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

I sent mailed exquifax a multiple inquiry letter on   X/XX/2017     by certified mail in regards to several inquiries that were being reported on my credit file they recieved it on   X/XX/2017     the request included  XXXX  inquiries that were not factual and I received the same response for all inquiries which stated " inquiries are a factual record of file access '' if you believe this was unauthorized please contact the creditor.according to the fcra rules, Fcra 623 ( b ) (  2  ) and 611 ( a ) (  1  ), it states that any information can be disputed no must be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its file. The fact that I received a response  X  days after they got the information I disputed, one can assume that there was no investigation into this matter. I plan on buying a home in the near future and this many inquiries show a sign of financial trouble when this is not the case. I am sending this complaint due to the lack of investigation into my previous several disputes for the same reason which were my hard inquiries and got the same answer every time within a few days. I never signed anything authorizing anyone to run my credit at all this is unfair practice by a credit reporting agency with no concern for the credit worthiness of a consumer
Product: Checking or savings account

I have several accounts with Citibank for many years. I have single accounts and accounts that was joint with my ex-husband. About a week ago I logged in my online banking and noticed that my ex-husband name is coming up on my online banking login. Then I receive email stating about changes made to my account. I seen a person first in the branch and they show me that everything was somehow crossed with my ex-husband. All my personal accounts now had his name and social security number and my date of birth. My debit card once they enter in the computer it comes up with my ex-husband name instead of mines and my name is listed on the card. I called in 2 times to have the problem resolved. the first person I spoke to was XXXX and he involved his supervisor who told him she was going to fix it and all she has to do is just issue me a new debit card. I told him I that not to be true because I am no longer listed on my own account he is listed as the signer. I then called back and ask to speak to a supervisor which the lady immediately put me on with XXXX the supervisor ( I just want to say just how nasty this lady was she didn't even try to help me ). I explained the situation and all she kept saying was go into a branch I can't do anything for you. I asked was she even going to try and assist me that when she asked me for my debit card number, but she still kept telling me to go to the branch. I asked to speak to her manager she told there is no one above and her manager is maybe in a meeting. I hung up. My privacy is more than violated because now my ex-husband has access to all my information and they made changes to my account without my authorization. All now my issue wasn't resolved I need help all my direct deposit goes into this account.
Product: Money transfer, virtual currency, or money service

Unfortunately I am filing this complaint against Cash App ( Block , Inc. ) due to several issues related to fraudulent transactions. These unfair practices are violated by the Customer Financial Protection Act which is also known as the ( CFPA ). Cash App failed to provide me with any information as of yet. Leaving my Cash App account unprotected & vulnerability for people to get into my account and do whatever they want to do, with many being misplaced or stolen. When I did reach out their resolution to all of my problems was unfair and not solved. The EFTA ( Electronic Fund Transfer Act ) and Regulation E, these actions have caused me to have insufficient protection/funds. I am seeking to appeal my funds, and appropriate redress for all of these violations against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I contacted Equifax to address some inaccuracies reporting and they were not about to provide any information to the account in question : XXXX XXXX / XXXX XXXX. 

So I called XXXX XXXX to get information and they specifically stated the amount I provided to them that I notice on my Equifax credit is incorrect. 
{$1400.00}. 


They stated the amount that should be reporting is : {$990.00} Equifax has not rectified this error and I would like to request this is repaired and return back my credit point for a high increase in utilization that I didnt have which has impacted my exceptional credit rating.
Product: Mortgage

In XXXX, my ex-wife and I finalized our divorce. In the divorce filing she fully relinquished all interest in our home to me. At the time our home was in the negative and had no equity. Our home had a 1st and 2nd mortgage with XXXX. Because of the divorce and reduced income I could not afford the payments and the home went into foreclosure. 

In XXXX, my ex-wife filed and received a chapter XXXX discharged bankruptcy which included her interest in the 1st and 2nd home loans. 

In XXXX XXXX, I received a " Cancellation of Debt '' IRS XXXX from the 2nd XXXX on the house, which was no longer from XXXX, but now held by " Greentree Servicing. '' The XXXX was for {$72000.00} I filed XXXX in my XXXX income taxes. I checked my credit reports and all XXXX bureaus reported that I was in arrears in the XXXX XXXX loan. I wrote XXXX letters to Greentree about the XXXX and the fact that it was being reported as being " late payments. '' Greentree wrote back to me and indicated they had no record for me having a loan with them even though, I had provided my SSN and account number. This scenario went on for many months. 

In XXXX, I reached an agreement and a loan modification on my 1st mortgage with XXXX and managed to keep my home. I currently reside in the same house. 

In XXXX, after I made several calls to Greentree, and after being told that they had no record of me, one of their representatives found my loan record. He advised that my loan could n't be found because it was a " Closed and Released '' file and that it was no longer considered collectable. I explained to the representative that there was negative reporting on my credit reports and an existing lien on file against my home by their firm. He promised me that it would be corrected. He said they would report that my account was closed and " charged off. '' He also told me that they would " XXXX '' the XXXX XXXX lien against the house since the debt was dismissed and I had already received an IRS XXXX in XXXX for the debt. 

As promised, Greentree did eventually stop the negative reporting on my credit reports. 

The existing problem and my complaint is that I checked with XXXX title companies and XXXX XXXX XXXX XXXX and Greentree has not removed the XXXX XXXX lien against my house and reconveyed the lien as promised. 

In the last month, I called Greentree in regards to this matter and they once again are telling me there is no record of me or the loan and therefore they can not reconvey the XXXX since they have no record of it and it basically does n't exist. 

I need your help in getting this XXXX XXXX lien removed/reconveyed against my house since that is what I was charged for in the XXXX - XXXX tax form and was promised by Greentree when they told me told the loan was " Closed and Released. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Please have Equifax and XXXX update my XXXX 's account to reflect no late payments. Attached is a copy of my XXXX report dated today, showing that there are no late payments on this account. Thank you
Product: Credit reporting, credit repair services, 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 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction Please remove these accounts XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX In accordance with the Fair Credit reporting Act XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy 15 USC 1681 section 602 A states I have a right to privacy These addresses do not belong on my credit report Please delete all inaccurate personal information XXXX XXXX XXXX Former XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Former : XXXX XXXX Also Known As XXXX XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reluctantly failed to remove what appears on a credit report as the following : XXXX XXXX XXXX XXXX, first, this item was for the recipient, not the payee, second, it is a violation of law to expose this information on credit reports, due to the information given in the report, someone who is not familiar with procedure in NY, may misinterpret the information and use it incorrectly for example, applying for employment. 

A party named XXXX at your firm was reluctant to give his full name, I want an investigation at XXXX as to why I can not obtain employee ID potentially in case of pending litigation? 

The order was a court order XXXX, if it is not removed due to privacy, I will be forced to open a case in a high court that will hear the case or to seek assistance with our Attorney General in NY. 

Please have XXXX telephone the originator of the complaint immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a charged off account back in 2015, this vehicle was sold at the auction without letting me know that I had the option to purchase it back. I receive no notice of the sale only after what I had to pay, which was {$9900.00}.
Product: Credit reporting

Trans Union Corporation ( XXXX : XXXX and XXXX ) and its subsidiary Trans Union LLC ( XXXX : XXXX ) continues to refuse to correct mailing ( situs ) address on credit file by intentionally reinserting invalid ( situs ) mailing address to my credit report, in spite of me repeatedly providing evidence of their error. CFPB Case Numbers : XXXX ; XXXX ; and XXXX are germane. See mailpiece post marked XXXX XXXX, 2015, which I received via United States Postal Service on XXXX XXXX, 2015. In addition, the address identified as XXXX XXXX XXXX, XXXX, VA XXXX is not mine ; I never owned, lived, occupied or established resident at this address. 
Furthermore, Trans Union Corporation ( XXXX : XXXX and XXXX ) and its subsidiary Trans Union LLC ( XXXX : XXXX ) continues to refuse to delete adverse account, to-wit : XXXX # XXXX on credit file by intentionally reinserting inaccurate and fraudulent information to my credit report, in spite of me repeatedly providing evidence of their error. CFPB Case Numbers : XXXX ; XXXX ; XXXX ; and XXXX are germane. See mailpiece post marked XXXX XXXX, 2015, which I received via United States Postal Service on XXXX XXXX, 2015. 
Pursuant to 15 U.S. Code 1666 - Correction of billing errors, I formally request the following documentary evidence pertaining to alleged Account Number XXXX and alleged payee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ) ) : 1. A copy of the original credit application and loan agreement and disclosure statement showing the terms of the agreement ; 2. A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted ; 3. Copies of all documents and financial instruments used to pay the disputed late payments ; 4. Copies of all charge slips, invoices, promissory notes, truth in lending insurance disclosures, and all other documents proving indebtedness ; and 5. Copies of all documents sen to me regarding the alleged account. 
Immediately remove this inaccurate and incomplete information from your databases, which I have advised Trans Union Corporation and its subsidiary Trans Union LLC on, at least, XXXX separate occasions, more than 60 days ago. 
This letter is not meant in any way to be an acknowledgment that I have any outstanding personal debt regarding disputed alleged debt. 
Sincerely, I am /XXXX/XXXX , on behalf ofXXXX XXXX , Without PrejudiceXXXX XXXX ( Ret. ) XXXX XXXX XXXX, VA XXXX XXXX, 2015
Product: Money transfer, virtual currency, or money service

I am a long time customer of paypal. i use their service alot. on the XX/XX/2020 i sent money {$200.00} to a pool company for payment to XXXX however the actual email for payment is XXXX. i contacted pay pal immediately to tell them to stop the payment. online it says the receiver will not have the money till XX/XX/2020 so there is time. however paypal refuses to stop the payment this has happened twice with paypal. the receiver does not have my money yet so they still have time to stop the transfer but will not do it. that is wrong thank you XXXX 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 : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

This is a follow up to my previous complaint XXXX. 

XXXX. The XXXX credit report indicates that my account is Status 1 Late. 
The letter from XXXX dated XX/XX/XXXX reads " ... we have reviewed your account and found we are not showing a delinquency. '' XXXX. An automatic payment was not received by XXXX because of a XXXX XXXX error that required me to close my account and set up a new account for autopayment. 
The autopayments that were affected by the bank error were in XXXX and XXXX of XXXX. My account should not be deemed late due to a bank error that caused my XXXX account ending in XXXX to be compromised. A new account at XXXX ending in XXXX was set up for future auto-payments to XXXX XXXX
Product: Student loan

I attended XXXX XXXXXXXX XXXX XXXX XXXXXXXX in XXXX, MO. 
XXXX XXXX used preditory methods to get me to join. When applying for financial aid I was told I was eligible for it all to be paid in grants. I was misled by the recruiting office that told me that even though I had a felony that I they were 100 % confident they could get me a job placement They falsified career placement status. 
I never received job placement services. The instructors also passed you in the class weather or not you passed the test. 
Also, as a result of their practices, the college has filed bankruptcy and has shut down permanently. I am unable to obtain any transcript or diploma that I have received. Therefore I am unable to prove that I attended a college or show any degree completion. I am also unable to put down on a resume that I. completed the college because all employers, especially in the legal field in which I went to school for know that XXXX XXXX  have been sued and is permanently closed. Employers don't take it seriously. I am unable to use and show the " education " that I allegedly received. I wouldn't even signed up if they didn't promise job placement and tell me that I was eligible for grants. 
Thank you for your time. Please help me with this financial hardship.
Product: Credit card or prepaid card

This card has been paid off and I thought since I don't use it anymore, that it would be closed or at least remain a XXXX balance. I don't even have the credit card anymore! I keep getting delinquent notices and statements showing balances and late fees. I've tried calling the phone numbers listed on all correspondence to talk with someone and each time after I enter the credit card number from my statement, the message comes on " we are experiencing technical difficulties '' ( or something to that affect with those similar words ), and the call hangs up on me. I've tried calling another number, and the call just drops. I just found a way to email them today and have done so, only to find out the the email form, though it stated it was their company, it was actually some website called " XXXX XXXX ''. 

Anyhow, this has been going on since XX/XX/2022 and I can not get this resolved with them directly. I'm beginning to think this is just a scam in order for me to call in to " pay your bill by phone '', to give them another payment method so they have my other account information. I won't do it! 

I need this resolved and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I submitted a complaint to the following credit Bureaus XXXX XXXX Equifax and XXXX stating the the information that they are reporting on my account has been inaccurately reported and needed to be corrected they today XX/XX/22 they have yet to get back to me with a response or result I wish to have the items removed from my credit report for they have been a burden on my financial health.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Sect. 602 A states i have the right to privacy. 15 U.S.C. 1681 Sect 604 A Sect 2 it also states that, A consumer reporting agency can not furnish a account without my written instructions. Pursuant to Title 15 USC 1692c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. Remove ANY AND ALL reporting of the debt collection activity from all consumer reporting agencies. I expect full compliance with this request within fifteen ( 15 ) days of the receipt of this letter. Failure to comply with this request will leave me no choice but to pursue all available legal remedies under the FDCPA and any other applicable laws to protect my rights. Sending a statement does not prove this is my debt. You also had someone trespass onto my property per my cameras to deliver a package not once, but twice that my dogs chewed up. You have also sold my information to 3rd party agencies as i am getting letters from attorneys about being sued. This again violates 15 USC 1681.

Cease and desist immediately as well as remove the judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chime takes the money you put on your chime credit building card, and reports it as money owed. I put some money on my card, and they reported that I owed that money, which resulted in my credit going way down. It's meant to help you Build your credit, but it does complete opposite. You can not put I owe a balance of my money that is there. Example : If I put {$300.00} into my credit builder card, chime reports it as {$300.00} dollars owed to my credit report.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX, XXXX : # XXXX, has violated my rights. 

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: Debt collection

Synchrony Bank ( SYNCB/PPC ) sold an invalid debt to XXXX XXXX XXXX and now XXXX XXXX XXXX is threatening to sue for this debt. I never opened this account, never authorized this account or had any knowledge of this account. I was first made aware of the situation when it first appeared on my credit report in XX/XX/XXXX. The account showed that it was already 120 days past due even though it was not reported on my credit reports in previous months. I then did research and learned how to dispute the false account. In XX/XX/XXXX, I mailed multiple dispute letters via certified mail to SYNVB/PPC requesting they remove the account and provide details and statements so that I could better challenge this debt. I did not receive any of the requested information from SYNCB/PPC. I challenged the information directly with the credit reporting agencies and after their investigations, all 3 deleted the fraudulent account from my credit files in XX/XX/XXXX. 

XX/XX/XXXX this account resurfaced on my credit reports as a collection account by XXXX XXXX XXXX. I received a notice dated XX/XX/XXXX from XXXX XXXX XXXX that threatened to sue me if I did not pay by XX/XX/XXXX. I have filed disputes with XXXX XXXX XXXX thru their website and sent a dispute letter via USPS today. I have also challenged this account thru the credit reporting agencies. I don't have confidence that they will correct this issue in a timely manner ( if at all ) since they are so quick to threaten legal action. I ask that you intercede to right this unfair collection action by both SYNCB/PPC and XXXX XXXX XXXX.