23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I tried to use my XXXX to cash a check mobilly. XXXX has partnered with Ingo money services to perform these tasks. I entered into my secure XXXX app, and followed the directions for instant deposit, taking a photo of the front and back of the endorsed check. I then received a message from INGO with the XXXX logo that they were ready to deposit the money into my XXXX, but first I needed to write VOID in big letters across the front of the check. I did so, and used my secure XXXX app to send the photo. However no matter how many times I tried, the app would not accept or approve my picture. It appears that the app is flawed or has a programming issue. When I take my picture, the app enters another screen and then flips vertically, then horizontally, and when it goes back to verticle, the image file is gone and the app says I still need to take a picture. No matter how many times I take the picture, I can't get it to send. I called XXXX, who told me they could do nothing and to call INGO. I called INGO and emailed and when I did they said it was because I quit the app and it turned out. I tried to tell them I never quit the app and that it seemed like a programming issue because the window kept resetting but they wouldn't listen and just told me to go try again. I did try again and the same issue is happening. 
An hour after submitting my check INGO sent me a message saying the transaction was declined because they never received an image of my voided check, but not to worry because the check was still valid and I can't try elsewhere. Of course, that's not true, the check is no longer valid since I wrote VOID across it in big letters. Now the check is worthless, XXXX will do nothing and INGO is unreachable in any timely matter, and they seem not to listen to the problem. Thank God that this was only XXXX  dollars lost, I have two other checks here I was going to cash with the same method totalling over 400 dollars, which would have been a huge load for me. INGO should not be asking people to write VOID across the checks if they are not going to accept the photo or be available to resolve the issue before they decline the entire transaction.
Product: Debt collection

XXXX sold me a prepaid phone plan. I called to cancel the service, but they continued my service and continued to bill me. XXXX is aware of the problem. 

Furthermore, I attempted to contact Jefferson Capital Systems by telephone at XXXX on Friday XXXX/XXXX/2016, and their phone number said to call during normal business hours.
Product: Money transfer, virtual currency, or money service

I withdrew {$800.00} ( US ) cash from my Chase checking account on XX/XX/year>, at the XXXX XXXX, Massachusetts branch to create a Money Order through that bank. I mailed the Money Order to my Payee, who told me they never received it. So, on XX/XX/year>, I visited the same XXXX XXXX branch to file a claim. The branch rep spoke with XXXX in the Chase Claims department, who researched the Money Order and found that someone had stolen it, whited-out my Payee 's name, and written their own name, XXXX XXXX as the Payee. The branch rep printed out a copy of the fraudulent money order - front and back for my records. The back side showed that this money order had been deposited into a Chase ATM into XXXX XXXX XXXXXXXX XXXX account. The branch rep gave me a " Declaration of Unauthorized Endorsement or Altered Item '' Form to fill out and submit based on XXXXXXXX XXXX  guidance. However, when I called the Chase Claims Department on XX/XX/XXXX, the Claims specialist told me I did not need to submit this form because it was a Chase-to-Chase transaction and was less than {$5000.00}. I also received three phone calls from XXXX, my assigned case manager on the Chase Escalations team who advised me that my claim had not been processed and that I need to contact the Claims team regarding an " altered money order. '' So, I called the Claims team four more times to get four different answers regarding my claim. Every phone rep advised me differently. Two said I needed to complete the " Altered Item '' form, and two others said I did not. Having invested more than eight hours of my personal time, I finally asked to speak with an account supervisor, XXXX, who did further research and confirmed that I do not need to complete any forms in order to receive my {$800.00} ( US ) funds back and that I will get my funds back in 30 days. I also asked XXXX to file a formal complaint on my behalf with Chase for mishandling my query over the period of five days and requiring me to follow up so many times and needing to speak with so many people about a simple transaction that could have been clarified and addressed initially when I visited the XXXX XXXX branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that I have a hard credit inquire from your company on my XXXX, XXXX and XXXX XXXX credit file dated XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX # XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account reporting to my credit report shows a change in the name of an Original Creditor. However, after some research i discovered that the name change occurred with a company that i have never had a contract or business with as they were not in business that year. XXXX XXXX who was formally known as XXXX XXXX is still in business and not XXXX " XXXX on XXXX ''
Product: Credit reporting or other personal consumer reports

I was extremely disappointed this morning when I discovered unauthorized inquiries on my credit report, with no clear reason why. Ive always checked my report without issue, but today, these discrepancies suddenly appeared. I tried refreshing my browser, hoping it was just a technical glitch, but the unauthorized inquiries stayed. Therefore, Im requesting that the documents Ive provided be carefully reviewed so I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified of an inquiry on my credit report. I did not authorize this. I have been unable to reach anyone to resolve this matter.
Product: Debt collection

On XX/XX/year> Credit Corp Solutions , INC. filed a complaint in XXXX XXXX XXXX XXXX Cause No : XXXX, misrepresenting the facts to a court of law in the State of Indiana XXXX attempting to collect a debt by fraud, not owed to Credit Corp .
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax in several occasions with the concern that there are inquiries I did not authorize. I had a fraud alert requesting a phone call to prove identity on my equifax file for a number of months, yet inquiries were popping up and no one was contacting me when my credit file was being pulled. I contacted equifax and spoke with them about my concern and possible fraud on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 ( See attaches file with dispute dates ). Each time I was told they would not remove inquiries, I would need to contact the company that pulled my file. I contacted all of the companies and they stated I needed to speak to Equifax. When I went back to Equifax with this information they stated they still would not remove inquiries. After a few phone calls they did a dispute but still did not remove inquiries or provide proof that I submitted my information to be pulled ( which I did not. I explained it was fraud, hence the fraud alert ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transUnion XXXX XXXX XXXX XXXX XXXX XXXX  HELLO, I am writing to dispute an inaccurate hard inquiry on my credit report. I have reviewed my credit report and found an unauthorized inquiry from transUnion [ XXXX. I did not authorize this inquiry, and it should be removed from my report. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681n ), you are required to ensure the accuracy of the information you report. Inaccurate reporting can result in civil liability for willful noncompliance. I request that you investigate this matter and remove the inaccurate inquiry from my credit report. 
Enclosed are copies of my credit report highlighting the unauthorized inquiry and any supporting documentation. Please provide me with written confirmation that this inquiry has been removed.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX {$4600.00} XX/XX/XXXX At least 120 days or more than four payments past due {$3000.00} XX/XX/XXXX At least 120 days or more than four payments past due {$3000.00} XX/XX/XXXX {$5700.00} XX/XX/XXXX {$3700.00} XX/XX/XXXX {$4100.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$4600.00} STUDENT LOAN ASSIGNED TO GOVERNMENT COLLECTION ACCOUNT XX/XX/XXXX {$4800.00} XXXX LOAN ASSIGNED TO GOVERNMENT COLLECTION ACCOUNT XX/XX/XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU Many of these accounts were reported as delinquent however these accounts are currently in good standing and need to be removed from being reported as such. 

Any addresses or phone numbers that do not accurately identify me should be removed.
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. 

Account Name : XXXX XXXX, Account Number # XXXX, Account Name XXXX XXXX XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX Has violated my rights.

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

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

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Debt collection

On XX/XX/XXXX I purchased a XXXX XXXX and gap  insurance. My finance company was Chase auto finance. On XX/XX/XXXX my XXXX was totaled. My insurance at the time XXXX. Paid Chase auto finance XXXX. My Gap insurance paid the rest. Chase auto finance still says I owe them XXXX. I have disputed this information and submitted documents. To XXXX and XXXX on two Occasions. This information still remains on my credit as unpaid. The documents below will prove I am telling the truth. Proof of what XXXX paid and proof of purchase of gap insurance.
Product: Credit reporting

I have disputed this with the Credit Reporting Agencies and with the credit card company. The credit card company has admitted that this was a fraudulent attempt to open a line of credit in my name and that they would have the inquiry removed from my credit. It has been 41 days since I was told it would be removed. I was told it might take up to 30 days to be removed. Why does it take so long to be removed? I certainly does n't take that long to be added!!! I plan on purchasing a home in the very near future and this will effect my interest rates. I want this removed immediately! ( See case # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX XXXX   XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter on XX/XX/2019 disputing inquiries on my Experian credit report. It has been 3 weeks and still no dispute has been opened regarding the enquiries in 11 days it will have been 30 days since certified letter was mailed.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX & XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXX AV XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

On XX/XX/XXXX, Santander Consumer USA repossessed my vehicle. To my suprise when I called the next day, Santander told me I was XXXX behind on payments. I told them I was unaware of this, but they told me they could not reach out to me as my number was on the DNC list ( a rep placed my number on there mistakenly as the secondary number XXXX was no longer there ). Having said that, I was fine with this amd wanted to work out a payment plan ( I have paid XXXX to the vehicle ; the car was XXXX at retail. Santander has refused to do this. Initially they stated I owed a total of XXXX ; when I spoke to a rep on XX/XX/XXXX, I was told I could pay XXXX to pay the car off. I am not sure why they will not work with me ( they state the loan is charged off, but somehow they still have the loan ) and I am willing to work on the payment. I made a payment of XXXX on the XX/XX/XXXX ( my total amount monthly amount is XXXX paid XXXX less because XXXX had to go to getting TN tags albeit I was going to pay my XXXX that Friday ). I have 8 payments remaining. I have offered auto draft and a host of other options, but they have acted like predators requesting a lump sum. Furthermore, them reducing the amount let 's me know they can. I have also offered to pay more ( XXXX ) for the monthly amount. Can someone please assist as I would like the car back and for it not to go to auction? Also, tis company is still addin late fees and deliquency although the loan is charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681c-2 BLOCK AND DELETE. NOTICE TO XXXX / XXXX/ AND TRANSUNION ON XX/XX/2022 | FTC Identity Theft Report - Proof of identity - Copy of Credit Report - FairCredit ReportingAct Section 605B ALL INCLUDED.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 our government stimulus payments were deposited in my husband 's bank account. He then used PayPal to transfer my portion to me, but neglected to notice that he had to specifically select " Friends and Family '' and it supposedly transferred as payment for goods ; consequently, PayPal deducted a fee for the transfer. I called PayPal and explained the situation and requested that they refund the fee as there was no exchange of goods. Paypal flatly refused, stating that they did not give refunds for fees regardless of the situation.

My husband is XXXX, on daily meds for XXXX  XXXX, and not tech-savvy. This is not the first time I have encountered this situation with Paypal, but it will be the last as I will no longer use it as a means of payment. I believe Paypal takes advantage of individuals who can not read or do not understand the fine print. They are less than helpful, bombastic, and unscrupulous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Laws The Credit Reporting Agencies XXXX, Equifax XXXX XXXX XXXX and all the Creditors that are listed on the credit reports where I made my dispute remarks are uploaded for your convenience, have Violated my FCRA Rights 15 U.S.C. 1681 section 602 A. - 15 U.S.C. 1681 section 604 A sec # 2.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, 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: Debt collection

Helvey and associates says I owe {$510.00} for an XXXX XXXX thats linked to an address I never lived at. Its been placed on my credit report damaging my credit. At the time of bill I was still living at my same residence now. Im including an utility bill from XX/XX/2022 proving my location at the time of bill linking to someone else address
Product: Credit reporting or other personal consumer reports

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

15- U.S.C 1681 section 602 A. States I have the rights 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 or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared out of nowhere. I even refreshed my browser thinking it might be a glitch, but the errors remained. Now, I'm really XXXX and want my documents checked thoroughly so I can put this issue behind me.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account : XXXX XXXX ( Open Date : XX/XX/year>XXXX  ) XXXX XXXX XXXX ( Open Date : XX/XX/year>XXXX  )
Product: Credit reporting

I originally made a dispute regarding a XXXX account in my name. I went ahead and paid the account so I could get it off my credit while I disputed the account with the company and the credit bureaus. The XXXX response I received was that I needed to provide them with evidence that was not previously presented. So I sent them in the proper documentation. I then sent them a letter requesting a description of the procedure they utilized to verify the account. They sent a letter back stating they did n't have to forward any information to the creditor and basically it was not their problem. The other XXXX credit bureaus have corrected this account and it is no longer on my credit report. I also requested them to add a statement to my account regarding an account with XXXX XXXX and they are the only credit bureau who has not complied with my request. I am including the documentation I have relevant to my case. I would like this account updated and/or removed and I would like the statement that I requested added to my credit report. This credit bureau is one of the most difficult to work with because their responses are evasive or they pretend like the request is suspicious. When you request specific information, they ignore the request and send the response back that they want to send. Please help. Thanks.