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

My Experian credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry. 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via XXXX to the address indicated on the Experian credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.
Product: Debt collection

While checking my credit report I noticed a collection put on there by Capital Accounts even after telling them numerous times this was not my debt. I also sent them debt validation letters by certified mail on XX/XX/2021, which they received and signed for XX/XX/2021. Their agents are rude and uncooperative to say the least and are still refusing to take this fraudulent collection off of my credit reports. Instead they sent me emailed me an itemization which has no dates and no signatures from me or the original party. Pursuant to the Fair Debt Collection Reporting Act I demand Capital Accounts take this fraudulent collection off off all three of my credit reports ( XXXX XXXX XXXX ) immediately since the debt is unable to be validated.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX we, wife and myself joint owners of XXXX account for 17 years, purchased Cashiers Check for {$22000.00} at XXXX XXXX branch of WellsFargo ; Mailed to Payee, my 401k plan administrator ; pay-off of the loan balance ; XX/XX/XXXX we submitted Affidavit as to Lost, Destroyed or Stolen Cashiers or Official Check at XXXX XXXX branch Banker 1 stated the sum will be refunded to the checking account 90 days after purchase ( XX/XX/XXXX) XXXX XXXX XXXX 101 days from the Cashiers Check purchase day Met with a Banker at at XXXX XXXX branch, Requested refund of {$22000.00} to the checking account Banker 2 demanded submitting a legal copy of the check as a re-condition to refund. <P/>XX/XX/XXXX 103 days from the Cashiers Check purchase day Payee stated in writing that the Cashiers check was destroyed ; we forwarded the Statement to the Banker 2 ; Requested refund of {$22000.00} to the checking account Payee never cashed the check ; since then - multiple interactions with Customer Care XXXX ; escalated to CASE GMT XXXX at WFB WFB refuses to refund the CASHIER 'S CHECK to our account. since 90-day after XXXX XXXX XXXX Wells Fargo os in breach of UCC and Min. Stat. 336.3-312
Product: Vehicle loan or lease

I had a lease with Ally Financial XXXX XXXX ext XXXX on a XXXX XXXX XXXX account XXXX. I returned the car and the bill me {$4200.00}. I have received an offer from XXXX XXXX XXXX XXXX XXXX account for {$2500.00} that I paid on XX/XX/XXXX. I have call Ally over a month to get a paid in full letter or a delation letter to updated my credit report. I'm in the process of purchase a house for my family and this company and reps they have not update the account nor give me my letter request. Every time that I call they promise the letter by fax or email with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 




Transunion Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX Trans Union XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX 's 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 Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 

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

XXXX  refuses to remove known inquiries that are hurting my credit. I have contacted the company several times and they refuse to remove the inquiries. They told the CFPB that they sent me investigation information which IS NOT true at all. They have yet to send proof of my consent to these inquiries as asked and I want them removed immediately.
Product: Money transfer, virtual currency, or money service

I was told five years ago by XXXX XXXX that I could not use there services! I try to send a wire transfer yesterday and it was refused after I sent it! How long do I have to wait until I can use your company again??? 

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

EQUIFAX, post dispute results of multiple investigations ... 
continues to display XXXX XXXXand in Equifax 's depiction of XXXX XXXX IT IS OBVIOUS on the face of their credit reporting that the account information is both inaccurate and incomplete according to the FCRA, the law of the land in the USA.All proof attached is specific as it includes Equifax hard copy reports as well as 3rd party reports with information transmitted to the 3rd party by EQUIFAX.The information attached is from XXXX calendar week prior to this writing.It includes a partial fix by Equifax of the missing '' term duration '' which was added to this installment loan depiction on XX/XX/XXXX ... .yet the account post update continues to have both inaccurate and incomplete information required by the FCRA ... THE HALF MEASURES AVAIL US NOTHING.EQUIFAX IS UNABLE TO BE CONTACTED ELECTRONICALLY FOR DAYS AS THEY ARE UNDERGOING '' maintenance. '' Equifax has recently sent a threatening letter..stating that they are refusing to reinvestigate beyond the current investigation.EQUIFAX on the phone has individuals who blend their XXXX  XXXX   tongue with XXXX and are unintelligeable on phone conversations to remedy these EQUIFAX breaches of credit reporting law. 
on Equifax XX/XX/XXXX XXXX report the installment loan says the payment both actual and scheduled monthly payment are or were {$0.00} On Equifax XX/XX/XXXX report the installment loan duration is blank, yet on the XXXX XXXX report of XX/XX/XXXX the XXXX  month term is shown.the date closed, the charge-off amount ( significant since loan payments were made ) are left blank.The high credit amount is inaccurate since on loan initiation a portion of the {$2600.00} was withheld by the lender as a loan initiation fee ( pre-paid interest ) and the loan amount or loan proceeds was not XXXX but less. 
nowhere in the account is this information properly depicted.The " high credit '' of {$2600.00} is inaccurate. 

THIS COMPLAINT MAKES A RECORD AS EQUIFAX IS MAKING IT CLEAR THAT THEY WILL REFUSE TO FURTHER INVESTIGATE, CORRECT THE INACCURACIES OR DELETE THE ITEM.EQUIFAX IS CLEAR IN THEIR WRITTEN COMMUNICATION RECEIVED YESTERDAY THAT EQUIFAX REFUSES TO ABIDE BY THE FAIR CREDIT REPORTING ACT, DODD-FRANK, AND ALLOW OR CONSPIRE TO VIOLATE THE FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a truck loan with XXXX XXXX last week and I was approved. I never had any issues with someone trying to obtain credit under my name before I applied for a car loan. 

I got an alert that someone applied online with XXXX with XXXX XXXX or a XXXX credit card which I never applied for. I called XXXX letting them know this and to close down the account, they would not and gave me the worse customer service I have ever had. They told me I needed to file a police report to get this taken care of. 

I called Transunion to get this off my report, but they said I needed to get a hold of CFPB to file a complaint first to get it off. 

I had this same issue with XXXX XXXX XXXXXXXX and XXXX XXXX, and I called up both companies, and they told me they will send me a letter as well as send a letter to the credit bureaus to take off the inquiry, so they were very helpful, but Transunion and XXXX XXXX was not. 

Please have the hard inquiry with Transunion taken off of my credit report as I did not apply for an XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and correct : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Mortgage

I refinanced with Cash Call Mortgage in XX/XX/2021 and received a letter XX/XX/2021 that my loan would be transferred to a new lender. Sometime in mid-XX/XX/2021, I received two mortgage statements. One from Cash Call and the other from XXXX XXXX XXXX. Both statements were due on XX/XX/2021 and were nearly identical and had the same loan amount and interest rate. The only difference is that XXXX  did not include escrow payments. When I spoke with a representative from XXXX, they informed me that the loan was transferred to them on XX/XX/2021. When I spoke with Cash Call on XX/XX/2021, they are denying that the loan was transferred to XXXX and that there was no transfer of the loan at the time. Both parties were requesting payment of the mortgage on XX/XX/2021. I have spoken to Cash Call customer service representatives multiple times but no one has resolved the issue as to why I have two nearly identical mortgage payments due. I am now concerned because I believe that Cash Call could be committing fraud by collecting on my loan that was transferred or they may have released my private information to a third party. I have called XXXX and Cash Call multiple times to clarify the issue with no concrete response. As of XX/XX/2021, the issue still has not been resolved and Cash Call representatives have not informed me as to why XXXX has my loan info and why they are requesting payment.
Product: Debt collection

CURRENT CREDITOR : TD BANK USA, N.A.

ORIGINAL CREDITOR : TD BANK USA, N.A. 
REGARDING : TARGET CREDIT CARD CHARGE-OFF DATE : XX/XX/XXXX TOTAL BALANCE DUE : {$700.00} I received a letter from TD bank and they are stating I owe a balance through target credit card. Ive never open a target credit card. I filed for bankruptcy end of XXXX beginning of XXXX so when this card was open I was unable to establish any kind of credit because of my bankruptcy. I do not own a XXXX XXXX or target. Recently I have been to XXXX XXXX times for XXXX and fraudulent case was closed and I won. Please let me know what else is needed. I confirm this account is not mines and I did not open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Thank you for taking the time to read my complaint. My name is XXXX XXXX, and I have some student loans with inaccurate information, my account number is XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX. After checking my credit report, I discovered a late payment was reported on XX/XX/2016.
Product: Debt collection

Reference File # XXXX, XXXX XXXX sent proof of cancellation XX/XX/year> and account has {$0.00} owed.
Product: Bank account or service

Citibank states that I requested a permanent stop payment on XXXX. In 2013, I requested a one time stop payment for XXXX because I did n't want my account to overdraft. Because of this, my account with XXXX has been closed due to no payments. Every single time since 2013 that I have called Citibank, they did not disclose this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen during the Equifax security breach. This is unacceptable, they need substantially better cyber security.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting this account and have removed it and put it back on my credit report, there was no letter to me within XXXX  days why it was put back on, this is a violation of FCRA. I need that letter and I need the documents that they say verified the entry. 
The company has never verified or validated this debt. I need the full investigative report, period. 

THIS XXXX  IS IN COLLUSION WITH THE DEBT COLLECTOR AND THEY ARE BOTH IN VIOLATION OF FCRA AND XXXX. 

MY RIGHTS ARE BEING VIOLATED.
Product: Debt collection

Was receiving calls from Allied Collections in XXXX, Mi for some outstanding medical bills. On XXXX XXXX, 2017 a settlement was reached for {$1300.00} to close all outstanding medical accounts. The amount was paid in full. Maybe two weeks later after my credit report was refreshed it showed the accounts closed, but NEW accounts were added from Allied Business Solutions ( same company ) all for the same exact dollar amount as the ones that were just paid off in the settlement. Unfair and deceiving business pratice plain and simple. This company operates under different names but are all the same.
Product: Money transfer, virtual currency, or money service

I had an account with Wise XXXX used to transfer money from my local account in the US to another bank account I have in XXXX. Wise also provided a debit card which I used to pay for services while traveling. On Monday, XX/XX/year> my account was unexpectedly closed by Wise without notice or providing any reasons. I had a balance of XXXX USD and XXXXXXXX XXXX in my account. When I tried to log in to Wise the login was denied and I was informed that Wise decided to deactivate my account. I was provided an option to appeal their decision, which I did. The same day, XX/XX/XXXX I got an e-mail from Wise with the following message : " After reviewing your case again, we've decided to keep your account closed. '' During the appeal process I was asked to provide proof or residency and my checking account number for the purpose of remittance of my remaining balance. Till today I did not receive my money back neither was it possible to contact customer support at Wise- in order to do that one has to login and since my account has been deactivated I am not able to do so. From XX/XX/XXXX till XX/XX/XXXX I am abroad on a business trip and because of Wise 's actions I am not able to access my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Checking or savings account

I originally opened a CD account with Marcus years ago and in the past few years, I opened a XXXX with the company. I tried to log-in to my Marcus account around the timeframe of early XXXXXXXX XXXX I got a notification that Marcus had locked my account and I needed to call to resolve the issue. Upon calling, I was informed that my account was being closed. The representative told me that accounts will get closed for three reasons : 1 ) information provided upon account opening is fraudulent 2 ) there is illegal activity 3 ) a negative balance is kept in the account. 

None of those situations pertain to this account, I have referred other people to Marcus in the past, and I had just gotten the balance back up to as high as it has been. So to have the account closed, with no reasoning given, and with no timeframe when I would be receiving the check, was incredibly disappointing and surprising, especially considering I have not received any notice at all. It feels very predatory.
Product: Checking or savings account

I set up a XXXX XXXX payment to be mailed to XXXX XXXX XXXX and delivered by XX/XX/XXXX. When I reviewed my account with the merchant on the morning of XX/XX/XXXX, the bill pay check for {$2000.00} had not been received. I then contacted PNC Bank and requested that a stop payment be made on the bill pay check # XXXX ONLY. Then, I made an ACH payment with the merchant on XX/XX/XXXX for {$2000.00}. Via phone, a PNC representative advised that an investigation would start for the XXXX XXXX payment that I placed a stop payment on and would be completed within 10 business days. The representative also advised that my account would not be credited the funds from the XXXX XXXX payment until the investigation was completed. I called PNC almost daily after XX/XX/XXXX because available the balance in my SPEND account was low and I wanted to make sure my directive had been carried out properly. Unfortunately, despite my efforts PNC did something that I DID NOT ask resulting in me be charged additional fees and losing my ability to pay my rent online with XXXX XXXX XXXX because, PNC Bank ALSO placed a stop payment on the ACH payment I made to cover my XXXX rent in the amount of {$2000.00}. So, not only has PNC mailed my rent late, PNC caused Pathlight to assess a {$25.00} returned check fee to my account, {$180.00} late fee and suspension of my ability to remit future ACH payments with this merchant. I had to mail a cashiers check to XXXX on XX/XX/XXXX via XXXX resulting in postage fees ( {$9.00} ) and me being late for my job. This is unacceptable and I expect to be reimbursed and compensated for this fiasco caused by incompetent PNC representatives who do not properly understand XXXX. Also, if PNC had provided written notification after the XXXX stop payment request was improperly initiated, I could have intercepted this issue. However, PNC only sent notification after the stop payment had been successful. PNC should provide written notification via email and mail for problems like this.
Product: Credit reporting or other personal consumer reports

This is my refilling complaint to TRANSUNION for making no move to address furthermore, eliminate the deceitful records that is as yet thought about my credit report and proceed to harm my standing. I conveyed correspondence letters and protests to them a few times, yet until this time no further move has been made. I have appended my FTC report with report number XXXX. I was expecting that they would report exact data on my record yet it appears they are not.
Product: Debt collection

In an adjunct filing to the complaint XXXX made to CFPB XXXX/XXXX/2015 I make this further complaint about a call received the following day XXXX/XXXX/2015 from phone XXXX which is Receivables Performance Management, XXXX XXXX XXXX XXXX, XXXX, WA XXXX SPONSORED by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX XXXX, ( XXXX ) XXXX, XXXX XXXX, XXXX - XXXX, Ohio, which, again may not be licensed even to operate in my state of Georgia. 
The RPM website services description page lists, " CUSTOMIZED DUNNING Notice Services, XXXX, Early Age REACTIVATION SERVICES, Late Stage.. '' Please note, " OMB # XXXX : An agency MAY NOT CONDUCT or SPONSOR, and a person is not required to respond to, a collection of information unless the collection of information displays a valid control number assigned by the Office of Management and Budget ( OMB ) ... '' These control numbers are never given and more important the service that called me " Receivables Performance Management '' is being contracted and SPONSORED by XXXX & XXXX XXXX XXXX. Both companies are in violation of federal law the count of which is probably in the XXXX.