23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Someone used my name without permission to apply for auto loan. Now that person is in default and Wells Fargo continuously calls me for information on that person. My only concern is whether or not my credit is/or will be affected. I have a stellar credit rating and hope that this will not affect it. I never signed or co-signed any document ( s ) giving my approval for this loan and would appreciate it if Wells Fargo would not continuously contact me in regards to this matter. I had no knowledge that my name and phone number was used in this matter until Wells Fargo started contacting me. It is very annoying to me since I pay all my debts on time and none of my creditors are looking for me for debt that I owe because I pay my creditors on time when due. How can I get Wells Fargo to stop calling me interupting me for a matter that has nothing to do with me.
Product: Bank account or service

I originally opened up a checking and savings account with Wells Fargo. The in approximately XXXX XXXX, I was notified by Wells Fargo through email that they were closing the savings account and adding another or secondary checking account. I did n't really understand the reason why ( maybe to allow for overnight sweeps/loans ) but I let the action occur. Then I transferred money into the secondary account as a lay away fund for a home improvement since the account was there. I gradually moved the money back into the primary checking account and was going to transfer all money back around XXXX/XXXX/XXXX when I noticed the account had less money than I noticed before back in XXXX XXXX. 
Wells Fargo deducted XXXX {$10.00} fees for not maintaining a certain balance in the checking account. 
My opinion is that this second checking account was added to generate just these kind of fess as XXXX checking accounts I do n't need as a consumer. 
Attached is a Excel spreadsheet for the time period of XXXX/XXXX/XXXX XXXX.
Product: Payday loan, title loan, or personal loan

Since round or about XXXX of 2020 this ESTATE has attempted to settle this alleged debt from Marcus by Goldman Sachs through various lawful methods of payment ( s ) as afforded by the United States Constitution, New Jersey laws and the Uniform Commercial Code, and after having successfully completed an administrative remedy to which Marcus by Goldman Sachs has defaulted, ignored, not responded in a timely manner nor acknowledged any lawful remedies submitted to settle this debt. Despite being defaulted and estopped from all claims against this ESTATE, Marcus by Goldman Sachs have/has relentlessly reported negative information against said ESTATE, and has and continues to harm this ESTATE and is causing and has caused irreparable injuries and defamation, slander and libel ; fraudulent usage of language with it's contract ( s ) as well as the non disclosure of material facts within it's contract ( s ), which immediately nullified, cancelled and terminated any alleged valid contract for such non disclosures against said ESTATE. After having been harassed, threatened and coerced into unlawfully using Federal Reserve Notes to settle said alleged debt and also continuing to send negative reporting to the credit bureaus XXXX, XXXX and XXXX, causing injuries and harm to this ESTATE and myself as the Beneficiary thereof. I am hereby charging Marcus by Goldman Sachs {$10000.00} ( ten thousand dollars in gold or silver or it's equivalent in U.S.D. ) per day nun pro tunc for each credit reporting agency since it's first negative reporting to XXXX, XXXX and XXXX and as the Authorized Representative for the Beneficiary of this ESTATE, I now demand that any and all negative report to cease and desist immediately. Please also take judicial notice that this is another ( 3rd ) Notice of Intent to File a Claim against Marcus by Goldman Sachs and the final good faith attempt at clearing the good name of this ESTATE from the defamation, libel and injuries caused by Marcus by Goldman Sachs, as well as pursuance of Marcus by Goldman Sachs ' insurance bond with the F.D.I.C. for any and all damages for violation ( s ) mentioned in the 2 uploaded files. Marcus by Goldman Sachs is now guilty of Breach of Trust as breach of their fiduciary duties as Securities Intermediaries and trustee for the ESTATE.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is a list of items I'm asking you to verify as accurate : XXXX XXXX XXXX Account # XXXXXXXX Springoakcap Account # XXXXXXXX XXXX XXXX  Account # XXXX Thank you so much for your prompt attention to this matter. 

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

Today, XX/XX/2019, I requested a credit line increase for my XXXX credit card account, now administered by the bank called XXXX XXXX. XXXX XXXX used Equifax, as the credit bureau where they pulled my credit report, also without affecting my credit score, because they use a soft inquiry, just like XXXX XXXX. But, once again and as I expected, XXXX XXXX XXXX XXXX XXXX incorrect credit reports about my 2 accounts with them keep appearing also on Equifax, and it is negatively affecting even a {$400.00} credit line increase request, with no possibility of consideration, unless XXXX   XXXX also receives the evidence as fast as possible, in order to see that all the steps were followed by myself with XXXX XXXX  XXXX XXXX XXXX in order to correct this error they allow, against the Law called the Fair Credit Reporting Act : I am including the Brief currently been seen at the First Circuit Court of Appeals in XXXX, MA, because I also had to complain against a magistrate judge here at the XXXX XXXX XXXX XXXX XXXX for his unsupported conclusion, against all the evidence included. My Interrogatory to XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX ) clearly presents the incorrect credit reporting problem, the steps I followed, and why I had no choice but to file a Lawsuit. The Brief size in MB is too large for the CFPB, so I had to divided it today, XX/XX/2019, but the Brief was not sent today to the Court, as the same Brief shows. XXXX XXXX   never answered. I am sending the Brief to the 3 credit bureaus, no matter they can only contact XXXX XXXX,. so there is evidence that I did took the Case to the Courts and the problems the violations against the Law from that other Bank unfairly creates to myself. Please verify at the pacer.gov web site under case XXXX to see this is an exact copy. Last payments to XXXX XXXX Credit Card were made, as agreed, last XX/XX/2019 on the amount of {$120.00}, and now there is just 1 more payment needed to reach 36 payments made directly to XXXX XXXX XXXX XXXX under that certified payment agreement for this credit card with the same XXXX XXXX  XXXX XXXX XXXX, but none were reported to the credit bureaus, and the XXXX XXXX last payment of {$260.00} was made on XX/XX/2019, as agreed. Both accounts are with the same Bank, and Paid as Agreed. Please review the Brief for details.
Product: Debt collection

Company did not verify account upon my request. Under the fair credit act, Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter - I sent letter on XX/XX/21 date VIA USPS certified mail. You can track this package using THIS tracking number. 

XXXX
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit Items that need to be disputed : 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
Product: Credit reporting or other personal consumer reports

Transunion is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. Remove the INQUIRY WAS, 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
Product: Money transfer, virtual currency, or money service

I went to Western Union in XXXX Arizona to wire my earnest money to a title company to open escrow on a home purchase on XX/XX/2020. Western Union instead sent it via ACH transfer which the title company doesn't accept and the title company XXXX XXXX  account rejected the transaction. I contacted Western Union to cancel the transfer the same day it was initiated since is did not show up in the title company account after XXXX hours. I have contacted Western Union multiple times every day to ask them to refund my money. At first they said it was in the XXXX XXXX account. I called XXXX XXXX and the confirmed they never received the money. After a couple of days of calling Western Union admitted that XXXX XXXX rejected the transaction and to this day I only get excuses about there process preventing me from receiving my money back. It has now been 12 days since Western Union received my money, failed to transfer it and will not return it to me. Now that are claiming that the issue is with their accounting department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to access my Trans Union Credit Report. I called Trans Union several times for help, regrettably Trans Union kept transferring my call to various departments but the issued remained the same.

I did inform Trans Union several times that I have been a victim of identity theft in 2016 and is facing issues since then, unfortunately when I tried to create an account to access my information, as part of 2 step authentication, Trans Union is sending an code to some email that does not belong to me. 

I have informed about this issue several times to Trans Union, since the email does not belong to me I am really concerned. Trans Union is doing nothing about this. 

I even informed them that I will be filing a complete CFPB, yet no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Accounts on my credit file are unverified and inquiries are unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX, XXXX and Experian dropped my credit score XXXX points simply because my XXXX XXXX credit card balance decreased from {$40.00} to {$0.00}. How can they do that? It sounds like they are penalizing me for being a responsible consumer. I thought score drops applied only when a consumer misses or makes late payments, not someone like me who has a 100 % on time payment history. I demand they restore my credit score at once or legal action will be taken against all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a statement in mail indicating XXXX XXXX XXXX XXXX XXXX is trying to collect a debt that is not mine. In checking my credit file I found that they have reported it as a collection and has caused my credit score to go down drastically. The statement is dated XX/XX/2023 and states the original creditor is XXXX XXXX. The current creditor is Plaza Services LLC Client Account Number is XXXX Reference # is XXXX Pin # XXXX Balance Due is {$220.00} Discount offer is {$160.00}. When I phoned XXXX XXXX XXXX XXXX on XX/XX/2023 I spoke to XXXX XXXX at XXXXXXXX XXXX for 7 minutes. He indicated that he was unable to send me the documents that pertain to this collection since I was not willing to give him my Social Security Number and Date of Birth. I gave him all the information on the statement received and told he should be be able to pull up the information from that and send me the information for me to turn over to the proper authorities for prosecution. I asked for the contract for the pay advance loan, the payroll check used for this, the place the transaction took place and the account the funds went into. I informed him this is a fraudulent account and I at no time had obtained a pay advance loan and did not receive any money. When I asked to speak to supervisor, he stated there was not a supervisor there and I would have to call back the next day. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report account number XXXX in the amount of {$220.00}. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If they are unable to verify the account with the original contract, the information should be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to file an dispute regarding the incorrect reporting and unlawful transfer of my account to XXXX XXXX XXXX, as well as to demand an immediate and thorough investigation of the actions taken by XXXX XXXX XXXX XXXX. 

The account listed above has been transferred to a third-party debt collector without my knowledge or consent, and the account status continues to be reported inaccurately. I have made several attempts to resolve this issue through the credit bureaus and with the creditor, but these disputes have been routinely and unlawfully verified, without addressing the critical errors or providing proper documentation. 

Issues with this Account : Unauthorized Transfer to a Third Party : XXXX XXXX XXXX XXXX sold my account to XXXX XXXX  I without my consent or prior knowledge. This constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires creditors to notify consumers before selling their debt to third-party collectors. 

FCRA Violations ( Fair Credit Reporting Act ) : Section 1681i - Reinvestigation Violations : Despite multiple disputes regarding the status of this account, the credit reporting agencies have repeatedly verified the information without conducting a proper reinvestigation or providing any supporting documentation of the sale of the debt or the validity of the reporting. I have received no evidence of a legitimate process to prove this account is accurately reported. 

Section 1681c - Time Limitations on Reporting : The account is marked as a collection, but the original creditor did not provide documentation proving that the debt was validly transferred or legally owed. According to FCRA guidelines, if this account was charged off, it should not remain on my report indefinitely and must follow the correct timeline for reporting, which has clearly not been followed here. 

Section 1681s-2 ( b ) - Duties of Furnishers of Information : Affirmation by XXXX XXXX  I of this debt is an unwarranted continuation of inaccurate information. The lack of proper documentation supporting this account is a direct violation of the FCRA. This collection entry is inaccurate and unlawful, and I demand an immediate deletion of this account from all credit reports. 

Inaccurate Reporting of Account Status : The account is marked as collection with no valid record of payment history or documentation supporting the accuracy of the amount owed. As a result, this has unjustly damaged my credit report and my ability to obtain financing. There is no legal basis for the account being reported as a collection under the current circumstances, and I am demanding immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of XX/XX/2018, I received alerts informing me that my XXXX credit score went down XXXX points and Exquifax credit score went down XXXX points due to a balance increase. I contacted XXXX XXXX asking for additional information and I was advised that the loan is still current but the interest capitalizes each month which calculates in an increase in the balance. However, they do not have control on how the credit bureaus calcuate the scoring for credit reporting. I immediately contacted XXXX and was advised that the loan is showing it showing deliquent status ( although I am showing it was current during the time of the XXXX point reduction and to current date ). I proceeded with a despute and recently received a letter containing my credit report, no other information was provided showing the reduction in points. I would like each major credit reporting agency to actively research this information and make the necessary adjustments to the errors reported, effective XX/XX/2018.
Product: Credit reporting 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 1692c ( c ) 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  All of these accounts has violated my rights. Section 1692c ( c ) states that a debt collector must stop contacting the consumer if the consumer askes them in writing to cease all contact. If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Product: Debt collection

SB Investigations continue to call me when I filed bankruptcy and relinquished all my responsibility for the vehicle to my ex-husband, they refuse to listen and yell about getting the vehicle.
Product: Credit reporting or other personal consumer reports

I received alert from allstate identity protection about a credit inquiry on my name from TD Bank. reached out to TD bank to dispute this inquiry, as i have not applied for any credit from them and believe that i am a victim of identity theft. no response from TD bank after multiple times trying to reach them. i would like them to strike this inquiry off of my record.
Product: Credit reporting or other personal consumer reports

I formally request an investigation into these unauthorized inquiries and ask that you provide documentation regarding their origin. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that demonstrate my authorization for these actions. 

Since these unrecognized inquiries may harm my credit score and financial stability, I urge you to address this matter without delay. Your prompt attention to this issue would be greatly appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and to request the immediate blocking and deletion of all accounts related to the breach, in accordance with 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ). As the breach involved unauthorized access to my personal and financial information, I request that the following accounts be deleted from my credit report. 
Accounts to be blocked and deleted : XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$180.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$100.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$4500.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$980.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$5700.00} XXXX. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$9200.00} XXXX. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$38000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$640.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$130.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$190.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$7500.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$310.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$4500.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$4400.00} Inquiries to be blocked and deleted : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX  XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX