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

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$3100.00} XXXX   XXXX {$450.00} XXXX XXXX {$3800.00} XXXX XXXX {$5600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Product: Debt collection

I transfered over my vehicle to someone else. In trying to get the title. The lien was on the title for the company XXXX XXXX which went bankrupt in 2010 and they transferred the paper to XXXX in attempt to contact them they transferred the paper to Cascade XXXX but when the person I transferred the vehicle to tried to contact them they wont give any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been making on time payments to my credit cards and car loan, I even make more payments toward the accounts, I have been checking XXXX XXXX and I notice that XXXX  and Transunion they are reporting my payments on time, but the problem it is that they are not giving me points to my credit score, I do see some account have been increase on the credit use and for those they do subtract me point a lot of points, but they don't give me points on my credit score. I have been trying to dispute and fix it for a while and I don't see results.Recently my XXXX card was paid in full, was reported to XXXX XXXX and no points to Transunion or XXXX, XXXX has XXXX balance and still shows with a balance of XXXX, I made an extra payment to my car balance shows reduce from my credit report and no points to my credit score. All credit reports show different numbers a balance that they don't fix. On XXXX  I logged in to a service to see if my social was a breach victim and it was. Base on XXXX  website they will give XXXX or a free year credit report, so I decided to get the XXXX and I haven't see the payment. everything it is a negative thing.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I performed a wire transfer with Moneygram. Within seconds the funds were removed from my account as the transaction was completed. Moneygram withdrew {$540.00} from my account. Literally, 10 minutes after the initial transaction, the recipient was not allowed to retrieve the funds. I contacted Moneygram to inquire why the transaction was canceled, and I was informed that the system canceled it and no further information was available. At that time I requested a full refund. I was told that it will take 10 business days for me to retrieve my funds back. I feel as though I have been scammed. How is it possible for them to deduct my funds only to cancel the transaction in a matter of minutes. Why wasn't the transaction disallowed before the removal of my funds. I feel that Moneygram is capitalizing on the interest of my funds. My bank will not acknowledge my dispute because Moneygram representatives are informing me that they can't provide any form of documentation to show that my transaction was canceled. The 5th representative basically told me to " take his word, I will get a refund ''. This is beyond frustrating that no one at this company can explain wy the transaction was canceled, nor can they explain why I have to wait 10 days due to their error. I am now forced to deal with numerous adverse charges into my account. This is a horrible business.
Product: Student loan

I believe that I am a victim of shortcuts or deception by Navient- XXXX of misappropriating advance payments on my student loan accounts.
Product: Credit reporting or other personal consumer reports

We had bathrooms remodeled using XXXX XXXX XXXX. XXXX XXXX used Service Financing Company XXXX. We had a zero-interest payment plan for 36 months. We started paying automatic withdrawal and there were no issues. We switched banks but made a number error in the account. However, Service Financing continued to cash check and apply to some other account. Simultaneously, we were getting notices of non-payment. We tried making additional payment in case we made a date problem but that obviously was cashed and applied to the other account as well. Service Financing put is on credit collection which impacted our credit score even though we were having frequent calls trying the resolve the issue. Finally, I found the error in the account number, which was fixed, and we started sending payments as planned. Finance Services applied the misdirected funds on their end to our account. All seemed find until we received the next bill showing we were out of the promotional plan and out payments had interest of 20.99 %. I called to resolve again and was told it was being sent for review and then never received a call. Now a month later I have called again, and the nice person on the phone has said the same thing that it will be submitted to financing department for resolution. My position is this : We were paying. Had Service Financing rejected the payments due to the number issue, then we would have resolved quicker. Instead, they received and applied our money while simultaneously telling us we were in default. We should not be penalized. It is clear where the errors were, and we were sending money as agreed upon that Service Financing deposited into its business. There may be little we can do to fix the credit issue they caused, but we are asking for help to resolve the program issue. We do not have $ XXXX left on the principle and we can not afford paying 21 % interest.
Product: Credit reporting or other personal consumer reports

Im reaching out to formally address a concerning issue regarding my recent credit card application with XXXX XXXX. It appears that multiple hard inquiries were made on my credit report for a single application, causing unnecessary and detrimental impacts on my credit score. I am respectfully requesting that these extra inquiries be removed immediately from my credit report. 

On XX/XX/year>, I submitted a single credit card application with XXXX XXXX, reference number XXXX. Since then, I have noticed that my credit report reflects several inquiries associated with this one application. These repeated inquiries have resulted in a significant decrease in my credit scores, affecting my financial standing and potential future applications. 

Upon receiving a letter from XXXX XXXX regarding my application on XX/XX/year>, I promptly contacted your customer service department to address this issue. I have since spent considerable time speaking with multiple representatives from XXXX XXXX, attempting to clarify why this error occurred. Unfortunately, no one has been able to offer a satisfactory explanation for the multiple inquiries. Instead, I have received apologies without any concrete answers or resolutions, which does not mitigate the negative impact on my credit score. 

To ensure the application could be processed, I followed XXXX XXXX  recommended steps. This included removing my security freezes from all major credit reporting agencies, including XXXX, XXXX, XXXX, XXXX, and XXXX. After doing so, I contacted XXXX XXXX  to inform them that my reports were unfrozen. Despite this, I was told repeatedly that my application could not be processed due to security freezes that, in fact, were no longer in place. Moreover, I have yet to receive a formal response regarding the status of my application, be it approval, denial, or any legitimate reason for the delay. 

Due to the financial impact caused by these multiple inquiries, I am formally requesting that XXXX XXXX  remove all the inquiries from my credit reports. Additionally, I ask that XXXX XXXX  provide me with written confirmation of the removal of these inquiries, which can be mailed to me at the address provided above. 

Thank you for your attention to this matter. I trust that XXXX XXXX  will take swift action to correct this issue, which will help to restore my credit standing and maintain my trust as a valued applicant. I look forward to receiving confirmation of the removal of these inquiries at your earliest convenience.
Product: Credit reporting or other personal consumer reports

Sent a letter to Transunion on XX/XX/year> asking for verification for XXXX accounts, no documents were provided and the accounts were not removed from my report. 
Sent another letter to Transunion on XX/XX/year>, Transunion did not provide documents and did not remove the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

On XX/XX/2018, I received a response from TransUnion about a dispute I had with them involving verification on two accounts listed on my credit report. I am demanding that they inform me of how they have verified these erroneous reporting accounts as this is an act of defamation of my character and demonstrates an act of supporting identity fraud. I have included their response in this complaint which proves they showed me no verification of these two erroneous reporting accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was checking my credit report and figured out incorrect information that I disputed with companies and it came back as certified but the addresses on my credit report are wrong that don't belong to me.Also I was a victim of data breach and my information was compromised and used and I told all of this to creditors and credit bureaus but they messed up on the investigation and gave a wrong information to credit bureaus so they kept all this wrong information on y credit report.I also did report and FTC report for further investigation and here 's the FTC report number XXXX XXXX also go ahead and attach it.
Product: Credit card

Someone opened XXXX fraudulent Capital One credit card accounts in my name. XXXX with Capital One Bank USA opened in and CAP ONE NA. They approved these fraudulent accounts. Once I noticed that this was n't my account I tried to dispute and they would not hear of it. They in fact filed a judgement against me for {$1600.00}. I told them that this was not my account and I refused to pay. After numerous attempts to have these items removed, they told me if I paid the judgement they would remove both items AND the judgement within 7 days. These items were preventing me from obtaining credit to assist my family. They took my money and lied to me. They never fully removed the judgment and did not remove these XXXX items. I feel violated and taken advantage of as an XXXX woman.
Product: Credit card

This is the same situation as XXXX XXXX. 

Upgrade falsely advertised pre-approved for credit card then always denies. This is the third time. 

UpgradeCard.com
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX This inaccurate account is reporting as opened on my credit report when in fact it is closed. 

Please remove inaccuracy this account from my credit report or I will file for litigation.
Product: Credit reporting

I have tried to get my free annual report or to buy one from Equifax numerous times. Their identifying information questions contain information that does not apply to me ( what mortgage do I have, what is the monthly payment, do I have any of several credit cards that I do not have, etc ). When I answer these accurately " Not applicable '' it says I have entered incorrect information. When I try calling them they do the same thing - the information they are looking for is incorrect so it is impossible for me to access my report. I have never had a mortgage, car financing, department store credit or any of the other things they insist I have and want me to identify.
Product: Credit reporting or other personal consumer reports

This is a complaint against XXXX. During COVID, when all student payments were paused, I WAS STILL PAYING MINE. I applied to XXXX for the PSLF program and then my loan was paused while the loan was switching from XXXX to XXXX. I received 2 letters from XXXX ; one stated my loan was paid ( transferred ) and another stating the loan was 90 days past due, when it was paused due to the loan being transferred to XXXX. It was ILLEGAL TO DO SO DURING THAT TIME, AS ALL STUDENT LOAN PAYMENTS WERE PAUSED. I contacted XXXX upon receipt of this letter and the TREMENDOUS HIT TO MY CREDIT SCORE and they denied making a report to the credit bureaus. My credit score dropped from XXXX to XXXX in ONE DAY. Upon checking my credit score today, It is still showing as delinquent on my credit report. I want this removed immediately. This has had a huge financial impact me and the delinquency was false information in violation of the CARES imposed during Covid. 
***The U.S. Department of Education expanded the student loan borrower relief offered under the CARES Act to defaulted student loan borrowers in the FFEL Program . As a result, XXXX has suspended all adverse collection activities and interest accruals through XX/XX/2023. **** This report made by XXXX to my credit report is a DIRECT VIOLATION OF FEDERAL LAW.
Product: Debt collection

NAR contacted me for the first time on XXXX, I was at an appointment, they called twice in a row and left no message. They then called my boyfriend 10 minutes after calling me and when he said to contact me they contacted my neighbor. None of whom were listed on my debts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX HAS FRAUDULENT COLLECTION ACCOUNT PLACED WITHIN MY XXXX  CREDIT FILE XX/XX/2019 {$410.00} AND {$400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX , IL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$6400.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX.
Product: Debt collection

I have a debt with with Williams and Fudge ( the collector ), the original creditor is XXXX University. I set up a payment plan for XXXX, per pay period since the new rep XXXX XXXX said i couldnt continue to do XXXX per month like the previous rep XXXX XXXX said. This additional XXXX was agreed to by the new Williams and FudgeXXXX. XXXX informed me if i needed the payment stopped to call/email her. i sent an email to stop a payment and to take 2 payments on XXXX ( she agreed to this ) ; her company took the money out of my account anyway. I spoke with XXXX XXXX and she said she would refund it. She then leaves a message saying she not refunding it. I email her and informed her I will be paying online from now on. I get an email from the manager saying i cant make my payment online and if i pay online the whole balance is due. Thats a false statement as I have made payments online previously for years. I told them they can no longer auto debit my card and they got mad.Williams and Fudge are now lying and using unfair practices to collect a debt. I included the emails. I will not under any circumstances allow Williams and Fudge to auto debit anything and have advised my bank of the issues.
Product: Credit reporting or other personal consumer reports

I applied to expand my real estate license into other territories, which required my credit to be run. I was denied the opportunity to expand into other markets due to negative credit reporting. When I checked my credit I saw several accounts that I did not apply for ( XXXX XXXX XXXX accounts, Discover Bank, XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I was unaware that XXXX XXXX filed a judgment against me, as I did not receive any correspondence for the account reported on my credit report.They then sent me a copy of the judgment that was filed. I contacted XXXX XXXX and told them that the address that was listed on the judgment was not my address and had never been an address I was associated with, they told me it didn't matter. I recently mailed them letters stating that the account was not initiated by me. I am attempting to dispute the other accounts that were opened in my name as well and they are making it challenging for me. I need the accounts that I did not open to be removed from my consumer report so that I may further my career. In XXXX I lost my wallet which contained all of my personal info, and I was also unfortunately the victim of a XXXX XXXX  data breach. All of the companies listed above refuse to provide me with the requested information I asked for ( such as tax form 1099-C, accounting pursuant to UCC 9-210 , how my information was obtained according to the banking secrecy act and the original contract ) which is my right as a consumer to ask for. They refuse to remove the misreporting off of my consumer file even though it's fraud. Also, I noticed on my consumer credit report that the reporting is inconsistent. Some years are reporting ND while previous years and years after the ND are reporting CO. The updated status and status dates don't match, XXXX and XXXX reports don't match. There are also several addresses that never belong to me listed on my consumer file. The alleged creditors are using some of the invalid addresses as verification and validation. I have sent copies of identity theft reports to them as well and yet they are disregarded. This situation is really hindering my livelihood as I am not able to get my real estate licenses.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting

I have previously submitted information to the CFPB and Equifax regarding XXXX accounts that have been showing as " Under Investigation '' for greater than 150 days. It 's good that Equifax responded to my last complaint by opening a new investigation. Problem is, they placed the WRONG XXXX XXXX XXXX account under investigation! Why would I request an investigation on an account I closed in good standing myself? Due to this error in placing accounts under investigation, my FICO score went down XXXX points. They need to remove my investigation from the XXXX account in good standing and compel XXXX to remove the balance information ( {$6500.00} ) as the bankruptcy is discharged on the other account in adverse standing. 
Furthermore, I have submitted information to remove the XXXX addresses that are not associated with me, and nothing has been done. So I will again submit my license, SS card and a bank statement per Equifax to get these XXXX addresses off my file. 
Finally, end all items under investigation. According to the image I 've attached, there are NO ACTIVE INVESTIGATIONS. It 's a misrepresentation to tell me on my report that items are under investigation, then show me on another screen that all investigations are either closed or expired.
Product: Checking or savings account

My complaint is with BB & T Bank. 
I understand that overdraft fees has to be applied to your account when the bank pays for a transaction because of low funds. 

My question is why do they have to apply {$36.00} dollars for every seven days your account is in a negative status. 

I can recall XXXX XXXX XXXXXXXX getting sued for excessive overdrafts and had to pay out millions of dollars back to their customers.
Product: Credit reporting or other personal consumer reports

Transunion has locked my account on their service center platform, and is not providing any solution to unlock it, and is asking me to give up access to their online platform. This is not reasonable. If you think there are some potential fraudulent activities on my account, then verify the information with me, and ask me to change the password. I do not understand why you must give me a permanent lock to " protect '' me.