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 XXXX Laws Dear TRANSWORLD SYSTEMS INC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), particularly under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with XXXX  identity theft and consumer protection laws.

It has unequivocally come to my attention that TRANSWORLD SYSTEMS INC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). Additionally, XXXX laws protect consumers from unauthorized use of personal and financial information. Under XXXX Identity Theft Statute ( 18 Pa. Cons. Stat. 4120 ), it is illegal to use another person 's identifying information without consent, which applies to unauthorized reporting of credit information. 

I assert with unwavering certainty that I have not provided consent for TRANSWORLD SYSTEMS INC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that TRANSWORLD SYSTEMS INC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX relevant identity theft and consumer protection statutes. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including XXXX identity theft laws. 

Obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and XXXX state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that TRANSWORLD SYSTEMS INC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit card

I legally settled a credit card account with Wells Fargo Bank on XXXX/XXXX/14. The balance at time of settlement was {$13000.00} and I paid, per our settlement agreement, {$6700.00}. The amount they subsequently wrote off was {$6700.00}. I have attached a Satisfaction letter from Wells Fargo as proof that the account is fully satisfied, however, Wells Fargo continues to report a balance in the amount of {$6700.00} for this account to my credit report at all XXXX of the major credit reporting agencies XXXX XXXX XXXX. Obviously this is harming my credit significantly. I have disputed this account both with the credit reporting agencies and, subsequently directly with Wells Fargo but they arrogantly do not respond to me with explanation and continue to reporting this balance, even though they clearly know they are reporting in error. To my understanding, this is a blatant violation of the Fair Credit Reporting Act. I have also attached the XXXX letters that I sent directly to Wells Fargo, informing them of their error in reporting.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Equifax 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 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, XXXX, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Date Opened XX/XX/2021 Balance : {$410.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' the collection account XXXX XXXX XXXX Acct # XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also for them to identify the company they are using to erroneously verify incorrect reporting. Equifax has misled and deceitfully reported information that they have not properly investigated or has purposefully not been forthcoming with their inability to produce accurate paperwork detailing account information. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Equifax refusal to supply this information yet still report false information has harmed my credit and therefore makes their actions illegal.

I demand that Equifax cease reporting this false information. This is my fourth and final attempt to have this false information removed from my credit file. I attend to take legal action under the protection of Fair Reporting Credit ACT
Product: Credit reporting or other personal consumer reports

1. XXXX XXXX Account Number : Amount : {$7300.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account XXXX : Amount : {$820.00} Date Opened : XX/XX/XXXX 3. XXXX XXXX XXXX Account Number : Amount : {$4000.00} Date Opened : XX/XX/XXXX I request that these accounts be deleted from my credit file because they are fraudulent and do not belong to me. These entries are creating unnecessary stress in my life and preventing me from moving forward. I am requesting that they be removed so that I can continue to make progress with my goals without further setbacks.
Product: Checking or savings account

In XXXX Wells Fargo took out 2 payments to XXXX XXXX XXXX was for XXXX to cover a repossession charge. The other was an incorrect amount of XXXX which was done in XXXX. The Bank processed both payments the same day. I called them the following day to let them know one transaction was inaccurate XXXX WELLS FARGO HAS REFUSED TO ACKNOWLEDGE THIS ERROR AND SAYS TRANSACTION IS AUTHORIZED. 
I told Wells Fargo that I am not going to pay XXXX XXXX XXXX in the same month and now it's been back and forth since XXXX to make sure the Bank is not taking out the amount that I told them was in error. So far they keep taking out the money I have disputed for more than 2 months now which has led Wells Fargo to overdraft my account and keep insisting the transaction is authorized when I have informed them it's not. 
This has been going on for the past 2 months and no resolution with the bank. I know my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made disputes to both Experian and   XXXX   regarding information reported on my credit file that is not correct. Experian made it difficult to confirm my identity because they are relying on fraudulent accounts as verification. I have submitted several disputes and made phone calls to  XXXX  and after a re-investigation, I received an email that advised me to call   XXXX    for further information if I still dispute the item. When I called  XXXX , they stated that the collection agency " verified '' that the account was in fact my account. When I asked what was the proof that they provided, I was told that the collection agency confirmed that the account in question was associated with my social security number. Well of course it is, that is what I am complaining about ; someone using my " identification '' fraudulently. That is the basis of the dispute.  XXXX  stated that I would need to contact the collection agency because they believe the collection agency. This is the proof? that the social security number belongs to me? I contacted the collection agency "   XXXX   '' and they stated that the account is being reviewed by the fraud department but it appears to be my account. I provided a police report number and information forwarded to me by the police department. The reporting agencies refuse to remove false information and I am losing money by purchasing different credit monitoring companies to gain a way to dispute these items. The collection agency states that they will send an update to the address on file. The address on file for a cable bill. I reiterated that I never have lived at that address, let alone the city where the fraud occurred. Where is the proof from these companies. I must show the burden of proof, not them. I was never notified of a bill, therefore a collection was reported on my credit file without my knowledge, and now that I know there is such a collection, they ignore the facts that prove it is not mine. I have researched the address and found the name of a person who lived there during the time of the fraud. Neither the reporting agencies or collection agencies perform due diligence.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for XXXX purpose.
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 XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXXXXXX XXXX XXXX XXXX  Account Name : XXXXXXXX XXXXXXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX. Has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things that are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i ( 5 ) they are suppose to do this ( 5 ) treatment of inaccurate or univerifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the informationhas been modified or deleted from the file of the consumer.

And according to 15 USC 1681- 2 they are suppose to not furnish any information relating to a consumer reporting agency if the person knows or has resonable cause to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have sent 5 disputes so far letting Inflection know there is outdated and inaccurate information that is over XXXX XXXX XXXX, appearing on my credit report. Record XXXX XXXX XXXX XXXX : Court Name XXXX XXXX XXXX XXXX XXXX case # XXXX. The Disposition, Offense Level and Dates showing! This is affecting my employment and loss of cash flow! In addition Inflection XXXX says Inflection has failed to send updated credit reports to from disputes in XX/XX/year> so they can make a decision. ( See Screenshot )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was contacted on several occasions regarding bills not being received and failure to update address and fix credit reporting. I applied over the phone for a payment plan on both accounts and was told I might qualify for XXXX and I should receive something in the mail for a XXXX a month payment that I had asked for. I never received anything in the mail and was told by a manager that hr would update both credit reports back 60 days and even sent letters and this has not been done by the creditor. The creditor never updated my address properly after three requests causing my accounts to be reported negatively. I was told by the manager to make a XXXX payment and that my next bill should reflect the new amount if the program was approved. I never received a bill with XXXX a month. I have attached two of the bills that the creditor has sent me in a recent response, so the creditor is aware of the fact that they failed to send proper bills. No, I do not want my terms of the payment plan agreement outlined in my bill in which XXXX XXXX sarcastically stated. I am a XXXX XXXX XXXX XXXX and I rely on promo and correct billing. Sometimes a third party pays bills and this is required. The law requires accurate billing to be sent to the consumer 21 days prior to the due date XXXX XXXX has failed to do this on both of my accounts. I have started a legal process against XXXX XXXX. If this is resolved the process will be withdrawn immediately. I have contacted XXXX XXXX about its fraudulent reporting to the credit bureaus on numerous occasions. Also, the company charged off my account knowing they did not send of the proper billing statements that are required by law. XXXX XXXX XXXX XXXX states that it is not the companies process to send out correct billing statements. Please update my reports or I will have no choice but to take you to court and I will definitely win. XXXX XXXX did not send out the required bills to receive payments.
Product: Credit reporting or other personal consumer reports

I made numerous attempts to request information from equifax proving that i have any obligations to them. In other i requested for equifax to cease and desist all communication with any creditor releasing my information. they failed. this is another attempt to rectify this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FINANCIAL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I asked Experian and the other two reporting companies to remove my Hard Inquires, late payments, and the closed account which is affecting my score and my chances of getting a business loan for my company. I told them that they violated my rights under 15 U.S. Code1681 ( c ) 2, 15 U.S.Code 1681, 15 U.S. Code 1666, 15 U.S. Code 1666 ( b ), Experian even locked me out of my account and said I had to pay to access any of my information.
Product: Credit reporting or other personal consumer reports

I was denied credit in XX/XX/2024 due to my reported Trans Union credit score of XXXX, yet when I review my credit score on a consumer site ( XXXX XXXX ) my score is reported as XXXX. 

Why are there multiple scores? How can a consumer manage their credit with hidden numbers being used to decide creditworthiness?
Product: Credit card or prepaid card

Pursuant to 15 USC 1602 ( p ), American Express has exercised unauthorized use of my open end credit account, and restricted spending on my open end credit account without my consent to decrease and restrict my limits.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Reports on Credit Ratings are incorrect. XXXX billing department reports delinquent past XXXX payment of {$130.00}. However, no such payments were due. There is a direct debit payment plan set up with the Bank for required amount each moth. No payments have ever been missed. Also there is a past complaint of a dispute with XXXX in reference to a Laptop returned due to Problem. This complaint was filled with XXXX over 3mths ago. No credit for the amount paid for this Laptop from XXXX. Amount still showing on my account with XXXX
Product: Checking or savings account

I took my direct deposit out of Chime due to another issue I had where they took money from my available balance for XXXX because of a duplicate charge and after the charge was no longer pending, the money was never added back to the account. They also caused complications with my account from that merchant and I received a refund for a charge that was authorized. 

However, the institution I switched to was worse. So I switched my direct deposit back to chime immediately. I have access to their My Pay feature for a cash advance. I owed Chime {$120.00} plus a {$2.00} fee. The feature was never taken off my account. Only 2 direct deposit payments were not added to my account, so i figured this would not be an issue. Not only that, i did not take the entire {$120.00} out of the feature at one time. 
When my direct deposit posted to my Chime account on XX/XX/year>, within 1 minute, they took the entire {$120.00} out of my {$260.00} deposit. However, I am not able to access a cash advance at all. They are now telling me that I need two qualifying direct deposits within the precedent 34 days. In their My Pay system, it's still saying that I received my last direct deposit on XX/XX/year>. When I call the company to ask why the information is updated everywhere on their website. Except for in my pay, they never answered the question period they also repeat themselves. Not only that when I contact chime about this issue, they have hung up on me twice, saying they had to due to quality issues when you ask for someone who is in a higher position, the person who answers the phone says that they are the highest rank. I need assistance with this. Because it is starting to look like the XXXX XXXX XXXX XXXX is also working with.them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally got Avio Credit in XXXX of XXXX and had the account for a few months before I fell on hard times.The account never shows any of my on time payments. The account then started to show late payments which I understand, but they have consistently reported late payments throughout all of XXXX, XXXX,. XXXX, and XXXX of 120 days late. I have tried disputing the information as inaccurate on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but to no avail. The item should have been written off as a charge off from what I read online. But I read on a credit forum that they are doing this to keep the account active and get around the stature of limitiations and also the 7 year rule for Credit items. This is highly illegal which violates the FCRA and FDCPA on a state level and federal level but keeping the item active. When I log into my XXXX  report it does not even state the date the item will fall off because of what they are doing. They are purposely keeping my credit low with late payments and dragging it out to keep my scores low.
Product: Mortgage

I began the process of refinancing my home with " Freedom Mortgage Company '' on XX/XX/2021. After submitting ALL the documents requested by Freedom Mortgage, the company was negligent with the handling of my loan. They would ask for the same documents over and over again because they would pass my loan to several agents within the company. As a result of this process, seven months has gone by and TWO appraisals and one termite inspection that I paid for expired. Freedom Mortgage requested that I pay for and submit a THIRD appraisal and SECOND termite inspection. At this point I am cutting ties with Freedom Mortgage and requesting to be reimbursed for the money spent.
Product: Checking or savings account

Capital One withheld direct deposits from employers since Wednesday afternoon. No update was given until late Thursday evening. Had to find out the problem via twitter and not my own banking company. As this message is being written, the situation has still not been resolved.