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

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I am expecting that this will be repaired ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This complaint is from me a human person XXXX XXXX not a company or any other thing like that this is a formal complaint i used the templates provided by the ftc. I submitted a identity theft affidavit to the credit bureaus asking them to remove accounts that are identity theft, its my understanding that per the fair credit reporting act they have XXXX days from the date of receiving those letters to remove those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquires on my credit that were not authorized and some of the companies ran my credit several times without consent, even when I am searching for a vehicle I ask that my credit is not ran by multiple companies and they are required to let me know which companies they are authorizing my credit to ran by. Below I have provided a list of inquires that were not authorized or either ran multiple times within the same day. 

XXXX XXXX-Multiple times XXXX XXXX XXXX XXXX-Unknown XXXX XXXX-Multiple times XXXX-Multiple times XXXX-Multiple times XXXX XXXX-Multiple times XXXX XXXX-Multiple times XXXX-Unknown XXXX XXXX-Multiple times XXXX-Multiple times XXXX-Unknown XXXX XXXX XXXX XXXX XXXX XXXX-multiple times XXXX XXXX-Unknown XXXX XXXX XXXX-Multiple times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnknown XXXX XXXX-unknown, multiple inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX-Multiple times under different names
Product: Vehicle loan or lease

I contacted Ally Financial on XX/XX/2023 regarding my auto loan payment ( {$340.00} ) for the month of XXXX. I contacted the company through the customer website and engaged with a chat representative. I requested that the XXXX payment of {$340.00} be deferred and moved to the end of my loan. The chat representative initially communicated that I may not be eligible for a long term deferment but I clarified that the payment deferment was only for XXXX ( due to a hardship ) and that I would resume my excellent payment standing immediately when the XXXX payment was due. 

The chat representative confirmed that the payment deferment was submitted and approved. I requested and had the chat rep reiterate my request and the confirmation of the approval again to ensure that it was documented accordingly. 

I begin to receive text messages alluding to my XXXX payment being late but when I received a phone cal from Ally on the morning of XX/XX/2023, I contacted the company again via chat to find out what was happening. I was connected to a chat representative by the name of XXXX. I explained the situation and was advised that my request for deferment/extension was submitted for manager 's approval but was rejected. 

I advised XXXX that the previous chat rep confirmed my deferment approval through the previous chat and that Ally hadn't communicated any rejection to me via phone, chat, email or US mail. XXXX then offered to raise a new extension request for me. I agreed and stated, as I have an excellent payment history with Ally, I can and will continue to make my payments on time but the previous chat representative and Ally 's error was completely unacceptable. XXXX didn't respond any further, in fact he disconnected from our interaction. 

I called the customer service number XXXX immediately and was on hold for an hour and a half with no assistance. I just kept getting " You call is important to us, please hold for the next available agent ''. No one is answering the customer service/billing lines. I tried to use the " Email '' path to get assistance but it gave an error message that the request can't be completed at this time or to try again later. I have attached the chat conversation from today, XX/XX/2023. I have also included error message from the email ( contact us ) from the website that i received today as well. 

I have made my payments on time and my credit standing shouldn't be endangered by this complete and utter lack of customer service and business protocols by Ally Financial. This has put me in a unfortunate position that I hope to soon rectify but this incident is completely unacceptable towards me as a protected consumer. I would humbly and greatly appreciate assistance please in resolving this issue, as I can get no methods of resolution from Ally.
Product: Mortgage

We have a mortgage with Chase Bank. We have suffered a financial hardship that has caused us to fall behind on our mortgage. We want to keep our home but have exhausted all our efforts trying to work with Chase and staff. It has been extremely difficult getting past all the red tape and we are concerned that Chase will wrongfully foreclose on our home, due to no fault of our own. I have applied for a modification at least XXXX times with no success. At this point we are n't allowed to make any sort of payment. We will what they are doing to us is not fair and is not giving us a very fair chance. We are desperate in efforts to try and keep our home but feel they are n't giving us a fair chance in doing that. We have been put on a couple different re-payment plans that are extremely outrageous and we would not be able to provide for our family with paying those payments. All we are asking is for a fair chance in keeping our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following has been reported on my credit report without written consent. On XXXX XXXX XXXX XXXX XXXX XXXX reported XXXX XXXX XXXX XXXX XXXX dollars. They also reported XXXX XXXX XXXX XXXX  on on XXXX XXXX. On XXXX XXXX XXXX  reported XXXX XXXX XXXX XXXX XXXX  dollars. On XXXX XXXX XXXX XXXX reported XXXX XXXX XXXX XXXX dollars and XXXX reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 - A bank impersonator entered all three accounts, added mobile deposits, and processed through not from my phone. 2. Moved payments from all accounts to the account attached to my cash app account. 3. Deposited into my cash app account in the amount of {$1200.00}. 4. Withdrew {$1200.00} and sent it to XXXX XXXX ( $ XXXX ). Cash app support keeps giving multiple questions from different Bot chatters. Each Bot Rep keeps denying my claim for not answering their questions. I have answered the questions in the order I received them. I keep getting the following general message in my email. Hello, my name is XXXX, and I am your Cash App Account Specialist. Thank you for providing that information. We compared the transaction you brought to our attention with your account history. Based on the information you provided, our investigation led us to determine that this transaction ( s ) was authorized by you or someone authorized to use your credentials, and no error occurred. As a result, your claim has been denied and closed. 
Desired settlement : Refund : Report to XXXX XXXX that I did not authorize the charge, which was FRAUD. 
Money paid to business XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. 

I have not given you written permission to put anything on my credit profile. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following account/s : OAG Child SU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This agency is in violation of 15 USC 1692g.
Product: Credit reporting

I contacted Transunion in XXXX of 2016 to request that the " any open disputes and all corresponding dispute remarks be removed from my credit file as I am no longer disputing any accounts on my report ''. I was told over the phone that all dispute remarks and disputes were removed as I waited on the phone. 

I then called today XXXX and spoke with Transunion again as I have been told by my banker that the disputes and dispute remarks are still showing up on my credit report.. I was told this morning by Transunion that there were none showing. 

I then called a second transunion number in XXXX because the first woman I talked to seemed lost.. This second rep at Transunion said that he could only enter a dispute for me to dispute the dispute remarks!!!! 

I do n't know how hard this is to understand? I opened the disputes. I no longer dispute any account and want all disputes closed and all dispute remarks removed from my credit file. 

This is hindering my ability to refinance my home!
Product: Debt collection

On XX/XX/2018 the HR representative at my workplace notified me they received an employment verification request from a representative at RNNGroup. On the form they submitted to my company 's HR department they had the correct last four digits of my social security number. They also had the correct work location and correct email address for my work location 's HR representative.

They asked my employer to verify I was employed with them, if I was part time, full time or seasonal and for them to confirm the company name and address.

At no point did RNNGroup say this was in regards to a debt, but when I went on to their website, it certainly looks like a debt collection business - even though they don't say they are a debt collection company. When I spoke to the representative from RNNGroup, they told me I was on a recorded line. They also told me they couldn't divulge the client for whom they were seeking this information for - only their " executive team '' could do that. Their website says they do data collection, but it is all very vague.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX
Product: Mortgage

PHH Mortgage has continued to apply forced insurance to my account even though I have had continuous coverage for the 15 or more years that I have owned the property. I and my insurance company have provided them with proof of insurance and they keep ignoring it. They have recently started servicing my accounts and I have had problems with them on both mortgages that they service.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Checking or savings account

I have a General Power of Attorney to make decisions on behalf of my husband, who is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or sign documents ( documented appropriately by his physician ). On Thursday, XX/XX/XXXX, while preparing for the inevitable, I went into my local Wells Fargo bank where my husband and I hold a joint checking account, and asked to remove his name from our account. This was done at the advice of my attorney, in preparation for submitting a Medicaid application, part of which requires my husband to not have any accounts aside from his new account under a Miller Trust. Wells Fargo refused to recognize the Power of Attorney and refused to remove his name from our account, citing that the Power of Attorney does not specifically state that it covers changing ownership of accounts. They would allow me to close the account, but not change ownership of the existing account. 

I consulted the attorney who prepared our Power of Attorney documents, and he contacted the Wells Fargo legal department, which continued to refuse to honor the Power of Attorney document. Our Powers of Attorney are verbatim from the Iowa Uniform Power of Attorney Act, Iowa Code Chapter 633B, section 301 ( Forms ). The Iowa Code Chapter 633B section 208 ( Banks and other financial institutions ) grants the POA holder the authority to " [ c ] ontinue, modify, and terminate an account or other banking arrangement made by or on behalf of the principal. '' I was essentially forced to open a new account in my name alone, and spend hours updating our bills and credit cards with the new account information instead of making the most of the time I have left with my husband. While I was out running around town fighting with the bank and talking with the lawyer, my husband had his best most alert and interactive day in the XXXXXXXX XXXX in a long time, and I was not able to be there to share it with him. He has since taken a significant turn for the worse and will not likely recover to even his previous XXXX XXXX 

I filed a complaint with the bank, and their complaint department responded and acknowledged the Power of Attorney authorities granted under Iowa law, but the Wells Fargo legal department continues to reject my authority to remove his ownership of financial accounts. 

Wells Fargo refuses to honor the full authority of Power of Attorney documents valid under Iowa law and their actions are unnecessarily complicating our Medicaid application process and jeopardizing his approval, upon which we rely for his continued care.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a letter from Wells Fargo indicting that they had lowered my credit limit by almost XXXX. The reason given was false. I have had this account for over 10 years receiving multiple credit limit increases. The card limit was decreased during a time where my credit score increased significantly. My Wells Fargo account payment history, usage, and credit history has only gotten better over the past 24 months and most recently. I always pay more than the amount due and pay on time. It's my understanding that Wells Fargo is providing assistance to customers during this pandemic so even if a payment was recently made late ( I have not made any recent late payment ) why would Wells Fargo wait until now to decrease my limit? I believe that this action is unwarranted and discriminatory.
Product: Credit reporting or other personal consumer reports

I APPRECIATE your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Filed Date : XX/XX/XXXX Reference Number : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

The Hunt & Henriques Attorneys would begin calling my cell phone XXXX XXXX XXXX XXXX and Home XXXX XXXX XXXX XXXX since XXXX XXXX until XXXX XXXX. They would call several times between those hours. It got so bad that I had to end up changing my phone number, just to avoid being called all day. 
Al Then they began to stalk me in front of my home. They would park and watch me maybe about XXXX15 min. This would take place during the week. They kept on doing this until they saw my husband outside and ask for me and gave him the court order that they were suing me.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Employer - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX, FL, XXXX Incorrect XXXX : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX  - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently i received a copy of my credit report which showed Inquiries & Accounts i didnt not authorize. I understand and aware that you should not put an inquiries or accounts on my file unless i have approved it. I have provided you with the information and the a previous police report i sent a few months. Your company never responded and i am now XXXX, bothered, and XXXX. I am currently working with an XXXX to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and accounts removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List fraudulent inquiry accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized account & inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

XXXX XXXX XXXX
Product: Checking or savings account

Several months ago my account was frozen from withdraws by depositing my stimulus check from the IRS. Capital One claims it was a check already cashed or deposited. The check WAS NOT cashed or deposited at another bank. An attempt was made to sign the check over but it was not cashed or deposited until I decided to use my capital one account. Capital One has no evidence, other than assumptions from scratched out writing, that the check was cashed or deposited at another bank. My account was allegedly closed and the funds cleared their bank but were not returned to me. This is what I was told by customer service multiple times that the funds cleared but the account was still closed and I would not receive my money. The account has been open in limbo by capital one still accruing interest in some attempt to get me to cash the check at another bank to make their story true. That WILL NOT happen, the check was deposited with capital one, cleared with capital one, I want my money.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My personal information has been used to use goods and service. I did contacted Equifax and told them this inquires are fradulent and provided proof, even though they told me that this inquires were verifed. Please dispute and remove this fradulent information from my credir report XXXX  XXXX ( Bank ) XX/XX/year> XXXX  XXXX ( Bank ) XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has taken well over 30 days for credit reporting agencies " XXXX XXXX, Equifax '' to remedy this issue! They have failed to respond I sent out my disputes on XXXX XXXX. I stated that I am disputing the amount of {$21000.00}.