23daVinci/CFPB_Complaints huggingface dataset:
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, because they pulled my report as a soft pull, hard pull without my written or spoken permission. 
Account that pulled my report without permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A : states that I have the right to privacy.

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

According to 15 U.S.C 1681n ( A ) ( 1 ) : 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}. 
I am entitled to a full {$1000.00} ( violation ) payment. Please process the payments as soon as possible and provide me with written confirmation through mail that the payment has been completed.
Product: Bank account or service

Please review prior complaints numbered : XXXX and XXXX. 
This complaint is a follow up to the XXXX prior complaints, and refers to untruthful statements made by Well Fargo in reply to BOTH the prior complaints. In summary, Wells Fargo alleges that I can transfer money from my US Wells Fargo accounts to my bank in the XXXX XXXX using the Wells Fargo online system. I have a Wells Fargo on line account ( despite the Wells Fargo repeated assertion that I do not have such an account ). I phoned the Wells Fargo phone Help Line today to help me transfer funds. They told me today that there is a tab on the online web page ( the tab is allegedly called " Wire Transfers '' ). No such tab appeared on my session with the Wells Fargo on line system. Wells Fargo asked me to reboot my computer, which I did. When I logged on to the Wells Fargo online system again, there was STILL NO SUCH TAB and no such page on their online system. Wells Fargo have told the CFPB in writing, twice, that wire transfers can be accomplished from the US to the XXXX using their online system, but today, even with the help of the Wells Fargo phone Help Line, Wells Fargo could not demonstrate that this transfer capability even exists.
Product: Credit reporting or other personal consumer reports

I am following up with the CFPB for the second time and relation to my one and only address i have provided the companies Equifax experience and XXXX with my state ID and other documentation showing my only address but the companies have not updated nor sent me of The old address is being removed. To Whom it May Concern : I recently pulled a copy of my credit reports On all three bureaus Equifax, XXXX and XXXX and noticed the following information are in error : Names And Addresses and phone numbers I have filed a FTC report that i have attached to this document here today. The following are, Phone Numbers : are incorrect and is damaging my credit health ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiries : I gave no written consent to furnish or pull I do not recognize The inquiries which are listed in Ftc report attached Addresses that need to be deleted or updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have given your company more than 30 days to remedy the false and incorrect information. You have not written nor responded. Which will be notedXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I Recently an ETRade Max checking account via paper application, They made an error on my last name upon opening account, after various calls to CS and submitting requested documents, I hadn't received any updates on Correction, Yesterday XX/XX/2024 I decided to transfer my deposit back to my linked account and was going to close account as I felt they weren't capable of resolving minor issue. They froze my transfer request and I was informed by secure message when I logged in to inquire. I was in a chat waiting for over an hour, stopped informing me of updated time frame, I called CS Number while still waiting for live chat, spoke with CS was transferred to another department, was informed I had to upload Drivers lic, Cust verification form and to call back and it would be resolved. I did that and called this morning and was redirected to Activation services XX/XX/2024 who informed me I had to upload copies of current Bank statements from the Institution I originally funded account with. The check I sent was deposited and cleared, I successfully linked a savings account. So I at this point I Had to submit a W9 form, Name change form, ( the error was 100 % on their end from the start on entering data from the application ) Drivers License, Customer verification form and now Bank statements from linked account all so I can have my deposit refunded and close account.I honestly think they are trying to discourage me from closing account by placing these hurdles. They should have been able to resolve a simple error on their part by correcting the spelling of a last name, Instead I have spent over 4 hours on the phone and in a live chat that was never going to be answered, They could have just said we'll credit your account that your deposit was from, we'll send you a check etc, quite simple, Instead they inform me they're very sorry but I should still consider banking and investing with them, What I've explained is mild to what I actually experienced so far and it is not resolved.
Product: Debt collection

I received a phone call from " coast professional '' at my place of employment. The person on the phone asked if I was ( my name ). After I said " yes, '' she then asked me to give her either my phone number, address, or last XXXX digits of my social. I became very uncomfortable & asked her what this call was about. She refused to tell me until I gave her XXXX of the XXXX bits of information. At that point, I looked up the company online & saw that she was calling on behalf of a debt collection agency. So, I asked her if her call was regarding a debt collection. She said she could not tell me that information, but offered to let me speak with a supervisor. The supervisor then asked me to provide XXXX of the XXXX pieces of information. He also refused to tell me if the call was in regard to a debt collection. Although I was very nervous to give him any information, I did. The supervisor then told me I was n't the person they were looking for. Anyway, my belief is that this was a fishing expedition. As soon as I said I was the name they were looking for, the company was required, under the Fair Debt Collection Practices Act, to identify themselves as debt collectors. They did not.
Product: Debt collection

XX/XX/2017 I began receiving letters from Afini collections about a debit they claim I owe to XXXX for an auto accident that they allege occurred on XX/XX/2017 On behalf of XXXX. They first claim that I owe {$1000.00} but have since reduced that amount to {$520.00}. 
My complaint is that I was never involved in an accident, and have never been contacted by XXXX about being involved in a traffic accident and Afini has not provided any other information other than a demand for payment. 
I was not involved in a traffic accident
Product: Credit card

I went to get my new cab registration today for my semi tractor in north carolina i feel like they are stalking every move and purchase i make. My credit limit on my pay pal cash back was XXXX dollars today they lowered it to XXXX its at XXXX no payment do they sent me an email ssying they are closing my account today for no reason no payment do never been late did nit yse this card for cab registration used anotger card. They also lowered a credit limit on another pay pay card to XXXX was XXXX following me everywhere. I have good credit make enough money to cover payments this will ruin my credit.
Product: Credit reporting or other personal consumer reports

After receiving a copy of my credit report, I noticed a number of unauthorized inquiries and accounts not belonging to me and were not authorized by me. I've repeatedly tried to address this problem with the companies and the credit reporting agencies, but I've not been able to get help. 

Here are the fraudulent accounts and inquiries below : - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue has been making life very difficult. I can not begin to tell you how many times I have submitted proof of innacurate reporting from XXXX. Back in XXXX this account was supposed to be closed and removed from my account and for the past couple of months I have been doing nothing but providing proof of this. Today I checked my credit report and it showed that my credit report has gone down XXXX points due to this account. I have already put in an offer for my house which was accepted, and this on my account is the worst thing that could happen. This account is closed, so why would my credit score go down because of a missed payment? If you check your records, you will see that I have shown proof that this account should no longer be on my report.
Product: Debt collection

My actual issue is with a debt buyer who after three rounds of letters have refused to validate their ownership of my debt and provide proof of my contract with them to pay. They are also reporting on one of the credit bureaus that I have a late payment of 120 days ( EQ ). This is false and inaccurate information and I request that the below mentioned account be removed from all three of the credit bureaus. 

Midland Credit Account # XXXX
Product: Credit reporting or other personal consumer reports

Fraudulently account was opened on my name. Please remove these two items from XXXX XXXX XXXX ( account # XXXX and XXXX ) from the credit report
Product: Credit card or prepaid card

XX/XX/2022, I made a payment to XXXX XXXX Tax, and the payment was rejected by Golden 1 credit union I had over {$4300.00}, in the bank which is why I was making the payment. Well, the bank rejected the payment and I received a notice days later from XXXX XXXX XXXX Collector. I contacted Golden 1 credit union and they told me that it should have cleared but don't worry the Tax Collector will put the payment through again. A got a letter in the mail that said I now owe an additional {$53.00} for the return payment. So I call Golden 1 and did as instructed and I am still frightening them today. I am out of my {$2100.00} and {$53.00} fee due to XXXX XXXX XXXX Collector. 

What I want : The Golden 1 currently owe me a {$53.00} fee for the return payment and {$2100.00} for the tax payment sent to XXXX XXXX XXXX. Golden 1 currently has my {$2100.00}.
Product: Credit card

On XX/XX/XXXX, I received a letter from Discover, XXXX XXXX XXXX, XXXX XXXX, OH XXXX stating that they were attempting to contact me regarding their need to obtain additional information from me about a fraud claim I filed with them concerning a charge to my credit card dated XX/XX/XXXX in the amount of {$2500.00} for " merchandise '' purchased at " XXXX XXXX XXXX XXXX '', XXXX as well as a second charge of {$6.00} made at " XXXX 's XXXX '', XXXX ( total disputed amount equalling {$2500.00}. I immediately called the number listed in this correspondence ( XXXX ) and spoke with a Discover representative, answering his questions truthfully that I have never been in a XXXX XXXX XXXX XXXX  nor did I make any purchases there or at the XXXX 's the same day. On XX/XX/XXXX, I reviewed my checking account and learned that, despite my honesty, they had placed these charges back on my checking account. I called Discover again only to be told their investigation determined I was to be held liable for these two charges. I am furious considering whoever made these charges was declined initially ( according to Discover ) but then approved minutes later. I should have lied when they asked me if my credit card was ever lost or stolen but it wasn't ( to my knowledge ) and I know with absolute certainty I did not authorize these two purchases nor did any of my family or friends make these purchases. Because of their actions, I was notified by XXXX XXXX that my credit rating went down XXXX points due to someone stealing my identity. I have been a loyal customer of Discover with outstanding credit who pays his debts faithfully but I refuse to be held liable for something and someone that I have no control over. Please help. Thank you for any assistance you can provide me. Respectfully, XXXX XXXX XXXX
Product: Debt collection

Every day they call numerous times from over a hundred spoofed numbers... Different numbers every time
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation of 15 USC 1681 ( a ) ( 4 ) Transunion Infringed upon my consumer right to privacy 15 USC 1681b ( a ) ( 2 ) Transunion had no permissible purpose/no written instruction from the consumer 15 USC 1681a- ( e ) On XX/XX/21 Transunion sent correspondence stating they completed an investigative consumer report. 
Transunion used a third party credit reporting agency to complete an investigative consumer report which according to 15 USC 1681a- ( e ) such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer Transunion also uses XXXX XXXX to investigate public record items. XXXX XXXX was acquired by XXXX XXXX and XXXX XXXX removed the bankruptcy from my record pursuant to the aforementioned reasons, yet Transunion illegally verified the item and continues to report this information. Transunion is not being honest with how they investigate and validate information and has disregarded the information they state they received from their third party vendor, in their letter dated XX/XX/21.
Product: Vehicle loan or lease

I have been regularly making payments on my loan and receiving confirmation emails about each payment, showing they were completed. I go to buy a house and show I have a late payment on my credit and it hurt my credit for almost XXXX points ( XXXX down to XXXX XXXX XXXX ). The company tells me they have been trying to reach me and I am in collections, which is surprise to me considering I have record of every payment made. 

I made sure the loan is paid in full, sent a full description of the issue to the company of the misunderstanding asking them to clear this from my credit, which they declined to do. 

I then disputed with the credit bureaus, which have all ran reports saying the report is accurate. I am still paying regularly on this loan, but want to get this cleared as it shows up for every business loan, line of credit, refinance, etc. that I attempt to do. 

Attached is the original dispute I sent to the company, as well as the attempt to dispute with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information 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 this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX  XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : {$32000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permission, consent, authorization, to make a report nor did I benefit from the items listed on the report. On or about XX/XX/XXXX I called each agency, seeking to correct the report. I have sent in a complaint prior to instructing them on the items to remove ; Correcting the Name, address, phone number, occupation, open and closed accounts, inquiries. An adverse event happen, XXXX XXXX denied me my open-end account. I have instructed each agency, being subjects to the public the regulations state they must remove items from the report when they are being disputed, and they have not. that constitutes a form of identity theft. I have had a phone call confirmation stating that they did and they have not. Hindering delaying the pursuit of life liberty and happiness our monarch.
Product: Credit reporting

The students loans I owed for college are paid off in full. My credit report states that I have different student loans, but all were paid. XXXX University in XXXX confirmed they are all paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company advertised that they would help build my credit quickly by loaning money to myself. I was suppose to make a payment every month and at the end i would get money back. I never borrowed money from them it was suppose to be a savings plan and they said they would report only good credit. My credit report went done XXXX points immediately first month after they reported me late because I enter the wrong bank information for direct payment. I never seen anything that said they would report you bad and their false & misleading advertisements doesn't say we will report you for bad credit not just good credit. It's very misleading and completely unfair! I was loaning money to myself, I never borrowed a XXXX from this company and I don't feel they should be able to this to people. For a year I had already been disputing false information off my credit report because it was destroyed by fraud. All the work i had done and everything i had accomplished fixing my credit report this company destroyed in XXXX minutes. I asked to close account, they didn't and reported me late again because I quit making the payments. They actual tried to tell me they raised my score. No I don't think so! It went up from fraud account dispute being removed. On my report they are now the only late payments I have on my credit and it's most recent and looks bad. This has caused me major financial hardship! It is just not right that a company you don't owe money to and was suppose to help you build credit would just destroy someone like that. I've disputed and pleaded with them several times and they refuse to fix the false unfair report on my credit. I can't even get a business loan, credit card, car or anything and it's gon na be on my report for XXXX   years ... .. Sad!!
Product: Checking or savings account

XX/XX/2023 I tried logging into my chase bank account, Instead I was locked out of my account due to suspicious activity. I Called the number provided and was told my account was cancelled and under investigation and that I could not withdraw my funds. I went to a branch and was told the same thing. The rep let me know that I have an available balance of XXXX and that a check would get mailed out to me that I would receive it in 20 days possibly. This will cause me to miss paying my bills and me and my family the possibility of becoming homeless if the process isnt handled before 20 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX 'XXXX Private collections department, XXXX XXXX, to settle in full a private loan. After making a one time payment on the account I was told by the representative that it was settled with a XXXX   balance and that he would immediately report it to the proper division and have the account removed from my credit report. After the transaction was finished he did nothing from XX/XX/2018 until I finally realized I was being charged monthly by XXXX. I called XXXX and realized that nothing had been down for over a month and a half. He only reported the transaction as a payment. No one was notified that it was settled and was due to be removed from my credit report. He says he is now resolving the problem, but I don't trust that he will work to get it removed from my credit history. Now I have to wait an additional 30 days just to have a dispute resolution done by XXXX. My credit will reflect my payment for 3 to 5 months according to an XXXX agent. During the same time period I settled my remaining 4 collections accounts which are currently all reflected with one exception. XXXX XXXX XXXX XXXX did the same thing with one exception. XXXX XXXX XXXX XXXX sold my information to to companies who were texting me and claiming to be the IRS and that I was getting charged with a crime.
Product: Debt collection

Firstsource Advtantage LLC continues to call me every other day leaving a voicemail just saying to call back. No information, no confirmation of who they are calling. I've never owed a debt outside of my monthly credit card bill which I pay on time anyway. They need to stop and it's obvious their actions are terrible given their feedback and multiple threads on forums online.