on her account. 

12 months after I was added to my mother 's account, my mother passed away. She was receiving a monthly pension and social security checks, however, after my mom passed away her money was taken out by the treasury dept., this caused an issue because money had already been taken out to pay my mother 's monthly obligations. 

I had no idea this issue had arise. Once my mother became deceased, my family and I were trying to deal with the sudden loss of our mom. Her insurance wasn't yet finalized and I was in a long drawn out battle to become the executor of my mom 's estate, then Covid hit and the courts were shut down, as well as most of the economy. 

Two collection companies are sending my deceased mother collection letters, which they said Citizens bank authorized them to do so. The issue is Citizens bank already knew my mother was deceased. 

Also, Citizens bank has added my name to XXXX 's, which is another reason I want to resolve this ongoing issue. 

I called XXXX collection dept. and explained the situation and I was instructed to go to a XXXX branch and show my mother 's death certificate, I went to the actual location where my mom opened her account. 

I was greeted by XXXX XXXX XXXX, the branch manager, although she couldn't assist me because she didn't have access to any information, to know where to start. 


She was a loyal customer and the situation was not intentional by any means. Mom had a great relationship with Citizens bank. Also, there's many discrepancies of what was actually owed, there're four different amounts that's stated in the documents ( see exhibits ). 
Exhibit 1 states amount owned {$1000.00} ; exhibit 2a states {$1100.00} ; exhibit 3 states {$1000.00} ; exhibit 8a thru 8e states the principle balance is {$890.00} So, XXXX 's is not reporting correctly anyway, because there are too many discrepancies, such as the charge off amount, there four different amounts listed in the exhibits. In addition, the XXXX 's report states I conducted account abuse, how could it have been account abuse, if I wasn't aware of the situation. 

After my mother became deceased I no longer had access to her apartment or to retrieve her mail in a timely manner. I requested the post office to change her address to my current address, however by the time I receive my mother 's mail, Citizens bank had already charged off her account. I had no idea about the treasury taking money out until months later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I subscribed to ProtectMyId, an Experian product endorsed by XXXX. Listing my credit cards, glitches with my XXXX XXXX card began. 

I cancelled my {$8.00} monthly XXXX XXXX subscription. 

My credit cards, driver 's license, social security card, birth certificate, XXXX XXXX   insurance card, extra passport photos, library cards, car key, house keys, work keys, PO Box keys, and product cards such as XXXX were stolen from where I live. More than once. I suspect my vehicle was illegally used when while at work, researching behind closed doors and where I live. This is larceny and thus bought the ProtectMyId credit monitoring. 

Is a consumer report used by aggressive marketers, product competitors, and health care subcontractors? 

Stealing my insurance card might be used to buy groceries and create a problem for me. Stealing my photographs and mail might create a fraudulent federal ( U.S. citizen ) identification to travel. 

Connecticut so far hasn't employed me for non-skilled labor, where I'm a life long resident. The Department of Labor won't calculate my Unemployment Benefit rate factually and is in the second Appeal.
Product: Money transfer, virtual currency, or money service

I made international wire transfer at US BANK in XXXX, Washington State. I was told by the branch XXXX XXXX XXXX XXXX that I would receive the receipt by email within one hour. However, all I got was just PAR number without recipient/beneficiary. I NEVER got official receipt. I was trying to contact XXXX ( emailed, called, voice message... ) but got no reply. Called US BANK XXXX but got no reply either. Called US BANK wire transfer department but they told me that only the branch was able to release my receipt. I sent $ XXXX and got no receipt. Called US Bank customer service and was told by the representative that he will file a complaint against the branch manager on be half of me but I don't think he did because he was rude, unprofessional and biased
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off Hervey and Associates in XXXX for past due medical bill. Called several times this XXXX to ask when they will update to credit reports. I keep getting different answers each call. One said they reported the account paid in full but when you call XXXX or XXXX XXXX, they do not have that info update.
Product: Credit reporting or other personal consumer reports

I have an XXXX Credit Card, it used to be issued by XXXX XXXX, but was switched over to XXXX  XXXX. 

On XX/XX/XXXX, I made a payment to pay off the balance I had of {$130.00} on the credit card. It did go through but then unfortunately on XX/XX/XXXX, this payment was returned. My account with XXXX XXXX  was shut down shortly after, so I did not know that this payment was returned, nor was I informed of this. 

When I finally received my XXXX XXXX card on XX/XX/XXXX, and was able to activate it and log in, they showed me as having a late payment for the {$130.00}, and also some accrued late payment fees. At no point during this time did XXXX XXXX XXXX XXXX  XXXX reach out to me to let me know I had an outstanding balance, so I believed my account to be in good standing. I also could not log into either bank during this transition, so I had no reason to believe any of this was going on. 

I paid off the amount, and also explained the situation to XXXX XXXX, and got the late fees removed. 

Unfortunately, XXXX XXXX also submitted a late payment to my credit report. This dropped my score by nearly XXXX points. 

Since then I have dealt with customer service for credit disputes at both banks ( XXXX XXXX, who claims they can no longer look up my account number or any of my info with them, and XXXX XXXX, who claims the late payment is valid as they inherited the card with the outstanding amount on it ). 

I disputed this with the credit bureaus with no luck and was told I needed to take it up with XXXX  XXXX. 

I submitted a written dispute to XXXX  XXXX on XX/XX/XXXX. I submitted a XXXX written dispute to XXXX XXXX on XX/XX/XXXX. I then submitted a written dispute to XXXX XXXX  XX/XX/XXXX. All of these came back denied. XXXX XXXX  still will not provide me my account number or any information about this incident. 

I started a dispute with the credit dispute company XXXX XXXX in XXXX of XXXX. They have submitted XXXX disputes with the credit bureaus that both were unsuccessful. 

I still believe this to be an error that was not my fault. 

I believe XXXX XXXX  originally Made the error by not accepting the payment provided ( and not notifying me of this ). XXXX  XXXX then inherited a card with an outstanding amount and made the report to the credit Bureaus.
Product: Debt or credit management

Today, XX/XX/year>, marks the XXXX time I have been contacted by phone in regards to marketing type materials. I will receive upwards of XXXX calls within a few hours of each other. Today I was told that the purpose of the call wasn't marketing, but was to see if I wanted to save XXXX % on my loan by refinancing. This is marketing. My phone is on the national do not call registry and I have made the company aware in the past that I do not wish to be contacted about anything not related to the bare functioning of my account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXXInquiryXX/XX/XXXX XXXX XX/XX/XXXX Incorrect Information : XXXX EMP - IncorrectPersonalEmployers XXXX XXXX XXXX - Incorrect Employers XXXX XXXX XXXX - Incorrect addresses XXXX XXXX XXXX XXXX XXXX Incorrect addresses XXXX XXXX XXXX - Incorrect Names
Product: Credit card or prepaid card

XX/XX/XXXX I made a final payment on my XXXX  Mastercard. In XXXX I received a refund check in the same amount as my final payment. Payment was misposted and refunded to me with no further explanation. In XXXX of XXXX XXXX XXXX notified me of a delinquent account with XXXX  Mastercard ( commenity ). I logged into my account ( they do not send statements by mail or email ), and saw that interest and late fees started accruing without my knowledge since XX/XX/XXXX. Upon calling commenity they notified me it was my responsibility to keep an eye on my account and was responsible for nearly {$300.00} in late fees plus the original balance I paid off. I filed a dispute and during this time my credit score dropped XXXX points and additional fees and interest accrued, even though the collections agent advised me that wouldnt happen while under investigation. 60 days later I received a letter advising me the dispute was denied since I did not notify them within 60 days of the initial error ( apparently as stated in the terms and conditions ). I have since written a letter to the CEO to reconsider the decision and my credit score is now down XXXX points and the account has accrued additional fees.
Product: Debt collection

I received a communication from XXXX/Comenity/Victoria regarding an alleged debt associated with an account. After receiving the initial communication, I attempted to resolve the matter by sending dispute letters, contacting customer service, and requesting verification of the debt. Additionally, I sent a formal cease and desist letter requesting that all communication cease until proper verification of the debt was provided. 

Despite my request, I continued to receive ongoing communications, including phone calls and letters, which have caused me considerable distress. I am seeking resolution regarding this issue and expect acknowledgment of my cease and desist request, as well as verification of the alleged debt.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW g715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists 15 USC 1681i ( a ) 1 15USC 1681i ( a ) 6 ( B ) 3 15USC 1681i ( a ) ( 5 ) B 15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in my credit card information for the {$1.00} credit check from Transunion. I did not receive a report or any services, nor an email or text with a link to said services. 7 days later I was charged {$19.00} & immediately on the day the supposed trial period I did not know I had ran out. Instead of explaining what services they offer they cancelled said service & explained they have a no refund whatsoever policy. I have no documents to show other than my bank statement wherein the money was removed by them since they never text or emailed anything to me at all regarding anything. I searched my email & text history very thoroughly.
Product: Debt collection

Absolute Resolution Investments first came to my attention when they filed suit on me in Indiana in early 2024 and failed not only to send me any kind of demand letter or debt verification before filing suit, they also failed to properly serve me which I was only notified about the pending lawsuit thankfully after an unrelated law office advertisement came to my home alerting me on the suit and offering their bankruptcy services, otherwise I would have never been notified and received a default summery judgement in their favor. I was able to write the court just in time and prove that I wasn't served, that I was not only not physically in Indiana at the time they alleged to have serve me but I was also resident of Texas. The courts in Indiana dismissed the case. Then later in the year in 2024 they popped up on my credit report as a debt collection company stating I owed them a debt of {$2200.00} but didn't give any information about the debt what so ever other than their name and the amount they claimed I owed. I disputed the debt with the credit bureaus as an account and or debt I didn't recognize and I won the dispute. XXXX  Days later Absolute Resolutions Investments re-filed the debt on my credit again and again with no further information provided and on the same day of re-filing the debt on my credit, they also again have what looks like filed a civil lawsuit against me, this time in my home county and state of XXXX XXXX, Texas but again without any prior written communication about said debt, a prior demand letter letter of any kind and or without verification or validation of the debt still in any way. I'm currently awaiting to be served and start fighting them in court even though I believe they're violating my rights, so I wanted to file a complaint.
Product: Debt collection

To whom it may concern : Security Credit Services is reporting an " alleged debt '' in the amount of {$11000.00}. 

This account was never validated. This is a violation of my Constitutional Rights. Please request deletion asap.

Thank you.
Product: Credit reporting or other personal consumer reports

company has failed to correct my credit report for the late payments submitted by XXXX XXXX XXXX. there continued fraud is causing me alot of issues. we have court XX/XX/XXXX with them would you like to be sued as well? i suggest one last time you remove all late payments posted by that company during the timeframe we have not been delivered what we purchased which is from XXXX and beyond of 2021 the next person to ask you will be a judge. XXXX XXXX did not provide the goods and services to us that we purchased. this is our final demand as we will be Sueing you for damages and our inability to properly use pr credit which is now your fault as well you have been given ohhh 500 pages of documents you should have reviewed ewould you like me to forward you our XXXX in damages we are sueing the bank for i have not figured out what your portion of fault this is but im sure the judge can if you dont immediately make corrections
Product: Credit card or prepaid card

I received a letter from Target on Saturday XX/XX/2023. It explained that my application for a credit card was declined " because we couldn't confirm some required information. '' We can reconsider our decision if you provide the necessary information. I called the XXXX number on the letter and explained that I never applied for the credit card. The representative asked me for the Application ID which I gave her. She read the last four digits of a phone number that was not mine along with a bogus email address. She then gave me the last 4 numbers of a drivers license which did match my license. She the proceeded to explain that they would file a fraud report and that I should do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two hard inquiries are showing on my TransUnion report that were not initiated or authorized by me. Both were submitted on XX/XX/XXXX from XXXX XXXX XXXX XXXX. Using the contact information provided by the XXXX XXXX I contacted the company at XXXX on XX/XX/XXXX. I was put through to the XXXX credit card department. I told them what was going on, they immediately put me through to their fraud department. Their fraud department looked high and low for any credit checks they would have made using my name and SSN number and were not able to find any such instances so were unable to remove the information or provide documentation to remove the inquiries from my report, they suggested I call TransUnion. I called them on XX/XX/XXXX, they told me I need to get a letter from the credit card company to have the inquiries removed, there were several other steps involved. They gave me the same phone number that XXXX provided. I called the credit card company back that same day, again put through to the fraud department and spent almost an hour on the phone while they searched for any applications that may have been submitted with my information. They found nothing and informed me that they do not even report to TransUnion, they report to XXXX. In closing, they could n't provide documentation to have the inquiries removed because there were no inquiries to be found. I have not called TransUnion back since it was such a hassle to even get through to anyone and the person I spoke to during my initial call made it pretty clear they would n't do anything without a letter from the credit card company. I have no idea where to go from here to get the inquiries cleared and I certainly do n't want them hanging out on my credit report for the next two years.