23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my third formal dispute regarding the inaccurate reporting of my XXXX XXXX XXXX ( Account No. XXXX ) account on my TransUnion credit report, and I am done tolerating TransUnions failure to fix this ongoing error. Despite previous disputes, TransUnion continues to falsely report the account as late, directly misrepresenting my credit history and damaging my creditworthiness. XXXX correctly reports no late payments, yet TransUnion persists with this false and harmful reporting. I have consistently paid this account on time, and this negligence is a clear violation of federal law. Under 15 USC 1666b ( a ), payments made within the agreed timeframe can not be treated as late, but TransUnion has disregarded this protection. Its failure to maintain accurate reporting violates 15 USC 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. TransUnions failure to investigate and correct this issue reflects a complete lack of compliance with 15 USC 1681s-2 ( b ), which requires furnishers to correct inaccuracies upon receiving dispute notices. Additionally, under 15 USC 1681i ( a ), credit reporting agencies must conduct timely and thorough reinvestigations of disputed information, but TransUnion has ignored this obligation. This negligence demonstrates willful noncompliance under 15 USC 1681n, making TransUnion liable for damages of up to {$1000.00} per violation, as well as negligent noncompliance under 15 USC 1681o, which holds TransUnion accountable for actual damages caused by this inaccuracy. TransUnions failure to comply with 12 U.S.C. 5531, which mandates fair, transparent, and accurate dispute handling, further highlights its disregard for my rights. The continued failure to resolve this matter has caused harm to my credit, financial well-being, and emotional health. Enough is enough.
Product: Money transfer, virtual currency, or money service

I transferred money from my checking acct with XXXX XXXX Bank to an account holder in Cash App. I sent 2 transactions of {$50.00} and 2 transactions of {$50.00} ... for total of {$160.00}. The person I sent the funds to contacted me and stated they did not receive {$50.00} that I sent. 

I then needed to send this same person {$30.00}. I sent the {$30.00} but got a response from Cash App that the transaction was on hold due to technical difficulties within Cash App. At this same time, I received another text from Cash App to my cell phone stating my {$30.00} transaction was being refunded... here is that text... 

... '' CASHAPP : For your protection, your {$30.00} payment to $ XXXX has been refunded. {$30.00} has been returned to your CASHAPP account and will be available in 2-4 working days .... '' I received a similar text fof {$50.00} that I had transferred to the same person. I assumed that since I got the message from Cash App about internal technical difficulties precipitated that 2nd text. The person I sent it to also stated they did not get the {$30.00} ... .so, I re-sent the {$30.00} and the recipient stated they got the {$30.00} ... .but not the initial {$30.00}. 

When I contacted cash app support soon after I made those 4 transactions, I was told by cash app that all the transactions were sent successfully ... despite the person I sent it to telling me otherwise. 

So what's happening here? Did I actually send {$160.00} or are the initial {$50.00} and {$30.00} being refunded per the text I received from Cash App, meaning I actually only sending {$80.00} and the {$80.00} being refunded and I'll see that money bank in my account in a couple days. It seems I got scammed for all 4 transactions. 

I contacted cash app several times and their response was always... the funds were sent to this person and they can not refund my money. I also contacted the person I sent the funds to and they responded they don't know anything ... an obvious, unfortunately, scam. 

Please advise on all this... I am terribly upset over all this. I await your kind reply... thank you. 

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

I am not an attorney nor a third party I am filing this complaint due to a previous complaint that was never addressed by the credit bureaus. I have filed a police report over the fraudulent account from XXXX XXXX XXXX # XXXX. Plus there was some information on my report that is inaccurate. I am in the process of starting my new business and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 605b, 623, 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute is listed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have a copy of my ID and SS Card for verification purposes. 
Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX, OHXXXX XXXX XXXX XXXXXXXX XXXX XXXX, OHXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A new account has been opened on my credit report. XXXX/XXXX  now appears on my report, and its got a XXXX dollar balance It was opened on XX/XX/XXXX, i did not open this account and have no clue who did. 

I filed a dispute with transunion and XXXX, and they say the information is accurate. I have no clue who made this account, or who is using it. I have no access to it.
Product: Payday loan

In XX/XX/2015, i took out a XXXX personal loan from a company called Loanme. It was all done over the phone. Just 2 weeks ago, the loan company took the monthly payment of XXXX dollars from my account. I, sure that i had already paid off what they let me borrow, called the loan company. During that phone call i was informed that the interest rate for my loan was a whopping 135 %. I asked them to then send me documents with all the information regarding the loan such as terms and conditions. I have those now. I told them that my financial situation has changed since my hours at work had been cut due to me attending college. They asked me all kinds of questions regarding my weekly spendings and told me that they would be able to lower the monthly payments from {$290.00} to {$250.00}. The gentleman that was helping me informed me that they had sent me an email containing all the details regarding the changes to my loan account. He said i absolutely must sign that form electronically as soon as possible and to call him as soon as i did. He really made it seem incredibly urgent. I found it weird that i had not yet even signed anything with this phone company, and now they suddenly wanted me to electronically sign this online document. This document says that not only my monthly payments had been lowered, but that the interest rate had also been lowered from 135 % to 115 %. This was something that i was not told would happen during the phone call. All they told me was that if i did not sign and return the electronic document to the company via email, then the changes made to my loan would not happen. I find this all very suspicious. As far as i know, the maximum interest rate in the state of California is 10 %. I am more than willing to pay a legal interest rate. But this to me sounds a lot like theft. I would really appreciate the help and the careful analysis of people who possess a much greater knowledge on these issues. Thank You.
Product: Credit reporting or other personal consumer reports

I do not have any recollection of this closed account that is showing on my credit report " XXXX '' and need it to be removed immediately from my credit report. This is the only report with this fraudulent information on. 

{$14000.00} Also, the following inquires were never initiated by me and need to be removed as well. It was after I applied for my car that all these inquires showed up but were never authorized. 
- XXXX XXXX XXXX- XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Accounts are not on any of my other credit reports and need to be removed right away! I will pursue legal action if this isnt taken care of as this is the 3rd time reaching out to the credit agency!
Product: Credit reporting or other personal consumer reports

XXXX XXXX by the IRS** XXXX - The IRS generally considers canceled or forgiven debt as taxable income. According to IRS regulations ( IRS Publication XXXX ), canceled debts are generally includible in gross income. XXXX XXXX XXXX XXXX : - The relevant tax law governing canceled debt is outlined in the Internal Revenue Code ( IRC ) Section XXXX ( a ) ( XXXX ). This section states that gross income includes income from discharge of indebtedness. The CRA 's have violated my consumer rights with illegal and improper reporting causing EXTREME DAMAGE to my accounts ( Estate ). This XXXX, that is what it is PERIOD, coupled with the illegal XXXX XXXX XXXX and XXXX XXXX XXXX of sharing PRIVATE and PERSONAL information ILLEGALLY obtained has injured my PERSON and the individual Agent/Accommodation party
Product: Credit reporting or other personal consumer reports

I checked my credit report and found unauthorized inquiries on my credit report. The inquiries took place XXXX. The Companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. NOWCOM/WESTLAKE FINANC . FCRA LAW 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of Credit Reporting Agencies
Product: Credit card

I am writing to complain about a charge-off that I noticed on my credit report related to my account with this company. Specifically, I did not receive a 1099-C form regarding this charge-off.

A 1099-C form is issued by creditors when a debt has been canceled or settled. This form is essential for tax purposes, as the IRS considers the canceled debt as taxable income.

I would like to request clarification regarding this charge-off and whether a 1099-C form was issued for my records. It is important for me to ensure that all necessary documentation is in order for tax reporting and to understand my financial standing accurately.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many 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 items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance XXXX XXXX {$790.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX deposited money on to a Citi Card ( on my behalf ), since according to them, they have gotten away from paying people by checks, and they do not offer direct deposit. <P/>They deposited a {$600.00} Bonus on my card XX/XX/XXXX. I went to one of their XXXX XXXX ATM 's onXX/XX/XXXX to dispense the funds. The location I went to was : XXXX XXXX - XXXX, TX XXXX ( XXXX XXXX XXXX Branch ). The funds was not dispensed, and I contacted XXXX XXXX XXXX ATM dispute department, they told me I had to contact the Card Services on the back of the card in which I did, and the dispute process began. <P/>It is currently XX/XX/XXXX, and I was told on XX/XX/XXXX by XXXX XXXX XXXX ( XXXX XXXX - SVP, Group Manager ) that the {$600.00} was refunded back to Citi Card onXX/XX/XXXX. Citi Card has not to this day dispersed my {$600.00} back on the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I originally lost my information in a wallet and i wasn't aware of motoring my credit. So, in XXXX when I checked my credit report. I seen so these accounts that did not belong to me. I requested to have 3 Credit agencies freeze my credit file and added fraud alert. Then started disputing the accounts that didn't belong to me and the only one that has not deleted the remaining credit cards accounts is XXXX. The other 2 comply with my request back in XXXX. It will be 8 months and counting that no changes were made with these store credit cards accounts that do not belong to me. I sent XXXX  copies of the FTC ID theft report copies and still no deletions were made. I can't allow to use the excuse of COVID due to delays when is my personal information is at jeopardy. I demand these accounts be deleted immediately or i will file ligation due to the distress XXXX  caused me.
Product: Credit reporting

There is a XXXX post paid account that has been added and deleted to my credit file several times. The date of first delinquency with this creditor was in XX/XX/XXXX and it appeared on my credit file as XXXX in XX/XX/XXXX. The accuracy of the information was challenged and subsequently deleted. This item appeared again on my credit report XX/XX/XXXX with a open account date of XXXX XXXX under the collection agency, XXXX XXXX, XXXX, Account # XXXX, the Experian Credit report # XXXX. This information was challenged and subsequently deleted. Now, the information is once again showing on my Experian credit file report # XXXX under the collection agency, XXXX XXXX XXXX with an open account date of XXXX, XXXX. I challenged the accuracy of this information as it is a re-aged account in XXXX, XXXX and I received an email confirming the investigation was completed and the credit collection will remain an open account with a date of XXXX, XXXX despite this information is a re-aged account. Please assist me with this matter as it has seriously damaged my credit score since it is showing as a new collection account and it is also going to remain on my credit file longer than legal because it is re-aged to XX/XX/XXXX rather than the first date of delinquency in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, AMEX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX and XXXX XXXX, XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authoriz ation Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Checking or savings account

on XX/XX/year> at XXXX, I called chime to close my checking account and a representative told me my account couldn't be closed because of a verification process. I told the representative that chime had no right to keep my account open regardless of any reason, and the representative kept ignoring me and said I have to go through the verification process. I recently filed a complaint with chime on the representative that ignored my answer of no when she insisted and recommended my account to be placed on lock and would need to be accessed after going through the verification process, on XX/XX/year>. I want my checking account closed and funds transferred to another banking institution because I'm trapped in another state after my chime debit was stolen and need my checking account funds to go back home. I've been stuck in XXXX XXXX since XX/XX/year>, because my drivers license was also stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a real live person just trying to live their life. Within my right as a citizen I am trying to refinance my home and purchase a car. Because of the XXXX XXXX XXXX XXXX  my score is still going down. 

Explain. I opened a XXXX XXXX XXXX and XXXXXXXX XXXX XXXX for use for my grandchildren. Shouldnt be anyones business. Immediately reported on my credit report. 

I opened an XXXX Account for business. I got hit with points for opening new accounts I paid down accounts got 2-3 points Put in an application for a car loan a couple of places- got points taken away Creditor pulled Transunion I got rate of XXXX XXXX I got rate of XXXX Put in for a home loan - got points taken away XXXX XXXX XXXX is still reporting the XXXX Payment I previously disputed! 

Whats Fair about this? 



I
Product: Mortgage

XXXX we bought the house and the loan was from XXXX. We were paying XXXXa month. The loan was going on interest only for 5 years. In 4 in a half years later we submitted a loan modification. The loan amount stayed the same with taxes included. The insurance was paid separate this was in XXXX. In XXXX I called b of a asking them if they can help me with modification because I knew the rate was going up and I 'm on XXXX and social security. They told me yes, they can help and to fill out the modification forms. After, I received the modification that the loan has been sold to sls mortgage. So, I had no help from XXXX like they mentioned to me. I continued sending my payments on time every month. I asked in XXXX XXXX respectful in my interest and payment for XXXX. The mortgage sls told me they were going to send me a letter within 45 days before about the information how much my payment is along with my interest. I never received this letter. 
Approx. on XXXX XXXX I just received the letter. The letter of the new payment to start on XXXX XXXX, XXXX the amount of XXXX a month. this is the complaint that I 'm doing. That XXXX and knew they were going to help me and complicated to make this payment. bottom line is that XXXX mentioned they were going to help me and they decided to sell it to sls. In XXXX XXXX I submitted a package of modification to the mortgage sls. They denied it because of my income. They said that its better to sell the house and they can not help me at all. In XXXX XXXX XXXX I submitted a new form of modification with a little more income included. I 'm not sure if they will deny it or accept it to help me with a lower mortgage. If they do n't accept it I would have to leave the house because the fault of XXXX telling me they will help. Without me knowing from XXXX was going to go up XXXX. I became on XXXX permanent with social security. My wife is retired. The only thing I want is to find out how they did this to me this contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX {$230.00} not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I TRY TO DISPUTE INFORMATION WITH XXXX, XXXX, EQUFIAX THAT'S NOT TRUE I HAVE DONE EVERYTHING AND STILL NO ONE IS HELPING ME
Product: Checking or savings account

I received several letters in the mail XX/XX/2022 from a Credit Union stating that I had attempted to open several accounts with them, and another welcome letter containing a debit card. I did not attempt to open any accounts from anywhere. 

The account that managed to be opened was opened on XX/XX/2022. 

I found the Credit Unions website and called around until I got an employee who then flagged my account ( s ) as fraudulent. The employee said that I would be getting an affidavit in the mail from their fraud department that I would have to sign in order to close the account ( s ). 

It has been a month since that call, but have not seen the affidavit come in the mail. 

Today, I received a welcome packet from the same Credit Union for the same account number that the debit card came with, so I called again. 

The person I spoke to today assured me that any accounts associated with my name are flagged, so nothing can be opened or used, and that the affidavit is definitely on its way. We shall see.
Product: Credit card or prepaid card

I was advised months back that once I pay 6 consistent payments on time that my account would become unrestricted. I have made 8 on time payments and the account is still restricted. Upon calling in today I was advised that the account is currently open however it still restricted and they leave it to the customer to close the case. Which is inaccurate because Capital One unrestricted my business account as well as my sons card. I was also advised that I was unable to use my rewards points because of the account restriction. The representative was rude and unwilling to get to the problem of concerns. This is unacceptable and so was the representative attitude.