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

On XX/XX/2020, TRANSWORLD SYSTEMS add a derogatory mark on my credit reports. TRANSWORLD SYSTEMS did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, reporting on my credit report account number ending in XXXX is reporting a late delinquency on XXXX of 2016 through XXXX of 2016, which is inaccurate, and only experian is the one who is reporting this inaccuracy, i have tries to dispute through them but they are not being helpful at all, i am attaching the creditors letter to this complaint, which i have also provided to experian. please have this removed from experians reporting. thank you for your cooperation
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a personal loan, I filled out, what looked like a normal application with XXXX. After submitting the application I received an email stating I was approved but needed a co-signer. I immediately responded stating I did not have a co-signer and to terminate my application. On XX/XX/XXXX I received a {$5.00} charge to my bank account from XXXX. I immediately contacted stating this charge was not approved as I did not have an account with them and had previously requested my application be terminated. I requested this charge be refunded, through all correspondence with XXXX I receive the same generic email with no outcome of a resolution. 

Today, XX/XX/XXXX XXXX shows up in my credit report with a balance of {$220.00}. Yet again I immediately contact XXXX, I call the phone number and it only allows you to leave a message and states no call backs will be done but an email will be sent instead. Yet again no matter what reply I send I am answered with the same generic email.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I requested my Annual Credit Report from the the 3 Credit Bureaus. 
XXXX and XXXX, properly complied with my request in accordance with the Law. 
However Equifax FAILED to do so... 
After several calls and requests to Equifax They still refused to comply with the current Law Stating on a written letter. 

" WE WERE UNABLE TO LOCATE A CREDIT FILE IN OUR DATABASE WITH THE IDENTIFICATION INFORMATION YOU PROVIDED '' This statement from Equifax is 100 % False, Deceitful, and intentionally done to Harass, Intimidate, and extort XXXX XXXX. ( since they have my information for more than 50 years ) Specially after we had exchanged correspondence, phone calls, and Equifax provided with my credit report as recently as of XX/XX/2021. # XXXX The reason I requested a second credit report on XX/XX/2021 is to verify that some of the errors on Equifax report that was misreported has been correct!!! 

Now the answer is : " WE ARE UNABLE TO LOCATE YOUR CREDIT FILE ''???
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent purchase was made in my name, on or about XX/XX/XXXX, from a company called XXXX XXXX, XXXX. The charge was sent to a collection agency, XXXX XXXX XXXX XXXX   XXXX, XXXX, MN XXXX. 
On about XX/XX/XXXX I was notified of a change to my credit report, advising of a lien. 

I have never received an Invoice, Statement or notice of Lien from the Vendor or their Agent. 
The sale was made to a party in XXXX XXXX, FL, and not to me personally. 
The collection Agencies have not responded, nor has the collection Agency. 
This is adversely effecting my Credit Score. 

I notified all 3 Credit Agencies and the FTC of the discrepancy, as well as the Collection Agency. No action taken by them.
Product: Debt collection

Per XXXX of this company said they are owned instructed by Ocwen to foreclose on said property.

Ocwen is in the middle of a loan modification to save our home.

The first time XXXX XXXX left documents they were placed on the front porch and flew all over the neighborhood.

Display for the neighbors This time taped on the front door
Product: Debt collection

I have been repeatedly contacted by TrueAccord regarding a debt they allege is owed by someone else. They continue contacting me despite my telling them clearly that I am not the person they are looking for. I suspect that the debt may be owed by a fraternity chapter that I was associated with in the past. I provided them with suggested means of contacting them. 

I have notified that should they continue contacting me I will bill them for my time in assisting them with doing their job.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my account via debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing Wells Fargo services.
Product: Money transfer, virtual currency, or money service

Paypal accused me that I owe them money from another Paypal Account that was opened fraudulently the negative balance was {$440.00} I'm a victim of Identity theft!!! I filed a Identity theft complaint to the Federal Trade Commision included is the fraudulent claim Paypal Account was opened in my name. I also contacted the Consumer Financial Protection Bureau about the Fraudulent account and how you withheld money from my account without my consent due to Identity theft. I forwarded all my documents to my lawyer, If the limitations and my money isn't released expeditiously I will sue PayPal and take Paypal to court. This is not a threat or intimidation tactic to gain access to my MONEY. Looking forward to hearing from you and this issue will be resolved without legal action!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a current copy of my credit report and show inaccurate or incomplete information listed. the creditor Recovery Management Services ( XXXX XXXX XXXX Missouri ) alleged balance amount {$1400.00}. I attempted to contact credit and send a wirtten certified document and has not been repiled to over 30 days. I show this alleged account is fuardlent and I never attended any such school or have and alleged debt with Recovery Management Services. There has been on proof of verification and this is a direct viloation of FDCPA. Please deleted account
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVERBANK XXXXI requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate info on all 3 of my credit reports ( XXXX, XXXX, Transunion ) XXXX The account has been paid off and the third party collection agency has deleted their trade line from my credit report. The creditor has agreed to remove this charge off from my credit reports but it is still reporting each month. I have disputed this account through each of my credit reporting agencies but they all validate the data with no changes.
Product: Debt collection

On XX/XX/2018 Suntrust Bank of XXXX Florida hired XXXX XXXX XXXX ( XXXX XXXX Mgr, XXXX at XXXX XXXX, XXXX, FL XXXX ) to repo my car from my driveway at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX   illegally. There is no lien on my newly purchased car. I paid XXXX cash from XXXX XXXX XXXX in XXXX XXXX, FL. I possess a new Florida Vehicle Title that shows clear. This was a bad repo and caused me extreme trouble and inconvenience as well as any forceful damages to my car that they will not release to me from the tow.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. The following accounts have violated my rights : ( Collection ) XXXX XXXX XXXX XXXX ( Collection ) XXXX XXXX XXXX XXXX ( Collection ) XXXX XXXX : # XXXX ( Collection ) XXXX XXXX : # XXXX Upon reviewing my TransUnion credit report on XX/XX/2024, I noticed several inaccuracies and incomplete information. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it is required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual to whom the report relates ( 15 U.S.C. 1681e ( b ) ).

Furthermore, under 15 U.S.C. 1681i ( 5 ), it is stated that : ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the consumer 's file or modify it as appropriate, based on the results of the reinvestigation. 
( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the consumer 's file. 
Additionally, according to 15 U.S.C. 1681s-2, a person is prohibited from furnishing any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I open a U.S Bank account and made a deposit back in 2020. My name was ran and the account was open. A week later I was inform I had a bad account on my XXXX XXXX  report, so m account was closed and all monies was refunded. This was not my fault it was the bank inaccuracies of checking their system when opening the account up. I request that they fix this issue and indicate that this account is in good standing. There is no balance owed at all. I request that U, S Bank resolved and fix the issue so that I can open up a bank account. Please have them removed an negative rating which has affected my chances to open up a checking account.
Product: Student loan

I originally collected students loan from  XXXX   XXXX  for both my   XXXX   and  XXXX  degrees at  XXXX  in  XXXX  and  XXXX , respectively. I started repaying for the first first loan in  XXXX  soon after I completed my   XXXX   XXXX    degree  and continued repaying for both loans in after completing my  XXXX  degree in  XXXX , thereby reducing the principal significantly. However, in  XXXX , due to death in the family and divorce, I had to file f or Chapter   XXXX  Bankruptcy. Even while in  Chapter   XXXX  bankruptcy, I continued paying until my debts were  discharged in    XXXX . During the time that I filed for  Chapter   XXXX ,  XXXX   XXXX  indicated to me that my loan had been paid in full by the guarantor and that my balance is {$0.00}, although per the bankruptcy requirements, I was still paying to the trustee for disbursement to  XXXX   XXXX .     Soon after my discharge in  XXXX , I was contacted by NAvient that they have bought my account and that they will be servicing my loan. however, to my astonishment, the principal balance on my loan had accrued interest and was significantly larger that the balance that I had prior to  Chapter   XXXX , which should have even been lower with the payments that I have made through the  Chapter   XXXX  period. I have tried to work it out with Navient with no success. They keep lying and providing false information. As can be seen in the attached, Payments that I made between  XXXX   XXXX  through  XXXX   XXXX  more than 10 years, have not been shown. I believe the balance on my principal is wrong, significantly inflated and illegal.
Product: Student loan

I am unable to make my loan payment on Edfinancials website. When I enter my information, it says my loan is still in the process of transfer. This has been its status for months. I have called twice a week for the last 3 months, and each time the wait exceeds 4+ hours. The automated system ensured me I will receive a call from a representative once one becomes available, but I have yet to receive a call. Their online chat system does not work, and I have no way of paying my upcoming loan.
Product: Credit reporting or other personal consumer reports

I have been trying to remove the XXXX account on my report for quite some time. TransUnion stated that after investigating it was accurate. I find that hard to believe considering the fact that even me as the alleged owner of the account can not even communicate with XXXX because XXXX has no knowledge of me as a customer. Also TransUnion is wel aware that this collection is well beyond the statute of limitations. It's my belief that TransUnion 's investigation was nothing more than a hoax because neither TransUnion or XXXX has shown me a single document that shows ownership as well as not a single email or call or letter regarding payment at any time.
Product: Debt collection

Social Security : XXXX ; XXXX XXXX. False information ( account was reported opened on XX/XX/XXXX ) ; I did not open any account with XXXX or it's affiliate. I do not know of this debt and the last time I owned a XXXX account was back in XXXX, which I wasn't aware of any debt owed, how come I get a collection reported on my credit seven years later? Please, consumers, need to be protected. XXXX XXXX please remove this information as it is inaccurate and should not be on my credit. No account number listed, but information provided was XXXX, XXXX. Send me detailed information that indicates I own the debt, date opened, break down of all payments, and guide to dispute inaccuracies.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed this information with XXXX prior to repeated phone calls also complain with you # XXXX. Then contacted them again and submitted a identity theft report along with a police report on XX/XX/year> # XXXX. I received a updated reported today and also called them. I am keep being told that those inquiries stem from prior inquiry to me purchasing my vehicle in XX/XX/year>. Which I know was untrue and ask to call XXXX which I did when paying my car note and which I was informed that those companies have no affiliation with them at all. Then XXXX told me to call XXXX back and I did but no change. I called XXXX today and spoke to the fraud department and was told that the inquiries from XX/XX/year> was a previous inquiry to XXXX which it not true. I never applied for a vehicle in XXXX so how could someone know I was looking for a car. I drove XXXX hours out of state to purchase my vehicle and drove it back to XXXX. It make no sense and those inquiries are months apart. It is Identity theft. Me calling, writing letters to dispute, filing complaints etc. I Submitted a Police report and Identity theft report as needed but they refusal is beyond me and is hurting my credit and/ or to obtain credit. 

Please see new Credit Report I received today. Inaccuracies still remain in the brackets
Product: Credit card

I was involved in identity theft and several credit cards were opened or tried to be opened in my name. Several I was denied, and letters came to my house for denials. These were opened in my name, and I have been sent bills to pay that I was never aware of having these cards opened or using them. 

I have not paid any of these, I want them cancelled, my name removed from them, and any derogatory marks removed from my credit score. 

Capital One was opened in my name and I never opened this card or requested it. I received a letter about a credit increase request dated XX/XX/XXXX that I did not request and luckily it was denied. I received a letter stating my account was past due on XX/XX/XXXX, which I new nothing about as I called in XX/XX/XXXX to let them know I never opened this card.I received a bill from them dated XX/XX/XXXX - XXXX XXXX with a past due amount of {$740.00}. I never had a chance to call them again, as I have several other cards with fraudulent charges of over {$21000.00}. These were more pressing and I just want this removed from my credit report and this card cancelled as I am not liable for this one either. 

I have been told not to pay any of these fraudulent accounts by federal agencies, as I am not liable. This is why they are in collections. I pay all of my legitimate bills on time and before all of this happened to me, my credit score was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again with Transunion, my balances decreased, and two collections that did not belong to me were removed, so they DECREASED my credit score. This is totally backwards and keeps happening!! 
I will attach the screen shot showing results of dispute, and where my credit card balances decreased, thus should be INCREASING my score ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # 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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # 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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHYS XXXX Account # 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 an account without my written instructions.
Product: Credit card or prepaid card

I placed an order via the drive thru at XXXX. I did not get what I ordered. I attempted to contact XXXX and got no response. I disputed the charge with the bank and they asked for the same information 4 times while not conducting any type of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letter on XX/XX/2022 to XX/XX/2022 with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute an authorized hard inquiry that has appeared on my credit report on XX/XX/2023 by XXXX 'XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023. While I did provide consent for the inquiry in question, I have reason to believe that I did NOT benefit from this inquiry as I did NOT receive credit from this company. I kindly request that you investigate the circumstances surrounding this inquiry and take appropriate action to address my concerns. As a consumer, I understand my rights during commercial transactions, including credit reporting. According to the XXXX, an authorized hard inquiry should provide some form of benefit or advantage to the consumer. In this case, I believe that I did not receive any tangible benefit, service, or advantage from the party responsible for the hard inquiry, as required by the XXXX. I have reviewed my credit report thoroughly and have found no evidence of any benefit or advantage resulting from this inquiry. It is crucial to note that the XXXX requires a valid benefit or advantage in order for an authorized hard inquiry to be considered legitimate and compliant with the law. Please assist.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 and XX/XX/23 I used XXXX to send {$100.00} and {$1000.00} respectively from my Wells Fargo bank account to my sons Wells Fargo account. My bank statement and XXXX record shows the money was debited from my account as XXXX transfers to my son but the funds were not credited to my sons account. I filed claims with Wells Fargo but they have been denied. Wells Fargo has told me they are requesting the money be returned from the financial institution to which it was sent but can not give me the name of the individual or financial institution. So it seems there is no guarantee from Wells Fargo that my funds will be credited back to my account even though they incorrectly sent the money to the wrong account/institution. This error appears to be entirely their fault as the information I provided for the transfer was correct.