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

The following inquiries are not mine and I have previously disputed with the credit reporting agency. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have previously disputed the following accounts to ascertain validity and accuracy with ALL 3 Credit Reporting Agencies. These are the accounts that i feel might be reporting on my credit files inaccurate and should be removed for this inaccuracy. 

XXXX  {$6300.00} XXXX {$5800.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX {$39000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$8300.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$36000.00} XXXX XXXX XXXX {$36000.00}
Product: Credit reporting or other personal consumer reports

This account has remained unchanged on my report for years after continued attempts at successful disputes. My most recent dispute has now triggered for this account to be marked as collections in XX/XX/XXXX when this accouunt was CLOSED AND PAID IN XXXX. I am asking that this account be REMOVED IMMEDIATELY AND ENTIRELY AS IT IS NOT REPORTING ACCURATE INFORMATION WHICH IS A DIRECT VIOLATION OF MY FEDERAL FAIR CREDIT REPORTING RIGHTS. The state that I reside in, North Carolina also has a set of credit reporting guidelines that collections can only report for THREE YEARS. This account MUST be removed from my report IMMEDIATELY.
Product: Debt collection

HI IC System / XXXX ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Bank account or service

USAA has decided to give me " limited access '' to their services. Being an online bank, I no longer have the services available to me that I need. For example, they 're reporting on my credit when I no longer have a credit account with them. To dispute this I need to access their online site to get the dispute form. Because I do n't have access I ca n't get the form to dispute the charge. Catch 22. I should have access to at least the most basic forms. USAA has a habit of doing nasty things to customers it finds as subpar. Never mind that I 'm a veteran. they 're really only care about money, and how to get it from vets. Their actions speak louder than the lovely sound bites they put on the radio.
Product: Payday loan, title loan, or personal loan

After months of issues with moneylion ( many of them resolved by submitting prior complaints either cfpb ), I paid off my moneylion loan. After over 30 days of moneylion not applying the payment, a rep for moneylion insisted the payment was lost in the mail and suggested that I would receive a negative credit mark if I didnt mail an additional payment ( although this delay in crediting a payment had accrued on each payment I had made prior, and moneylion continued to charge interest as they delayed crediting payments for more than 30 days ). Sure enough, after sending another payment, the original payoff suddenly appeared, resulting in an overpayment. 

Moneylion has not returned the overpayment nor have they returned overcharged interest despite hours of backnforth at my additional expense. 

Moneylion is now stating will provide no further updates nor have they returned the overpayment. It had now been around 90 days with no explanation or check.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

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

My Deposit was taken from my chime bank account due to a member hacking my account transferring my funds into there account. Once I contacted chime support about suspicious activity on my account the member told me on the phone that he seen my account transfer happened and since I was directly on the phone with chime support at the time of the fraud transaction, I was promised my money back. About XXXX hr later after filing a dispute with the chime dispute team I got denied right away without an investigation. I then went to XXXX XXXX XXXX  XXXX and filed a criminal dispute for XXXX XXXX of fraud. Chime support again opened my case due to me filing a police report, I still have not recovered my funds back and its been a process. ( My social security card is taken and my personal information is taken ) address, email, XXXXXXXX XXXX XXXX, bank accounts.
Product: Bank account or service

I had a business checking account with Chase. There was {$20000.00} in it. In XX/XX/XXXX, I requested Chase to send a {$20000.00} check to a XXXX, and then closed the account. XXXX never received the check. 

I called Chase back in early XX/XX/XXXX, and they confirmed the check had not been cashed. At this point, since the account was closed, Chase said they would cancel the original check and send the {$20000.00} to me ( instead of XXXX ) at the business addresses on file. 

On XX/XX/XXXX or XX/XX/XXXX, I had still not received the check so I called Chase back. They said they would open a research ticket to figure out what was going on. I did not hear back from them, so I called back XX/XX/XXXX. They said they are still trying to figure out what is happening. I spoke with XXXX ; XXXX 's XXXX is XXXX. I have a reference number from my call that got me forwarded to them as well, it is XXXX. 

It has now been months and Chase has withheld {$20000.00} from me. This is absolutely ridiculous. Not only should they have sent the check to me by now, but I have a personal checking account with Chase also, they could have simply deposited the money there. It is obvious to me that if I do n't keep calling them, they would simply never give me the {$20000.00}. This is completely unacceptable. 

At this point,
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. 

I sent information to you showing the loan was transferred to you from XXXX XXXX XXXX. My loan was with XXXX XX/XX/XXXX until XX/XX/XXXX when it was transferred to XXXX XXXX XXXX XXXX XXXX. 
The loan wasn't transferred from XXXX XXXX XXXX  as you've stated. 

I will send this information to you once again, payments made also. 

You can pull my wage earner records from the courts because they are public records. XXXX XXXX XXXX did not notify the courts either. I pulled all of my court records from the courts in XX/XX/XXXX. 

I've been told that case have to be reopened. I'm in the process of doing just that, since you can't seem to get information from XXXX XXXX XXXX. I will send this information to XXXX XXXX XXXX XXXX XXXX   and the attorney I get to reopen the case. 

Someone created a EIN number using my personal information without my knowledge. XXXX XXXX XXXX XXXX XXXX also used TN XXXX XXXX XXXX Federal Identification number to report a XXXX to IRS in XX/XX/XXXX. I'm in the process of notifying IRS of this fraud. 

I pulled my credit report to learn that someone added an address for Michigan to my credit report. I have never lived there, nor have I visited there. I've lived in XXXX Tennessee all my life. I was my home XXXX years, until you -XXXX XXXX XXXX  XXXX XXXX XXXX it from me. 

May XXXX have mercy on your souls.Because of you I'm homeless. All of my former employers have been deleted from my credit report. And I've worked since the age of XXXX. I notified the Attorney General Office also. You should be ashamed of yourselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to fix inaccuricies on my personal credit report, the first time I initially did this was on XXXX XXXX XXXX in which the CFPB has record of my complaints filed. In return of the CFPB 'S investigation the credit burea 's XXXX and Equifax both failed to correct the inaccuracies stating they could see what I was talking about but didnt believe I was actually the one attempting to get these inacuracies corrected. In which when they received my letters of complaints i also submitted my signature in blue ink on each letter in which i was stating the issues and inaccuracies. its is still listing several accounts and items i have deemed inaccurate supported by UCC11 searcg aswell as identity theft report stating the various things in initial letter as well as second attemp letters provided with the report as of XXXX. These items supported by consumer law do not belong on my report as i've also provided current and updated documentation to support such complaints and claims. 

ALSO THE TITLES OF THE LETTERS ARE ONLY HOW I SAVED THEM IN MY LAPTOP SO I KNOW WHAT DOCUMENT IS WHAT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting a charge off in the amount of {$15000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have been working with XXXX XXXX XXXX XXXX and the XXXX account was settled in XX/XX/2020 and should be updated to report a {$0.00} balance. I have attached documentation for reference that this account has in fact been settled. This false reporting of a charge off is seriously harming my credit score and this line item needs to be updated and/or removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Debt collection

A debt recovery was reported on my credit report XX/XX/2019. 
The recovery company is AD Astra RecoveryServ XXXX. For XXXX XXXX I do not know anything about this debt nor does my husband. 

I want this removed from my credit report please.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my transunion credit report on XX/XX/2024 and noticed some things 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 the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 of information 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 information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

I never lived at XXXX XXXX XXXX XXXX Ca XXXX Please Delete
Product: Credit reporting, credit repair services, or other personal consumer reports

On the above date and time and had a few inquiries that has been reported to XXXX, Equivax that were not authorized by me and are fraudulent. I already contacted the creditors and as well as the bureau and they are still reporting XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX Inquiry from XX/XX/XXXX + Complete Dept. Stores XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX from XX/XX/XXXX + Miscellaneous Reptg. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXXXXXX, XXXX + Telephone Companies XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos All these inquires are fraudulent
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a request for debt validation with my original contract and wet ink signature for accounts with DEPT ED XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a supposed bill on my credit report, which I neither bear responsibility for nor owe, as claimed by the debt collectors. These accounts were fraudulently opened without my consent, thereby violating 15 USC 1602l, as it was utilized without my explicit permission. I demand the immediate removal of this account from my credit report U S DEPT OF EDXXXX XXXX XXXX Creditor : XXXX  XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$3000.00}
Product: Credit card or prepaid card

I received a letter from XXXX XXXX  ( XXXX Credit Card ) I have been a cardholder since XX/XX/2007. I also have other Credit Cards with them as well via other merchants I frequent. I received a letter in the mail advising me my account was closed. I placed a call to the toll free number ( XXXX ) XXXX XXXX. The Representative was not personable at all and didn't seem to care about a long standing customer being treated this way. She advised me I would have to reapply for the credit card which would involve them running my credit again. I would have to do it online or in-store. I asked what was the reason my account was closed and I was told it was due to a discrepancy with my address. My Credit Report has my PO BOX as well as my physical address and it has been this way for years. I was not notified by phone, email, or mail that there was an issue needing to be rectified of this nature. I just received a letter about them closing my account. If this was indeed an issue then why was I not given an opportunity to address it? And why at this stage would I have to reapply for the card? This has also impacted my consumer credit report due to the card being closed. My score was dropped. I have had several points, XXXX XXXX XXXX, and other Perks for my tenure and this is something I would escalate to an attorney if this is not resolved by them.
Product: Debt collection

Continued calls despite request to stop. The company name is : Sunrise Credit Services
Product: Credit card

XXXX XXXX XXXX was tenant in my household, and I found my credit statements in his possession on XX/XX/year>. It was a Home Depot statement, and I was unable to review the statement. He also used my Macy 's XXXX XXXX card and moved items that were purchased to another address. He has taken items to another address at XXXX XXXX XXXX, XXXX, New York. He also had his associate XXXX XXXX XXXX XXXX ) remove XXXX large tubs of paint from my front yard after I questioned him about using my Home Depot credit card. I did not question XXXX about this matter. He was instructed by XXXX XXXX to load them in his pickup truck whereupon they were transported to a location in New Jersey. I called the police because I told XXXX XXXX that he could no longer reside in this home. I have filed complaints on various charges that are on my online statements although I used paper statements with Home Depot.
Product: Checking or savings account

A tax refund from the State of California, Franchise Tax Board was deposited by ATM on XX/XX/19 into a joint account. The check was properly endorsed by both myself and my wife, the co-payees. Bank of America immediately placed a hold on the funds ( many thousands of dollars ) on XX/XX/19 and refused to make any of these funds available until XX/XX/19. The person I talked to at BoA said that the hold was placed because this check, from the State of California, would not clear. Futrther, the deposit receipt on Sunday XX/XX/XXXX states, without any basis in fact, that " specific information indicates item may be returned. '' This is all FALSE. Rather it seems clear that BoA kept these funds for an inordinate time for its own use and benefit and likely has a pattern and practice of doing so.
Product: Credit reporting or other personal consumer reports

This is now my new communication regarding the unauthorized accounts on my credit report. These entries were added without my consent, knowledge, or authorization. Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I am entitled to have these accounts removed within XXXX business days, a list of disputed items. I insist on the immediate removal of the following erroneous accounts from my report : XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I opened a complaint with CFPB # XXXX on XX/XX/XXXX regarding the problem I have with Ally bank described below. It seems that the bank ignores not only my direct complaint to them, but also the one I got with CFPB. It is absolutely not acceptable. I am expecting a fast and positive resolution of my complaint, and payment of my deserved bonus. 

As a longtime loyal customer of Ally bank on XX/XX/XXXX I received email from them offering to open a new account and deposit new money, and in return to get 1 % cash bonus up to {$500.00}. They also outlined all conditions in order to be eligible for this bonus. One was to keep the money in the account through XX/XX/XXXX, and another was to keep account opened until XX/XX/XXXX. On XX/XX/XXXX, I opened two new accounts : one individual and one join with my wife. The same day I received two emails from Ally bank confirming that both accounts were successfully opened. After that I transferred new money to the new accounts. On XX/XX/XXXX I received two emails from Ally bank confirming successful transfers of deposits. On XX/XX/XXXX I called to Ally bank to clarify the time of receiving the cash bonus. However, I was told that at the time of accounts opening, I had to receive email with a confirmation of the bonus, which I didn't receive. Therefore, I will probably not receive the bonus. I have absolutely clearly met all bank eligibility requirements outlined in the offer. Therefore, I feel that Ally bank misled me and probably other customers, and must pay a bonus of {$500.00} for both of my accounts.