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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear TRANSWORLD SYSTEM INC, I am writing to address the unauthorized reporting of information to my credit report, which is a violation of both federal and California state laws. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Californias identity theft and consumer protection laws, this reporting has been done without my explicit consent.

It has come to my attention that TRANSWORLD SYSTEM INC has engaged in unauthorized reporting to my credit report, violating both federal law and the California Identity Theft Statute under Section 530.5 of the California Penal Code, which criminalizes the unauthorized use of personal identifying information. The FCRA mandates that a consumers consent is required for such reporting activities, as stated under Section 1681b ( a ) ( 2 ).

Furthermore, Californias Civil Code Section 1785.25, part of the California Consumer Credit Reporting Agencies Act ( CCCRAA ), emphasizes that no consumer credit information should be furnished without proper authorization, and such reporting without consent is a direct violation of my rights under both federal and state law.

I assert that I have not provided any consent to TRANSWORLD SYSTEM INC to report any information to my credit report. This lack of authorization constitutes a blatant violation of my rights, causing potential harm to my credit standing, and represents a disregard for the legal protections set forth by federal law and California law.

I demand that TRANSWORLD SYSTEM INC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under Section 1681b ( a ) ( 2 ) of the FCRA and Section 530.5 of the California Penal Code. Failure to comply within the next 30 days will be treated as intentional noncompliance, subjecting TRANSWORLD SYSTEM INC to penalties under applicable federal and state laws, including those governing identity theft and consumer fraud in California.

This is not a negotiable request ; it is a demand for compliance with both federal and state regulations that protect consumers from unauthorized and harmful credit reporting. I expect prompt rectification of this matter, ensuring that my rights under these laws are fully respected. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my XXXX Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective XXXX  my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate XXXX to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX I sent a letter to the XXXX disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the XXXX. Per the Fair Credit Reporting Act, XXXX XXXX ( XXXX  ) ( XXXX ), it is plainly stated you have XXXX days to investigate disputes. If you can not verify the information within the XXXX day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax by phone and letters concerning the issue. I noticed a high number of inquiries on my credit report and asked them to investigate. They said it would take 30 days, it has been beyond 30 days and I have had no response or proof of how the unauthorized inquires got on my credit report. This is against Fair Credit Reporting Act. I would like the inquiries below removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo is the bank I use for checking account. They applied an overdraft fee on a charge when there was money in the account pluss money deposited in addition. On three consecutive days there was an ending positive balance for items to clear, even after they applied a {$35.00} overdraft fee on the second day. 

They will not return the overdraft fee, even though the money in the account covered the items, which they say was overdrawn with a positive balance. The account was not overdrawn after the transaction was drafted and the days after they applied the fee. The account still had a positive balance after they applied the fee. They will not honor my request for fee refund and only say the allow one fee return a year for banking errors.

Banking errors in general should never have a cap of one a year to begin with, it the banking system error!!
Product: Credit reporting or other personal consumer reports

My question that i have to ask is why are these accounts coming back as verified? I've provided proof along with an report. Its been going on for 3-4 months with no results yet of these fraudulent accounts being deleted from my file. There are even balances that are reporting {$0.00} that i didn't open but is still showing closed when i never opened it. why can't these items be removed? they are destroying my character and causing me very hard time with wanting to apply for things but knowing i cant because my report is horrible. remove these items quickly because this isn't making any type of sense.
Product: Money transfer, virtual currency, or money service

I have filed a complaint against Western Union.

Western Union Reference Number : XXXX I am trying to get a refund on {$3000.00}, however, no Western Union branch is willing to give the money. I went to 12 different locations including check cashing service, grocery stores. All locations denied to give out cash. 

I have sent an email to Western Union 's Executive resolution department but they are useless. I have sent an email to Western Union 's executives but to this day, nobody contacted me. I have emailed to many executives including company CEO, Mr. XXXX XXXX. 

I don't know how can Western Union stay in business when you can not even get {$3000.00}. What is the point of sending the money and paying {$75.00} for their useless service. 

XXXX XXXX XXXX
Product: Vehicle loan or lease

Ally Bank Has Criminally Financially EXPLOITED me Via a non consensual Fraudulent Automobile Loan Wherefore they forced ( 2 ) Two Test drive vehicles they forged in the Financial Invoice as a LEGAL Transaction. I have one test drive vehicle to DATE since the Fraudulent Sleazy Con Artist Job in Conjunction with Ideal XXXX XXXX XXXX On XXXX XXXX XXXX MD. I traded in my beautiful mint condition XXXX XXXX XXXX XXXX, requested a XXXX XXXX XXXX XXXX trade in. XXXX Was obliterated from my Customer Request & launched out with a XXXX XXXX XXXX I NEVER bought or agreed to concur to the purchase of. I clearly stated with the flyer ad from the ideal XXXX XXXX XXXX that the {$7000.00} Off any vehicle there I wanted ONLY the XXXX XXXX XXXX XXXX  With my {$7000.00} discount flyer. The dealership & Ally Bank Have, to DATE, financially EXPLOITED me with a cheap XXXX XXXX XXXX, worth {$7000.00} & I Was Wrongfully Financially Exploited For ( 2 ) Two Test drive vehicles. The XXXX XXXX XXXX XXXX the Dealer Told Me to test drive while they tried to call find a XXXX XXXX XXXX XXXX For me XXXX 2013. I Was financed Fraudulently by Ally Bank for a XXXX XXXX XXXX " Recall '' & the XXXX XXXX XXXX I NEVER requested to purchase. Ally Bank owes me for financing 2 test drive vehicle models I Was ONLY Test driving as they Demanded I Try the XXXX XXXX XXXX while they looked for the XXXX XXXX XXXX I requested to distract me Obviously, knowingly. They kept my mint condition XXXX XXXX XXXX & did n't get Credit for it on Wrongful Fraudulent transaction 4 financial Fraudulent invoices I 'm paying on with Fraudulent Ally Bank. I DEMAND a 100 % full refund of Fraudulent Auto Loan For 2 years I 've paid for & my value of my XXXX XXXX XXXX XXXX from Ally Bank ASAP.
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 


Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!
Product: Vehicle loan or lease

Purchased a motorcycle from a private seller that has his loan through Harley Davidson financial services. Purchased it on XX/XX/2020. Our credit union paid off his loan with HDFS on XX/XX/2020. 

Since the purchase I have been unable to register the motorcycle in the state if Illinois due to HDFS dragging their feet on releasing the lien and sending the title to me. On XX/XX/2020 the state of Illinois raises the taxes, title registration and license plate fees by 50 % which will cost me several XXXX dollars more to register than if this had been completed in a timely manner. As of this complaint it has been 14 days since HDFS received the payoff and credited the account as paid off. 

HDFS must either expedite the handling of the title and release of XXXXien,  or agree to pay the extra costs associated with the registration and tax process, as it will be a result of their slow response.
Product: Checking or savings account

On XX/XX/year> I submitted a claim through Wells Fargo regarding an unauthorized transaction which occurred through XXXX XXXX in the amount of {$400.00}. Someone hacked into my account and transferred money to someone that I dont know. I provided Wells Fargo all the details necessary yet they declined my claim. This is very frustrating as Ive been banking with Wells Fargo for years. Im really hoping to get some resolution with this claim. Any assistance would be greatly appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, an I am submitting this comlaint myself to address the inaccuracies on my Credit Report. I am submitting this complaint to inform the Creidt bureaus that I was the victim of identity theft. I researched on how to remove the fraudulent information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance : {$85.00} XXXX XXXXXXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXXL ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$170.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Subject : Dispute of Inaccurate Information on Credit Report Violation of FCRA and 15 USC 1681i I am writing to formally dispute the presence of a collection account on my credit report, which has adversely affected my credit standing. This dispute is based on the grounds outlined in the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX, which grant consumers the right to contest inaccurate information on their credit reports. Upon reviewing my credit report, it has come to my attention that your collection entry appeared without any prior notice sent to me. This lack of notification is concerning as it contradicts the provisions of the FCRA, which mandates that consumers be informed before negative reporting is included in their credit files. On XX/XX/XXXX I spoke with XXXX XXXX XXXX XXXX ( UAS collection agent for XXXX ) who stated the company auto enroll everyone in to paperless is the reason I was not notified of any payment, he then updated the account from paperless to grounding and provided me info to access my account ( which I was not aware of nor had any information when, where or how to access ). I graduated in XX/XX/XXXX, I have no knowledge of this debt until XX/XX/XXXX. I tried to resolve the issue but XXXX and account manager for UAS stated they cant help me. I reach out to XXXX and they told me that UAS is the one who does the investigation not XXXX and then UAS will provided XXXX with the results. That does not sound like a proper investigation to me nor did I receive written proof of any investigation help by XXXX or UAS. I have requested proof of allege debt and I have not been supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Moreover, the reported information suggests that I was XXXX days late for XXXX consecutive months. That can not be accurate according to simple math. If I had been notified of any payment to a debt, I would have fulfilled my obligations. I kindly request that you provide the following documents : A complete account history detailing the nature of the debt. The original signed contract or agreement related to the alleged debt. Any documentation proving that the debt is legally assigned to your agency. Proof of your agency 's license to collect debts in XXXX  Per the FCRA and 15 USC 1681i, I expect a thorough investigation into the accuracy of the reported late payments, followed by the correction and updating of my credit report.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
US DEPT ED XXXX {$3400.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$4100.00} US DEPT ED XXXX {$1600.00} US DEPT ED XXXX {$3300.00} US DEPT ED XXXX {$7600.00} US DEPT ED XXXX {$5400.00} US DEPT ED XXXX {$4100.00} US DEPT ED XXXX {$1300.00} XXXX XXXX XXXX Balance : {$22000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, and XX/XX/year>, I received text messages from XXXX ( which I subscribe to ), that short term loans have been taken out.

I sent in information to XXXX, freezing my credit report with them, along with freezing credit with : Equifax, XXXX and XXXX. 

I have no further information for this, but it was not created by me. 

Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had a late payment entry on an account I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility with Maximum Accuracy. I have never been 30 days late on payments for XXXX XXXX  Account. Please investigate and provide proof showing where I made a late payment. If proof can not be provided I demand this late payment error be updated to show on time as I was never Late.
Product: Money transfer, virtual currency, or money service

Paypal has refused to refund a fraudulent transaction not undertaken by me the account holder. Both Paypal and my attempts to contact the receiver have been met with no response and Paypal insists that there has been no fraudulent activity on my account and has closed my case. I am now out {$XXXX} which I am unable to get back.
Product: Credit reporting or other personal consumer reports

Recently I went over my Equifax consumer report and discovered that there is multiple collections accounts and inaccurate information reporting that's negatively impacting my credit score. There are collections agencies that are reporting debt to the credit reporting agencies but had no prior consent or authorization to obtain nor share my personal information. I am aware that I have a right of privacy in accordance of 15 U.S. Code 6801 - Protection of nonpublic personal information, in which sharing my personal information they. violated 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. I have no knowledge of the creditors that obtained my personal information nor did I give them consent to report any debt. The debt that they're seeking I refuse to pay. After reaching out to the creditors asking them to verify any alleged debt, they failed to provide any contracts or agreements between us. I asked Equifax to report accurate and verifiable information only. Equifax is reporting this account to my consumer report without having any proper verification documents. Violations committed by both Equifax and the Creditors reporting the alleged debt : 15 U.S. Code 6801 - Protection of nonpublic personal information, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681 - Congressional findings and statement of purpose
Product: Checking or savings account

On XX/XX/scrub>/2025 I was expecting my direct deposit to hit my account. I made a promise to pay my car note of {$690.00} and my rent for {$1200.00} to avoid eviction. I did not receive any information from Capital One apologizing for inconvenience or alerting its costumers of any issues with their third-party vendor. I had to find out through XXXX XXXX and XXXX XXXX which is unacceptable. I have bills that need to be paid and obligations to meet that is going to cause more damage than good.
Product: Debt collection

Portfolio recovery has recently been involved in a class action lawsuit for using outdated statement of claim in Georgia Magistrate Courts. I was included in this class action suit per Portfolio Recovery sued me for an alleged debt that I disputed and did not owe. They settled this lawsuit to avoid litigation, but continues to report this debt on my credit reports It is listed on my XXXX credit report as an open account with {$850.00} owed, but is showing on my XXXX credit report as still open with only {$600.00} owed. I have not made any payments to this company towards this account per I have disputed it several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Credit Reporting agency is reporting inaccurate information for a balance and account opening date. This information is being reported as derogatory. As a result, negatively impacting my credit.
Product: Debt collection

my dad had XXXX XXXX XX/XX/XXXX.XXXX has continued to bill him even though I paid a {$220.00} copay and XXXX paid a {$180.00} copay.It has gone to collections wrongly. XXXX XXXX was paid in full in the amount of {$800.00} because I did not know there was an ambulance benefit.XXXX now says the debt is settled.XXXX XXXX also never made a claim with XXXX, probably because they liked my payment of the balance than a copay from XXXX. I have copies of all the bills and payments.I feel like they are targeting seniors. I wish they would get audited to prove me wrong. I find it hard to believe we are the only ones they are doing this to.