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

i reached out to EQUIFAX AND XXXX ABOUT THESE COLLECTION ACCOUNT THAT DOESNT BELONG TO ME AND THEY ARE STILL ON MY CREDIT REPORT AND ALSO THE FRAUDULENT INQUIRIES I WANT THEM REMOVED ASAP
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Auto Loan Accounts Reported on My Credit Report Under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of auto loan accounts that appear on my credit report. These accounts do not belong to me and have been erroneously included in my credit file. The specific details of the disputed accounts are as follows : Creditor/Lender Name : XXXX XXXX Amount Reported : {$21000.00} Creditor/Lender Name : XXXX XXXX Amount Reported : {$7100.00} Creditor/Lender Name : XXXX Amount Reported : {$10000.00} Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate or incomplete information contained in my credit report, and the credit reporting agency is legally obligated to conduct a thorough and timely reinvestigation of the disputed information within 30 days of receiving this dispute notice. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy in the information they include in consumer reports.

Given that these auto loan accounts do not belong to me, I demand that you initiate an immediate reinvestigation, contact the original creditor ( s ) for verification, and take corrective action by removing these inaccurate entries from my credit report. I have attached copies of relevant documents, including a copy of my credit report with the disputed information highlighted and a copy of my government-issued identification, to assist you in accurately identifying my account.

In accordance with FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the reinvestigation does not substantiate the accuracy of the information, you are required to promptly delete or correct the disputed items. I also request that you provide me with a written response detailing the results of your investigation, along with an updated copy of my credit report once the inaccuracies have been addressed. 

Please be advised that failure to comply with the FCRA 's obligations may result in legal action to enforce my rights and seek any applicable remedies under federal law.

Thank you for your immediate attention to this matter. I look forward to a swift resolution and the correction of my credit report. 

Sincerely, XXXX XXXX
Product: Money transfers

I own a XXXX. I entered into a contract withMoneyGram to become an XXXX. An employee ofMoneyGram contacted me saying the lease wasexpiring on the terminal they furnished. Longstory short my business was scammed out of {$38000.00}. I have proof it was an employee ofMoneyGram and I am still being sued. 
MoneyGram did not cooperate with the policeor my lawyer. My attorney asked for proofthat the money was paid to whom, when andwhere. We were told the information wasirrelevant. I need help I am being scammed2x by the same company
Product: Mortgage

My loan servicer, Wells Fargo, is transferring my mortgage to XXXX XXXX ( effective XX/XX/23 ). Wells Fargo customer service has stated that there's nothing they can do to stop the transfer. Even though that is my preferred outcome. 

This practice of transferring mortgages to a different servicer without consulting the consumer and getting permission, is not fair to the consumer. When the mortgage is transferred, it will negatively impact the consumer 's credit score due to a new account on the credit report that changes the length of credit history factor and other calculations. 

As someone actively working to increase my credit score, I am aggrieved, that my credit score will now take a negative hit for no fault of my own. 

This practice needs to change for everyone.
Product: Bank account or service

Opened a savings account with TD bank on XXXX XXXX and have made XXXX transactions ( electronic funds transfer ) online to and from my checking account. Was informed by TD that it is their policy to only issue quarterly statements, regardless of the number and nature of transactions made in that month. 
Regulation E 1005.9 directly refutes that policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX XXXX Report - Excessive Number of Credit Inquiries, Impacting Credit Scores ( Not Significantly ). XXXX  XXXX XXXX Told me to Shop around for a New Home Mortgage and Best Rates for 30 days without fear of negative impact on credit scores. XXXX XXXX told me there is room for credit repair here.
Product: Consumer Loan

I 've had a car loan with Santander since XXXX XXXX. I stopped receiving statements around XXXX, but continued making payments above my monthly requirement. 
In XXXX I called to inquire about statements and what the balance on my loan was. They informed me that I was some {$1100.00} ahead of payments and the value of my payoff. They could not explain the lack of statements. 
I tried to get back into the pre-planned payment schedule but without statements, I was guessing. 
I made a payment on XXXX XXXX XXXX for {$250.00} and went about life. On XXXX XXXX I received a pre-paid debit card from Santander for {$250.00} for " overpayment '' on my car loan. I immediately reached out to them, but it was difficult to understand what was going on as all my information had been purged after my loan was " sold ''. 
I asked why it had been sold, and why I was not informed. Their response was crude and said that they did not need to inform the borrower. I asked if my payments had fallen behind and if such, why did they not advise me via some correspondence ( they have my email, because they contacted me after the call to make sure I was satisfied with my phone call ). They again said that they did not have to notify the borrower of anything and that most likely I fell behind and that 's why they sold the loan. They recommended I take it up with the company that bought the loan. I, obviously felt that it was ridiculous to complain to the new lender, since my issue was with Santander ; but it fell in deaf ears. They did volunteer that the loan had been sold on XXXX XXXX. 
They provided me the contact to XXXX XXXX. I contacted XXXX the following day. XXXX had no knowledge of who I or my wife were, nor did they have a record of my past loan with Santander. 
I called Santander back the next day. They insisted that my loan was now with XXXX. After much insistence they said they 'd research and that I should call back the next day. 
As requested, I called Santander, and once more they insisted that I try XXXX. After requesting to talk to a supervisor, they arrived at a new name. Now I should call XXXX. At this point I had very little confidence in the process that had been followed. XXXX recognized my loan, but told me that they were XXXX XXXX. Nevertheless, they could not offer me any information and requested I contact XXXX, who would be servicing my loan. 
I have reached XXXX and requested that they send me some information about my loan. I am worried that without proper paperwork, I may be making payments into a black-hole. 
How can Santander not provide me with any feedback of the status of my loan?
Product: Debt collection

AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

I was the victim of a phone scam on Thursday XX/XX/year> at XXXX XXXX. I was contacted by XXXX XXXX  ( XXXX ) that there was a fraudulent {$1000.00} transaction from my account. They asked me to verify my information. The criminal masked his number to appear he was calling from XXXX XXXX and used the information I provided to hack my bank account and transfer {$6000.00} using a XXXX and XXXX XXXX account he created. I froze my credit that day with Experian, XXXX and XXXX. 
On Saturday XXXX I realized my password and phone number tied to the Experian account have been changed and I can now longer access my Experian account. I have tried to call Experian multiple times today during business hours and their automated system will NOT let me talk to a customer service representative. Conversely, XXXX allows you to talk to a representative for assistance even on a Saturday. As of now, I am still unable to access my Experian account. It appears my credit report is still frozen which is a relief, but Experian can not leave their customers without any support and without a way to resolve these issues with a live representative.
Product: Credit reporting or other personal consumer reports

In XXXX I received a bank statement from American Express stating that I opened a Business Platinum Card and the company name is XXXX XXXX XXXX XXXX. The statement said I had a balance of XXXX due, and I could see on the statement where the thief spent the money. I never opened an account with American Express, so I contacted them and alerted them to have an investigation. Recently I contacted American Express to know the progress and they told me that their investigation saw the account was paying back some money to the bank and the account that was paying back is also under my name. So they closed the investigation and still required me to pay back the money. The representative told me the bank that was paying back was XXXX XXXXXXXX, and I never had a XXXX XXXX XXXX account either, so I contacted XXXX XXXXXXXX and they are doing an investigation as well. Then I got back to American Express for them to reopen the investigation and work with XXXX XXXX. When I contacted American Express, the representative verified the information with me and I can know that the thief had all my information, including my date of birth, SSN, address, and my name. Recently I also received mail from XXXXXXXX XXXX, with the thief opening another account under my name without my knowledge and permission. I checked the information on XXXX and XXXX, and I noticed that the person had requested several inquiries under my name, including XXXXXXXX XXXX XXXX  requested on XX/XX/XXXXXXXX XXXX XXXX requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXXXXXX accessed my credit report without my knowledge, XXXX requested on XX/XX/XXXX, XX/XX/XXXX, American Express requested on XX/XX/XXXX, my XXXX report was also requested several timesXXXX XXXX XXXX was requested almost 200 times since XX/XX/XXXX, XXXXXXXX XXXX was requested on XX/XX/XXXX, my XXXX report was also requested multiple times without my permission. This information is based on the inquiries when I opened the three credit companies my own and I froze all three of them. Thank you so much for the investigation, please help me.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and concern regarding the recent attempt to rectify the late opening of accounts. Despite assurances and prior attempts to resolve this issue, I find it disappointing that a second attempt was necessary to address the matter adequately. 

I understand that mistakes can happen, but repeated oversights are unacceptable. This situation reflects poorly on your company 's efficiency and attention to detail. Moreover, it raises questions about the reliability of your services and the level of professionalism exhibited in handling customer accounts. 

I urge you to take immediate action to rectify this situation and ensure that similar delays do not occur in the future. Additionally, I expect clear communication regarding the steps being taken to prevent such issues from arising again. 

Furthermore, I request compensation for the inconvenience and time wasted due to the delayed account openings and the need for a second attempt to correct the error. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX. 2024 at XXXX The guy that works for Global Lending called and left a XXXX harassment message on my voicemail Transcription " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I called back and made a complaint to the Supervisor and requested he never call or have access to my stuff again. 

I asked what could be done and how long it would take. She stated that she couldnt tell me anything.
Product: Debt collection

Not my Loan ' and do n't know the person ' they 're asking for
Product: Credit reporting or other personal consumer reports

I never did get my credit report from this company.
Product: Debt collection

Good afternoon, I received notification that I have an amount due in collections. I contacted the debit collection Transworld Systems. I have disputed the charge. I contacted the company XXXX. They changed the billing information for my account without my authorization and entered someone else 's credit card for my account. They failed to notify me any balance owed or that my payment was declined for a year. 

It was for auto insurance payments. I requested the invoices. In two invoices it states I owe a balance. In the previous statement I was informed that I was getting a refund. 

The invoices were not created at the time the payment was due, or past due. They were created in XX/XX/XXXX and XX/XX/XXXX. My policy with this company ended in XXXX of XXXX. 

I contacted the company. They claim they tried to draft the payment but could only collect a partial payment. XXXX XXXX told me the last 4 of the card on file. I have no card that has those numbers. They had tried to use someone else 's card that I have never had on file for my account. I even have the original authorization forms with correct information. All payments from XXXX XXXX were drafted off of my correct card. 

I now have this is collections damaging my credit due to the mishandling by their billing department of my financial information. I did not receive any notice. One that states I am being refunded was sent to an address I haven't live at since XXXX and it is not an address on my insurance policy. I didn't live there when I started the policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries on my consumer reports from TransUnion and XXXX. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any unauthorized inquiries on my credit report as they affect my credit score negatively.

As per 15 USC 1681b, my consumer reports should only be accessed for a permissible purpose. Since I did not authorize the inquiries made on my credit report, they were unauthorized and not for a permissible purpose. Therefore, Im requesting the removal of the inquiries from my credit report.

There are 7 unauthorized inquires on my consumer report on XX/XX/23 i sent a dispute to Transunion. 

I called XXXX reference XXXX XXXX they did remove inquiries but according to 15 usc 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) 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 ;
Product: Credit card or prepaid card

XX/XX/2021 went to XXXX to load money on the Amereican Express bluebird prepaid card. It was declined 3 times, Called customer service at Bluebird I needed to verify my address,, My mailing address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX wv. I live in a rural area and we donot recieve mail at our house. all mail and parcels go to the post office, I explaned this three times to customer service, They verified the address. Then said to try and load the card again. 

XX/XX/2021 when into XXXX again to load money on the card and it was again declined. 

called customer service again. The first time I was hung up on by the supervisor after I had explaned the same situtation about living in a rural area with no mail delivery.And every peice mail is delivery to the Post Office.

the second time I called back after being hung up on I requested that my account be closed and my funds be overnighted to me, I was told that it would take up to 10 business days and that USPS would be used to send my check. 

My cards hve been suspened and BlueBird is holding MY money as hostage because I live in a rural area with no mail delivery, I want my accounts closed ( I have two ) and my money overnighted immediately. It is my money and I should not have to wait wait while American Express is making money on holding my funds.
Product: Debt collection

On XX/XX/XXXX a debt validation letter was sent to National Credit Adjusters for my account. On XX/XX/XXXX, I received a letter from National Credit Adjusters that to properly investigate 30 days or more would be needed and that I would receive documentation of my debt validation when completed. I have not heard back from National Credit Adjusters since this letter and they have failed to provide debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian the major consumer reporting agencies is ignoring my letters or claiming they have been verified when i ask for the information to be deleted. The creditors that i have disputed are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  My rights have been violated per 15 U.S. Code 1681i ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; There was NO NOTICE OF DISPUTE. this is a violation of my rights 15 U.S. Code 1681b In accordance with the written instructions of the consumer to whom it relates.

They do not have written permission to furnish the information about me.

5 U.S.Code 552a and most of all my right to privacy was violated with them publishing this information about me I have tried to dispute this with the consumer reporting agencies as well as the persons supplying the information to no avail. 

These people are crooks and are only doing what is in their best interest which is a conflict against mines.
Product: Debt collection

I keep having calls regarding a debt owed to Harley Davidson. No one at my number has any dealings with the company calling. I've told them to stop, and they continue to call and hang up now that I don't answer the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

As an XX/XX/XXXX CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW! 
I demand the following accounts be verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am I am a living human being I have rights under 15 USC 1681 Equifax is governed by 15 USC 1681 and they violated my rights numerous of times. I demand accounts listed below be removed because according to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing 5 fraudulent Inquiries from my Transunion and XXXX credit Report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the listed inquiries do not belong to me and must be removed from my transunion and XXXX  credit report. i had a call with all companies and credit reporting agency and was adviced to fill identity theft for deletion i am requesting transunion and XXXX to mark listed inquiries as fraudulent and remove them from my credit report