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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Transunion for them to remove the account and information that resulted due to the theft of my Identity. The last letter I sent to Transunion was XX/XX/XXXX with complete attachments of my Personal information, but despite all my efforts, Transunion seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Transunion investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. Transunion is given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Transunion to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT TRANSUNION REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

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!

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX XXXX - XXXX {$14000.00} XXXX - XXXX {$4900.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX  {$2300.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1500.00} XXXX - XXXX {$4900.00} XXXX - XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$620.00} XXXX - XXXX {$2300.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX {$6300.00} Accounts : XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX  {$2300.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection/Charge Off : 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 


Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

The remitlyfinance.cm is a fraud and it has nothing to do with remitly.com. It advertises loan availability for remitly customers once you enter email and password it will hack and start transfer to someone in foreign country. Im lucky because I have no money in my bank so all transfers failed, I already changed password and notified remitly rep for the issue
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a purchase of clothing from XXXX XXXX for a total of {$840.00}. However, upon receiving the order, I found that the clothes did not fit me properly. As a result, on XX/XX/XXXX, I initiated a return order, which incurred a {$5.00} charge for the return of the products. The parcel was successfully delivered to XXXXXXXX XXXX XXXX warehouse on XX/XX/XXXX at XXXX XXXX as confirmed by the proof of delivery provided by XXXX. 

After waiting for a week, I contacted the customer service department to inquire about my refund. They informed me to wait for a couple more weeks. Following their instructions, I waited patiently, but when I reached out to them again, they insisted that they were still awaiting receipt of the returned products, despite XXXX providing proof of delivery to their warehouse. They expressed their inability to assist me further. 

Due to this unresolved issue, on XX/XX/XXXX, I decided to file a chargeback dispute with Discover Bank. Since then, every month, my bank has temporarily credited the disputed amount back to my account based on the evidence provided by XXXXXXXX XXXX However, upon reviewing the paperwork each time, I noticed that it never addressed the actual issue I raised, which was that the products had been returned to their warehouse. It is particularly disappointing that XXXX XXXX consistently sent the same documentation to my bank, which failed to address the core problem I experienced as a customer and my bank also failed to review the paperwork diligentlynamely, the return of the items to their warehouse.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, i reached put to DT Credit about an inquiry that shows up on my credit report for XX/XX/19. i did not authorize this transaction and i kept being put on hold. i would love this unauthorized inquiry to be removed. that's illegal to use some one information without there consent
Product: Debt collection

Name of company : Medical Data Systems inc/ XXXX XXXX XXXX Phone number : ( XXXX ) XXXX Company location : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date : XX/XX/2022 XXXX XXXX/Charge off Amount XXXX This company has manage to report a XXXX charge off / Collection on my account Ive tried to get in contact with them to resolve this issue they didnt respond. They also sold my debt to another company.
Product: Checking or savings account

On XX/XX/2022, a series of transactions were drawn from our business banking account. These transactions are occurring on bank cards that have never been activated. I submitted a dispute to Bank of America on XX/XX/2022 for each of these transactions and they appear to still be occurring from an overseas vendor. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I called Bank of America-Business banking and reported the transactions as fraud. A claim was submitted on my behalf by the representative to dispute the transactions. When I called to shut down the account, I was advised that our checking account has not been compromised. The cards were compromised only. New cards were dispatched. However, this type of fraud on a business account is extremely concerning since the compromised cards were never activated. I was also advised that it may take up to 90 days for the claim to be reviewed/approved. Note : I did not pick up either the new debit cards or the old debit cards until Thursday, XX/XX/2022. All 4 envelopes were sealed and appear to be uncompromised upon pick up.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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 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 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 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 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 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 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 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 XXXX
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : 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.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Mortgage

I have been trying to get a loan modification from Bank of America for my Home Equity Line of Credit since XXXX of 2015. To date I have not been successful. I had been paying interest only payments on the loan of around {$420.00} per month. In XXXX of 2015 the Bank sent notice that the payments would increase to a little over three times the payment I had been making. A new payment of {$1300.00} My circumstances have changed significantly since when I originally took out the loan. I was XXXX that rendered me XXXX and unable to work. I had to retire on a small pension. To start the loan modification process, the Bank asked me to provide extensive financial information : monthly income and expenses, tax records, ( which had been destroyed and I am just now recouping ), retirement and XXXX records. I provided the Bank everything they asked. At times, they asking for the same thing XXXX and three times, from the initial contact until now. The new payment amount of {$1300.00} I can not afford to make along with my monthly medical expenses, rent, insurance, food and transportation, all of which are going up and XXXX for benefits did not this year. 
I will be forced into foreclosure for sure. When I asked for the modification under hardship, I wanted to lower my payment to make it affordable, i.e. a lower FIXED interest rate and extend the loan term. 
BANK CONTACT-XXXX
Product: Debt collection

I received a call in XXXX of 2016 from Caine Weiner saying they were debt collecting for a debt I asked for proof of a debt they said I need to request it in writing they would not accept my written request. I then faxed, emailed and mailed a request and received. Itching. On XXXX XXXX approx I XXXX a {$60000.00} collection item on my credit report stating it had been " verified '' I have never received any proof of this debt as I demanded In writing in XXXX and they have continued to attempt to collect outside of the 30 days without providing documentation
Product: Debt collection

Violation of FCRA delete this account immediately. Inaccurate data reported. Account profit/Loss write off. still updating last date of activity. should have a XXXX  balance, with a Charge off Profit/Loss Reporting to XXXX  and XXXX  different dates of DOLA, etc..
Product: Student loan

There have been many issues with this 3rd party ; but the below is just for the new/continuing issues : 1. ECSI has another billing discrepancy : ECSI tried to charge me {$10.00} for a " letter ''. This " letter '' was most likely an account payment history ( an audit ) that I requested ECSI-Heartland provide, because ECSI messed up my repayment plan of my private, zero APR student, loan once ECSI took over receivables last year from the previous and defunct company. The mess-up is changing my APR from 0.00 % to 5.00 % and changing the billing period from quarterly to monthly. 
In rectifying the problem, it took a significant amount of my time and hassle to get both ECSI and XXXX University to see and admit the mistakes made and change the billing back to 0 % apr and quarterly billing. I had one more unresolved issue with ECSI ; that they explain or prove that my principal amount was not also messed-up and error free. I requested ECSI to conduct an audit on the account. All representatives told me I could do it myself. I continued to push and finally another rep said he could provide an account payment history. I told him that this would suffice as there 's nothing else they offer todo in wake of all their other previous errors on the account. 
Now today, when I called asking why my paper statement shows a balance of {$150.00} due BUT my online statement shows {$160.00}, the rep told me its because XXXX University can assess charges to the account for incidentals in accordance to the promissory note. ( Never mind that I do not have this promissory note and ESCI also does not have a facsimile. XXXX University also indicated, when I asked months ago over the phone, that they will not provide the promissory note. And moreover, XXXX, the head of student finance, will not return my phone calls or emails. ) Back to ECSI, after the rep refunded me the charge as " a one time curtesy '' I instructed her that I did not ask XXXX University to provide this " letter '' and that I also have no contract or any other agreements with ECSI ; so ECSI can not charge me except according to the promissory note. 
2. ECSI is still showing an incorrect mailing address. I did receive notice of a bill to my current home address of XXXX, XXXX TX XXXX. But ECSI 's online portal shows XXXX XXXX NY XXXX. I have n't been at this address in at least a year. but ECSI still has it and despite all of the back and forth with them last summer. 
3. ECSI 's online portal is terrible : I believe their XXXX app and database are a security vulnerability too from the numerous times one must login for unknown reasons ( not a time out issue ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that haven't been any activity since XXXX and I'm trying to fix the Inactivity 's and Wrong Information that's being reported Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of - ( XXXX ) appropriate proof of the Identity of the consumer : ( XXXX ) a copy of an identity theft report : ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ). 

The COLLECTIONS BELOW SHOULD BE DELETED AND REMOVED : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX AND ALL INQUIRIES ON THE REPORT.
Product: Student loan

The pay back amounts are totally unmanageable! The amounts change from day to day! Never get the same information from anyone. The amounts are different each call.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

Hi, I repeatedly get calls at my employer after asking this company to not contact me at work. They call several times per day. They have not provided me with any written verification of any debt owed to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made a transfer to through remitly financial service. It shows on their website, money is ready for pickup ..however the bank said they do not see any transfer. It was a failed transfer. how can a reputable financial service fail to communicate efficiently with a bank electronically. They inconvenienced my family, and the bank still did not release the money i sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, Has Failed to provide the following documents ; A wet inked contract with my signature on it. I have requested this document 5 times now and they have not sent into me. 

On the bill they attached to the CFPB complaint the address was incorrect and that address does not belong to me. 

Also, the amount that is showing on the bill is attached to the CFPB is showing an amount of {$230.00}, but on my credit report the amount is showing {$990.00} Per 15 U.S. Code 1679c - Disclosures, I have a right to dispute inaccurate information in your credit report.

This collection only shows up on Equifax and does not show up on my other 2 report. Which this is false and misleading information.

Nevertheless, it's against HIPAA laws to share information with 3rd party collection companies.
Product: Debt collection

Finished paying my car insurance for the year but they charged me {$260.00} for a renewal fee and I decided to not renew but I completed my payment and transferred to a new insurance company that same month Then they sold the debt to a third party company and is harassing me