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

Hello. I have contacted Trans Union well Over a month ago. By Law Transunion had 30 days in which too reply. That did not happen. And on several occasions. I have been very patient up to this point. Lately I've taken much notice in the very poor reporting that's being intentionally done to my personal profile. I truly do not appreciate it at all. TransUnion has done major damage to my credit profile by Intentional Fraudulent derogatory. Looking at my evidence that i will attach anyone will feel the absolute same. Its really awful it has to come too this. Please be aware that i am absolutely not pleased with the fraudulent behavior as youve made things difficult for me. And yes I have all intentions on suing you in the court of law for all the damage youve done that can not be repaired. 

At some point IMMEDIATELY there should absolutely never allow discharged bankruptcy accounts still showing on ANY credit report! After discharge! I know its not something thats normally done because my son filed a little after me and his case didnt get sabotaged by his bankruptcy attorney. All of his accounts were immediately removed! Mine were not! I knew something wasnt right with my attorney just by the way he spoke to me. however i did continue too trust him. And take a really good look at my cases. Ive been fighting for almost 12 months now to clean up this mess he's made. Attorney and Court is next. I hope this never ever happens to ANYONE! 


Also I gave TransUnion 30 days to reply to my last letter and you did not. by law you must remove the negative accounts as once. The date is given on the front of the document thats included.
Product: Checking or savings account

I submitted a paycheck which I got from my company for {$1800.00} which I deposited in chase and my account has been restricted and I am not able to use any of the funds available in the account. 

The reason chase gave me this is that the number to all for verification of the check is missing from the internal database. I have tried giving them the number and also my employer is ready to go in the bank to verify or any other way is fine as long as Chase is able to verify the writer of the check. The amount has already been deducted from the employer 's account and I am stuck as I am not able to use my account and this is the only account that I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INFORMATION ON MY CREDIT REPORTS IS FRAUDULENT AND AFTER DOING MY RESEARCH I FOUND DOES NOT COMPLY WITH THE FCRA MANDATES ON MULTIPLE VIOLATIONS THESE ITEMS MUST BE REMOVED FOR REPORTING FRAUDULENT INACCURATE INFORMATION.- ERRORS THAT INCLUDE INCORRECT ACTIVITY DATES, ACCOUNT STATUS, DATE OF LAST ACTIVITY, DATE VERIFIED, DATE OPENED THESE ITEMS MUST BE REMOVED FOR REPORTING FRAUDULENT INCOMPLETE INFORMATION. FIELDS THAT ARE BLANK, MISSPELLED NAMES, THESE ITEMS MUST BE REMOVED FOR REPORTING FRAUDULENT UNVERIFIABLE INFORMATION. - NO BILL OF SALE WITH AN ACCOUNT NUMBER, NO CONTRACTS WITH MY SIGNATURE, IP ADDRESS, ETC FOR ALL OF THE REASONS STATED ABOVE THEY MUST CEASE AND DESIST REPORTING ALL ACCOUNT INFORMATION TO THE 3 MAJOR CREDIT BUREAUS
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 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop XXXX I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have four negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit card or prepaid card

Company switched me to paperless billing. I did not want this, nor did I receive any bill thru e-mail. X/XX/2017 Received notice via mail that account is XXXX payments past due. Called the phone number on letter and paid amount in full via electronic check. Company refuses to admit their mistake / credit me for the late fees & interest associated with this issue.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX I did not give written permission to have these accounts furnished on my credit report by XXXX. A want these accounts removed immediately.
Product: Prepaid card

This company sabotages everything, extorted me out of at least XXXX $ in shipping fees stolen all my money from my benefits every month stole my apt from right out of my feet, gotten my personal information and put hexes and cursed my family and my boyfriend and my own health and well-being and cheated on my taxes and stolen my back pay from social security I never received and stolen my service animal and killed it, threatened and pays with my own money people to try and kill me every single day I have XXXX incidences where they date XXXX drugged me and overdose me and put me kidnapped in the hospital almost to death XXXX times and kidnapped and trying to murder my family members and took my friend lives with murder and they are still at it they moved in to the building my boyfriend lives in and is impersonating celebrities and are harassing me daily stolen over XXXX $ over 8 year period of time and steals every phone and belongings I get stolen my whole life and turned everything and everyone against me and ruined my reputation and is not going to stop there has been people murdered by them and my family and I are still kidnapped and it's not stopped yet... I am at my wits end, they steal everything I have everyday and they are on drugs and they drugg me and overdose me and my family and my boyfriend and they brainwashed everyone and the police have been alerted about this too... I need immediate help with this this has turned into a multi state abomination. They got the coalition for the homeless to kidnapp XXXX and bieden it's very serious
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I contacted XXXX XXXX XXXX XXXX over 60 days ago when I noted a suspicious mark on my credit report. I tried to communicate with the collection company and asked for written verification of the debt. There are two major issues. One, the debt does not exist. Two, I have a recorded phone call the day I cancelled my account. The company who sent my account to collections continued to collect weeks after my account was closed. A search on both here and XXXX  would show numerous complaints similar to mine. No written verification was ever sent to me. Under FCRA this debt is now listed illegally and unverified. My records also show this debt as invalid. Since I've received no remedy from XXXX, XXXX  or Equifax and no willing participation from the company collecting this debt, I will be filing in small claims to resolve this matter. I will be collecting under the governing laws you have broken. 

This letter is a last attempt to correct this matter before taking this matter further. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this card several times. This card is from XXXX and was closed XX/XX/XXXX. I paid the account after it was closed but XXXX is stating that there is still a balance of {$770.00}. I requested the transaction history for all activity since the account was closed and was told that they didnt have that available. They did read a disclaimer that they are no longer attempting to collect the debt because statue of limitations have passed but they are still reporting to the credit bureau even though it should be removed.
Product: Mortgage

After speaking with the company XXXX XXXX XXXX XXXX XXXX representative XXXX gathered all my financial information for 2 years in the approval process for a mortgage. Was pretty sure my income documents were valid and strong enough to qualify for financing. Was denied the fianancing for the amount I was requesting ( XXXX ) and never given any follow up of any steps necessary to get qualified since I did not meet the " Requirements '' at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has completed the investigation and Deleted Freedom Mortgage and XXXX and XXXX have yet to Delete the Fredom Mortgage from my Credit Report.
Product: Checking or savings account

I bank with Chase, the XXXX XXXX XXXXXXXX had an error on the XX/XX/XXXX transactions scheduled for that day. Due to the manual error, information that was sent could not be processed and they said returns would be done. This is a direct deposit for my paycheck. XXXX and Chase have both been pointing fingers at each other saying the other has to fix the issues that remain. Chase says that XXXX has not resubmitted the payment file as needed and XXXX says that since it submitted it the first time, they don't NEED to do anything else because it's a bank processing error. Even though the XXXX XXXX XXXXXXXX says the originators have to resubmit it. In the meantime, I am being charged late fees and have no money for anything. It is now the XXXX of XXXX. They said this problem actually started on the XXXX of XXXX. Neither said will give me a timeline of when this issue will be resolved. They have sent no emails to any customers, not just myself in regard to this. Many people are in the negative and are being charged fees FROM THE BANKS because of THEIR ERRORS. They have not talked about compensation ; they have only said it's the other persons fault each time we try to talk to them. There are thousands, if not millions of people who have still not received their paychecks. They even closed over the weekend and pushed things off even though this is a crisis for many of us. I want compensation for this debacle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the information that appears on my TransUnion consumer report.
Product: Checking or savings account

I never got my pay from my job my job has showed me where the funds where deposited to my account the bank did not deposit my paycheck into my account
Product: Credit reporting or other personal consumer reports

A 1099-C is a form issued by a lender or creditor to report the cancellation of a debt. If a lender forgives or cancels a debt of {$600.00} or more, they are required to issue this form. The 1099-C reports the amount of debt that was canceled, and that amount may be considered taxable income by the IRS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX XXXX, XXXX MN XXXX Account # : XXXX To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt you claim I owe. This is not an acknowledgment or acceptance of liability for this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you validate this debt by providing detailed information and documentation regarding its origin and your right to collect it.

Specifically, I request the following : 1. The name and address of the original creditor.

2. A copy of the original agreement or contract that created this alleged debt.

3. Documentation showing that you are legally authorized to collect this debt, including a copy of the assignment or purchase agreement between your agency and the original creditor or any intermediary parties.

4. A detailed account of how the amount claimed was calculated, including principal, interest, fees, and other charges.

5. Proof that the debt is within the applicable statute of limitations for collection. 

Until I receive this documentation, I request that all collection efforts, including reporting this alleged debt to credit reporting agencies, cease immediately as required by law. 

Please note that I am keeping records of all communications related to this matter. Failure to provide the requested documentation will result in a dispute of the debt and may be reported to the appropriate authorities for further action. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XXXX has a inquiry on my under my name & social security number. I did not apply for XXXX XXXX. I contacted them with XXXX  & notified them it was identity theft and to please remove it from my credit report. 
As of today it is still showing on my credit report as a inquiry.
Product: Checking or savings account

Subject : Urgent Account Restriction Issue Request for Immediate Resolution Dear Navy Federal Credit Union, Please take account off restriction I am writing to express my urgent concern regarding the recent restriction placed on my account. I was approved for a {$15000.00} personal loan, and the funds were successfully deposited into my account. For about a week, I utilized the funds without any issues to manage my household expenses and care for my children. 

However, after contacting your customer service team to request a temporary debit card limit increase, I was unexpectedly questioned about verifying my income for the loan. While I understand the need for verification, I am confused as to why the loan was approved and disbursed if further income verification was required. 

This sudden restriction has placed me and my family in a dire financial situation. I have children to feed and essential bills to pay, and this restriction is jeopardizing my ability to do so. I assure you that there is no fraudulent activity on my account, and I am willing to provide any necessary documentation to verify my information. 

I kindly request that this matter be reviewed and resolved as soon as possible to avoid further hardship. Please let me know what steps I need to take to lift the restriction and restore access to my account. 

Thank you for your time and attention to this urgent matter. I look forward to your prompt response. 

Social security number XXXX Sincerely, XXXX XXXX XXXX Account Holder
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every Experian, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$0.00}.
Product: Checking or savings account

I would like a full investigation in what is taking place with my funds. I want all access to my funds imediately and any fees added due to this issue refunded. I would like the cfpb to also provider their investigation and any fines that capital would be responsible for.
Product: Checking or savings account

On XX/XX/2022, my bank text me a fraudulent asking if I had made a purchase from XXXX in the amount of {$530.00}. I immediately responded that the charge was not mine. I then called XXXX. XXXX quickly shut my account down. I called my bank who told me the charge was pending and I would need to go in to a branch to do the paperwork. On Monday the XXXX I went into the bank to submit my claim. My bank put the {$530.00} back into my account pending their investigation. On XX/XX/2022 my bank took the {$530.00} back out of my account stating the dispute has been investigated and they have found the purchase to be made as correct. I have a letter from XXXX stating the charge is not legitimate. I went back into my bank on XX/XX/XXXX to show them the letters I have. The bank then told me the investigation was over and there was nothing further they would do. We had them call the fraud department who also said there is nothing further that they will do. I do not feel they properly investigated the charge. My bank is who notified me of the charge and I immediately responded that I did not make the charge. I strongly feel at that moment the charge should have not been allowed to go through. Where it stands now, XXXX can see on their end that the money was returned to me by my bank and that the case is closed. XXXX can not see that my bank then took the money back out of my account so now it is still unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

All the information collected is incorrect and I had no knowledge of any of it
Product: Debt collection

Per my contract I am asserting my rights as the debtor. 

1. The finance charge of the consumer credit transaction is the sum of all charges. 
2. The debt was paid full at the time the instrument ( promissory note ) was signed by I, the consumer and authorized representative. 
3.The Authorization to charge credit card for payment of membership ( not a loan ) financing and/or payment of maintenance fee is an invalid contract, one autograph is not a valid execution of a valid contract and the By line at the bottom is missing a signature.It must have an autograph from the consumer/debtor and the creditor. 
4. The promissory note for this consumer credit transaction is null and void ab initio as it has no wet ink autographs on the signature line from the debtors and there. 
5. The downpayment is a violation of TILA and the downpayment should have satisfied the contract in full.

6. The Preliminary Credit Rating Request Form was only to obtain any legally attainable credit information. It didn't give the creditor the right to share my private information with anyone. That is a violation of the privacy act.

7. If this is a debt, all debt are obligations of the United States.

8. Any contract that uses Federal Reserve Notes for payment becomes colorable because Federal Reserve Notes are colorable negotiable instruments and therefore the contract becomes colorable.

9. Please show I, the consumer and debtor and authorized representative for the person, where through forensic accounting, I was " loaned '' something by the creditor, that the creditor had to give away.

10. The Vacation Membership purchase agreement CP16276 is void ab initio as well, no signature from the creditor on second page 11. Purchase Agreement Exhibit A, B, C is void, no wet ink signature from the creditor.

12. Exhibit D Regular is void ab initio for lack of wet ink signature from the creditor.

13. I am giving Monterey Collection Services one more chance to apply the remedy or see 15 U.S.C 1611 and 1692k for civil liability.

See Points of Authority and Definitions in attached document
Product: Credit card or prepaid card

I requested my overpayment amount be refunded and still do not have refund processed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX You are in direct violation of the Fair Credit Reporting Act ( Ability Recovery Services & XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1656B : A creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

paid off/ account should be deleted from credit profile.