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

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct these items immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting

Transunion improperly re-inserted inquiries back on my credit file without following the proper procedures mandated by the Fair Credit Reporting Act.. 

THE FOLLOWING INQUIRIES ARE REPORTING IN ERROR AND NEED TO BE REMOVED IMMEDIATELY. 

1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX/XXXX/XXXX 10. XXXX- XXXX/XXXX/XXXX 11. XXXX ( XXXX ) XXXX 12. XXXX XXXX 13. XXXX XXXX 14. XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17. XXXX XXXX 18. XXXX XXXX XXXX 19. XXXX 20. XXXX XXXX 21. XXXX XXXX 22. 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 or other personal consumer reports

XX/XX/XXXX, an auto loan was opened under my credit. My XXXX  sister and her boyfriend bought a car through XXXX. XX/XX/XXXX my XXXX  sister applied for a car, this hit my credit 5 times. Supposedly, the XXXX only used her social security number but my credit report showed up and she was approved through my credit score. I now have her name, employment, addresses, name, and phone number on my credit report along with her new car loan and her boyfriends. Its affected my credit score. I want her loans and all her information deleted from my credit, and my score back!
Product: Debt collection

Capital One is reporting false information to my credit report with error also on my credit report with different information on all XXXX credit reports. XXXX XXXX offered me a settlement on my platinum credit card in 3 installment payments in the amount of {$93.00} for a total of {$280.00} starting on XX/XX/2023 XXXXXXXX. Two payments have been paid on XX/XX/2023, XXXX/XXXX/XXXX and I can't get them to send me an update on the payment status history. 

The information on all three credit reports is wrong and by law under the fair credit act it must be removed for errors reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. 
Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX  XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX- XXXX
Product: Debt collection

Called Navient about grace period. They stated that I already used my grace period and I advised thats impossible. I was in school from XX/XX/XXXX until XX/XX/XXXX. All of my other loan lenders have me in a 6 month grace period but Navient refuses to help is trying to collect on my loans with them. I should be in grace period until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Hurricane Irma. I have had 5 addresses in 3 states since XX/XX/XXXX due to Irma. I have been working on looking for transportation, a place to live and reducing my debt. As such, I have had to apply to a few financial institutions to see what my options are. 
**Hence all three credit reporting agencies are stating, 'Too many inquiries in the last 12 months '. That is unavoidable due to Hurricane Irma. Please help me remedy the issue. 
**I have no credit card debt or home loan, yet XXXX and Trans Union are reporting 'Proportion of balance to high credit on bank revolving or all revolving accounts ' is high. 
**I do not owe anything on any credit card or revolving accounts yet Trans Union is reporting 'Amount owed on revolving accounts is too high. ' **I have no delinquent accounts, yet all three reporting agencies are showing that I have recent delinquencies. I do n't have any revolving debt. I only have a car payment and I have not been late. 

Hurricane Irma has disrupted my life. I have always had impeccable credit and should not be punished further by credit reporting agencies by trying to recover from a natural disaster.
Product: Credit card or prepaid card

On XX/XX/2018, credit card payment of {$10000.00} was made and posted on XX/XX/2018. 

On XX/XX/2018, {$10000.00} payment made was posted on XXXX XXXX where funds were withdrawn. XXXX Bank received {$10000.00} from XXXX XXXX, and it was also verified by XXXX XXXX that funds were released to US Bank. US Bank would not apply {$10000.00} payment made to available credit, even after funds were released ( by XXXX XXXX and received ( by US Bank ) for 2 days, but put a hold on payment for 7 days without valid justification. At XXXX, I spoke to XXXX , representative from US Bank , and advised me to have XXXX XXXX fax the proof of the payment transaction of {$10000.00}, then they will release the hold. All the conversations were being recorded by US Bank. 

On XX/XX/2018 around XXXX, I spoke to XXXX, representative at US Bank in Missouri, advised me again to have XXXX XXXX fax the proof of the payment transaction of {$10000.00}, then they will release the hold. At XXXX, XXXX XXXX sent a fax to US Bank of what they requested. I called US Bank at XXXX, spoke to XXXX , representative at US Bank ( phone recording confirmation # : XXXX ) to check the status of the fax sent, it was received but they still would not release a hold, once again XXXX at US Bank could not provide valid justification. To XXXX, I requested supervisor call back, but never received a call, XXXX never put a request. I decided to go on a trip with trusting what they have advised me ( to release the hold ) on XX/XX/2018, but could not use my credit card because of their deliberate lie. 

This is unacceptable and abusive business practice to American people and this incident should be reviewed by CFPB carefully and also by other government agency who has enforcement capability.
Product: Money transfers

XXXX XXXX phoned me about a malicious virus i had on my computer and charged me XXXX dollars to have it removed for a lifetime of any computer problems i might have in the future here is his bill he sent through pay pal. Yesterday i got a call saying the same thing from a diffrent company Go To Assist Company telling me the same thing so i went to my first co. and told them about it and they said there 's nothing they can do about it without charging me an addional XXXXTransaction DetailsPayment Sent ( Unique Transaction ID # XXXX ) Original Transaction Date Type Status Details Amount XXXX XXXX, 2015 Payment To XXXX XXXX Completed ... - {$470.00} USDRelated Transaction Date Type Status Details Amount XXXX XXXX, 2015 Charged XXXX Credit XXXX XXXX {$470.00} USDSent to : XXXX XXXX ( The recipient of this payment is Non-U.S. - Verified ) Email : XXXXXXXXXXXX amount : ( in currency funded ) - {$470.00} USDYour fees : {$0.00} USDYour total charge : - {$470.00} USDPayment amount : - {$470.00} USDXXXX XXXX XXXX fees : - {$20.00} USDXXXX XXXX receives : {$440.00} USDDate : XXXX XXXX, 2015Time:XXXX PDTStatus : CompletedFunds will be available to your recipient on or before : XXXX XXXX, 2015Note : The recipient can send or spend the full amount on this date. If the recipient wishes to withdraw money, limits may apply. 

Subject : You have sent {$470.00} USD to XXXX XXXX with PayPalFunding Type : XXXX XXXX Source : {$470.00} USD - XXXX
Product: Credit reporting

I have a 7 year fraud victim alert on my Equifax credit report any time I try to order a copy and the automated system wo n't send me a file disclosure it 's been a year and I have the rights to free copies to detect further fraud
Product: Mortgage

I had a mortgage with Green Tree and now I see it 's Ditech. I would get calls saying the mortgage was n't paid or was behind so I figured the ex wife forgot and paid it. This went m for yes. For some reason it seem like they were always saying it was behind. I seem to see money being taken out by Green Tree and never gave them authorization to. One day after my device I got a call from them say my ex wife was 6 months behind so end up paymg the whole 6 month. At the end of 2012 I got something from them saying they were forclousung on me and it was n't behind. I got so sick of them I so go head. I had a manufactured home. The came and repo it, sold it and never removed the money from the total. Now they are say I owe them XXXX. That is not true. For all the year of double charging me and selling it they should be a XXXX balance.
Product: Debt collection

In XX/XX/XXXX our company finished up a lease with a company truck. At this time we were sent an invoice that had some erroneous charges on it. On XX/XX/XXXX our company sent a check for {$840.00} and very clear terms as to what this payment was for and how it was paying off the remaining debt on the auto loan as we did not agree with some of the charges for alleged damages that Ally tried to charge us for. In this letter with the check we also very clearly stated this payment should be considered full settlement for this loan and cashing the check would be considered acceptance of these terms. By XX/XX/XXXX Ally had cashed this check and sent us additional invoices for what they considered an unpaid amount. We had clearly disputed this amount in our previous letter as well as numerous calls back and forth between our company and Ally. By XX/XX/XXXX they sent us a notice that they were going to report negative information to the credit agencies and proceeded to do so, at this time they also sold the debt to a third party debt collector. At this point every attempt to contact Ally about the account in question was met by them immediately transferring our calls to the third party debt collectors. Ally has since sent this to 3 different debt collectors including XXXX XXXX and most recently XXXX XXXX XXXX. After speaking with these debt collection agencies and sending them all of the correspondence including the attached paperwork below they refuse to pursue the debt and send it back to Ally. 


As you can see from the attachment below a check with was sent with clear terms outlined that it was for full satisfaction and accord, or as provided by UCC 3-311 the claimant sent a conspicuous statement to the person against whom the claim is asserted that communications concerning disputed debts, including an instrument tendered as full satisfaction of a debt, are to be sent to a designated person, office, or place. 

You can then see Ally clearly cashed this check and credited our account with the corresponding amount. From here there has been a never ending flow of calls/paperwork as they pursue this debt and refuse to deal with us directly.
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 Account # : XXXX, has violated my rights. 
XXXX  XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # : XXXX, has violated my rights. 
XXXX XXXXXXXXXXXX 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 a account without my written instructions
Product: Checking or savings account

XX/XX/2020 Current ( XXXX XXXX  ) allowed me to enter direct deposit information for my husbands unemployment. They returned the deposit because the name did not match yet they allowed me to enter the information and for it to clear with the UI office. When I contacted them they said there is nothing they can do to release the funds even though my husband was willing to be added to bank account and was standing ready with his social, ID and other PPI. I feel this is a UDDAP violation as it should have never gotten as far as the deposits being rejected and other banks Ive banked with have never had an issue processing my husbands payments to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been notified through XXXX website that I have been a victim of the data breach of XX/XX/2018. According to their files I have many open accounts that I have no knowledge of and do not belong to me. They are using these files as references for the security questions to gain access to my report. Because these accounts are not mine I have no knowledge of the details surrounding them and therefore can not access my own credit report to correct these errors. There are also errors regarding my name and addresses and former employment. I have made attempts through email to get help from XXXX  and I received no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint on behalf of myself. The account ending in XXXX with a High balance of {$9200.00} is being reported to XXXX and Transunion incorrectly. This inaccurate reporting is causing great emotional, mental and emotional harm to me. This account is reporting as paid on time from XX/XX/XXXX through XX/XX/XXXX but shows 90 days late the very next month of XX/XX/XXXX. How is an account 90 days late in a matter of 30 days? XXXX is showing " NR '' as not reporting but is mimicking the information incorrectly reported to Transunion. Also, XXXX is showing updated on XX/XX/XXXX but Transunion is showing last updated XX/XX/XXXX. This information has caused me to be denied for housing and employment. Federal law states that my consumer report is to be fair and equitable to me and that all information needs to be accurate. I also have a right to privacy and did not authorize any credit reporting agency in writing to publish my nonpublic personal information. I was also not provided clear and concise information on how to opt out which is another violation of my privacy.
Product: Debt collection

Trying to collect a debt thats old when the companys already sold the debt
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX - Account XXXX I don't recall having late payments on this account XXXX XXXX XXXX  - Account Number : XXXX I don't recall having late payments on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a Fair credit reporting act XXXX  XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 602 A. Section 2 consumer reporting agency can not furnish my account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit//my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$720.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I had a car loan with XXXX XXXX that was paid off in XX/XX/2011. They are still calling me from XXXX. I spoke with a rep and ( supposedly ) a supervisor on 3 different occasions and they said they would remove my number. I had them send me a paid in full statement but they still continue to call me. It has become harassing!!!!
Product: Checking or savings account

I opened a bank account with Chase back in XX/XX/2021. I never received a debit card and rarely accessed online banking. Then I called Chase and I ordered a new debit card because I never got one. Then there was a check that was deposited which I dont know how it got deposited nor do I Recognize this check at all. I guess there was a hold put on it, and the check was not good and no money was available so I was not aware of this. Then I tried to use mobile banking after I got my debit card, I tried to deposit my XXXX  financial aid check but I didnt think it went through, so I cash it at another bank, and then it came back returned through Chase . I guess at that time they put a restriction on my account that I was never notified or aware of. Then I got a job and set up direct deposit with his bank. When my direct deposit went through with my employer, I couldnt use my debit card or pull money out of my account because it was restricted. I went into the Chase bank on XXXX XXXX in XXXX CA and talked to a banker who said they needed to verify the original holders of the checks that were deposited in my account before they could take the restriction off. I could give them the information for the financial aid check but I dont recognize the first why did I think there was attempted fraudulent activity that was used on my account. Now theres been two deposits from my employer that I dont have access to any of these funds and I dont have any money now to pay my rent. My account is not overdrawn and I told them to just close my account if they cant give me my money and return it to my employer so that they can re-issue it to my other bank. They refuse to do so I need help please. I work for this money there is no reason why they should be trying to keep my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I am looking over my hard inquires with XXXX and there are a few inaccurate information that either should have been taken care of but for some reason wasn't. Today 's date is XX/XX/XXXX XXXX CARD in XX/XX/XXXX was fraud and XXXX  XXXX on the same date XX/XX/XXXX was never authorized by me I never signed anything and I was told would be off my report asap. I understand that's newer so that might take some time. I also have a discover XX/XX/XXXX which i spoke to plenty of times and they removed it from XXXX  and discover as i never authorized that either and was fraud. I wrote them letters and everything under fair credit report also so I am unsure why that is still on there. Than the last one that i never gave anyone any permission to run my credit was XXXX CARD XX/XX/XXXX. There customer service team was very helpful and removed from XXXX  and XXXX but it is still showing on my XXXX  credit profile.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a 1099 form in the mail that Cash app filed with the IRS. It states I received a total of {$11000.00} on there service in XXXX. {$8300.00} in XXXX and {$3300.00} in XXXX. I have received {$0.00} on there service in XXXX. There are no payments transactions on my account, no sign of unauthorized device log in. I called for support that day. The rep said my account is closed for term violations and that they don't know specifics. They sent me to the chat for help where I receive canned response after canned response that does not address the issue. I called again and they said the same. I asked to speak to a XXXX and I was advised none are available and the only way to reach XXXX is from email and that they emailed them. I received an email from a XXXX with the same canned responses. I chatted for over XXXX hours and got no where just that they documented that I was not satisfied. Chatting and asking for a live person who still would not address the 1099 or why my account was closed escalated a case to appeal my account closing because once open I could possibly get help. I received an email on XX/XX/XXXX stating the same canned response 'Your account has been found to be in violation of our Terms of Service and/or our Acceptable Use Policy, and has been closed. While you are still able to access your account, sell your bitcoin or other assets, and withdraw any remaining funds, all other features, including the Cash App XXXX, have been permanently XXXX. I dont have specific reasons why, but you can view our Cash Terms of Service at XXXX XXXX XXXX for possible reasons. They closed the case. I chatted for another XXXX hours on XX/XX/XXXX trying to get help with the 1099 and now my account for fraud must be going on but receive no help and often they try to shut down the conversation saying they addressed the issue with resolution and they are sorry I don't like the response. I know have hours to spend to try to explain to the IRS that the claimed 1099 is false, possibly have to pay more taxes on income I did not receive. I am frustrated and can't concentrate on other life matters worrying what else is going on with my identity and this company. There is no transaction evidence, they can also see that. Are they trying to hide money by fraudulently saying I received it.