23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax is reporting a large number of inquiries on my credit report that has not been authorized by me. Most of which has occurred recently. Inquiries were being fraudulently placed on my credit file. I did not authorize the following inquiries : XXXX ; XX/XX/XXXX, XXXX XXXX ; XX/XX/XXXX , XXXX XXXX XXXX ; XX/XX/XXXX, XXXX ; XX/XX/XXXX, XXXX XXXX XXXX ; XX/XX/XXXX, XXXX ; XX/XX/XXXX, XXXX XXXX ; XX/XX/XXXX,
Product: Debt collection

American Adjustment Bureau. Inc. Is incorporating small debt accounts into large amount in order to post on credit bureaus as a threat to pay. CT. law does not allow posting of debts under {$500.00} to buresus.
Product: Money transfer, virtual currency, or money service

XXXX  XX/XX/2024 cash app is the company the amount was for XXXX  at XXXX XXXX  I called the company they they sent the email and also I have recorded conversation where they were very rude and they did not say any of the any other things that have happened to me in their closets or fine prints or anything that said that they could not help me retrieve my money or they could not help me an event of being scam or that they could that they were eating or they were even taking a percentage of my money that was being sent to me or received or received by me for no reason or it was not explain to me at all
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I have been asking to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies od proof of verifcation if the Credit Bureaus claim that the disputed items belong to me. However, the Credit Bureaus have been disappointing me and have failed to send me copies of documents I have been asking from them. I have also been sending dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Crediet reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX XXXX systems used Transunion XXXX XXXX XXXX has incorrect information on my report. They are stating there is a judgment that is on there which does not belong to me. I have disputed it with them and they are stating they made an investigation but they ca n't tell me how it was verified and when. 

this information is inaccurate, i do n't have any evictions record at all. I want this deleted immediately.
Product: Credit reporting or other personal consumer reports

Please remove hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt with my original creditor ( XXXX XXXX XXXX XXXX, MD ) that was passed on to debt collection ( XXXX XXXX XXXX XXXX, MD ) The debt collector was never able to collect. The original debtor has since won a judgement against me for the debt and has placed a lien on my property. The debt collector is not named in the judgement and is no longer responsible for collecting the debt. I have disputed this debt on my credit report with all 3 credit bureaus more than 5 times and have provided them documentation of the judgement with the original creditor. I have contacted the debt collector to ask them to please stop reporting a debt they are no longer responsible for as the account is closed. The debt collector has refused to stop reporting the debt. The credit bureaus keep verifying the debt as valid. I have no clue how to get this removed from my credit report and need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed this on several occasions any time I know I did some thing specifically to increase my credit scores. The same amount of points disappear. ( ( ( I know my for a fact that my Credit mix Is going to jump from a B rating To a A ) ) ) ) a Credit advisor at XXXX XXXX XXXX XXXX helped me to take the action that would, Help me. But just like clockwork. If I make a change that would impact my scores positively As shown in the simulator. That Would increase my points by 30 points If the information is supposed to be calculated on the 5 ( in cycle ) on the 2 ( out of cycle ) I would illegally Lose. Whatever. My increase was projected to be. 30 points. So Im stuck between XXXX .... This happens to anyone who is XXXX and has Achieved XXXX plus + this is proof of systematical XXXX  And if CFPD. LOOK AT MY HISTORY OF CREDIT. you will find. Proof of this ( XX/XX/2022 ) ( Will copy this report for the White House ). And if yall dont do anything your actions show that.
Product: Money transfer, virtual currency, or money service

I entered into a scam agreement to purchase items from a XXXX account by the name of XXXX XXXX on XX/XX/2022. The account holder asked for an upfront delivery fee to drive the items to me. They asked for {$110.00} to be sent over Zelle to set up delivery for XXXX. The delivery never showed up and the account did not respond to multiple subsequent calls and messages on their XXXX account. The Zelle email address the payment was made to was XXXX and the name given for the bank account was XXXX XXXX.
Product: Student loan

Total Current Balance : {$50000.00} Asking for forgiveness..discharge..cancel due to fraud
Product: Mortgage

Huntington bought First merit and they did not credit my mortgage account ( 3 months ), theyre charging me monthly for something Ive already paid for and coming to my home.
Product: Payday loan, title loan, or personal loan

> I purchased a XXXX XXXX from a private party on XX/XX/XXXX > I have a Bill of Sale and the Title of the Jetski which was transferred to me. 
> The original owner purchased the jet ski XX/XX/XXXX and it was financed by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. 
> The title lists XXXX XXXX XXXX XXXX XXXX  as the Lien Holder.

> As the new owner, I'm required to register and title the Jetski in my name in the State of Missouri where the Jetski is currently titled.

> The original owner never received any documentation from XXXX XXXX XXXX XXXX XXXX stating his loan was paid off and now XXXX XXXX XXXX XXXX XXXX  is no longer in business.

> I contacted XXXX and learned that XXXX XXXX XXXX XXXX XXXX was acquired by XXXX XXXXXXXX XXXX, XXXX IL in XXXX. 
> I've tried to contact XXXX XXXXXXXX XXXX to gain a Lien Release document on the Jetski per the title. But when I call the phone number or try and contact them it goes no where.

> Additionally, I see a lot of very similar complaints on the web of this very same problem.

> I've attached the Title and Bill of Sale scanned Documents
Product: Checking or savings account

On XX/XX/2023 Wells Fargo fraud department contacted me ( recorded call ) about possible fraud on my savings account. There were 3 wire transfers scheduled to go out and they wanted to know if I did them. I was very clear that I did not initiate the wires transfers and they need to be cancelled immediately. The agent said he was doing while I was on the call with him. He then gave me a confirmation number and said I would be called on XX/XX/2023 with the results and how to unlock my online account. 
I waited most of the day with no call. I then called into Wells Fargo Fraud department ( recorded call ) and asked what the status was to have them cancelled and have my online account turned back on. They wouldn't give me an answer only that I needed to go into a branch to complete the process. 
I went to my local Wells Fargo Branch and was told that none of the wires had been cancelled. I gave them my confirmation number and they wouldn't say anything about it, but the local assistant manager called the fraud department and they were working on cancelling the wires. During the wait I was told again that none of the wires were cancelled. They were able to get one cancelled right away, but they had to work on the others. During the 2 hour wait I was told they couldn't get 2 of them cancelled and that I had approved them. Told them to listen to the recorded call where I told them they were all fraud, nothing was done to listen to call.

The 3 wires were for {$8700.00} - not cancelled, {$9800.00} - not cancelled, {$6400.00} - cancelled.

I was given 2 claim numbers for the wires that were cancelled # XXXX and # XXXX. Over 5 days later I was told that Wells Fargo was unable to stop the wires and couldn't get the funds returned. I filed a complaint with Wells Fargo Bank, and was told that I approved the wires so it was my fault and they wouldn't pay me the money lost from my account. 
Wells Fargo has recorded calls where they were told by me several times that it was fraud, that I didn't authorize the wires, and no one else in my family has access to my online Wells Fargo account. 
Wells Fargo Fraud department knew they were fraud AND had a recorded call with me on XX/XX/2023 were I said it was Fraud. They did nothing after receiving this information. No calls back to me as I was told I would get. If I hadn't call them all 3 wires would have gone out because of their failure to do their job. 
I filed a police report and they also tried to get the funds back to me - issued warrant to bank, but the accounts the wires went to - banks in XXXX and XXXX- did not have any funds. 
They did not request cancellation of the fraud wire transfers on they day I was told it was happening. Their failure to do this timely caused them to lose {$18000.00} of my hard earned money, which has greatly affected my financial situation. They just don't care and won't take responsibility for their errors and poor work.
Product: Student loan

I am the co-signer on a loan for my niece. She has stopped making the payments recently. They have started calling me sometimes 12-15 times a day, despite me contacting them repeatedly and explaining to them that I am ill on XXXX. I have on three occasions, given them the name and address of the bar my niece co-owns in Florida and have asked them to contact her for the money. She clearly HAS IT!!!! On the last occasion, the gentleman took my information to apply for hardship. I made a {$25.00} payment but the calling has gotten worse. Neither my niece nor my sister will help me out. I am SO STRESSED and so angry at my own family for this but there is nothing I can do. I want Navient to go after my niece for the money and leave me in peace. It is having an effect on my ill health.
Product: Credit reporting or other personal consumer reports

This credit card keeps changing available limits for absolutely no reason. It was {$10000.00}, then {$4500.00}, then {$1500.00}. I have an excellent credit score, so there's no reason for the card to do this. 

I finally got the card back to the correct limit with XXXX XXXX and they continue to report the card limit incorrectly to TransUnion. I can clearly see that it is a {$10000.00} limit, and they're still reporting it as {$1500.00}. TransUnion has been absolutely ZERO help with this. PLEASE ADVISE AND FIX ASAP!!!! 

XXXXXXXX XXXX IS TERRIBLE!!!! AVOID AT ALL COSTS!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debt Account Name : XXXX XXXX XXXX  Account was opened : XXXX Account Number : XXXX Account Balance : {$140.00} Account Name : XXXX XXXXXXXX XXXX Account was opened : XXXX Account Number : XXXX Account Balance : {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently reviewing my Equifax Credit Report and there is a fraudulent account that Equifax keeps reporting and deleting over 3 years now! 
It was most recently deleted XXXX, 2020. I was informed because I provided enough documentation, that it would never report to my Equifax Credit Report again. 
Here is the Confirmation Number that I was given by one of the reps in their Consumer Fraud Department : XXXX Below is the fraudulent account which I am not requesting be deleted from my Equifax Credit Report for now the 4th time : 1. XXXX XXXX XXXX
Product: Debt collection

Beginning XXXX/XXXX/XXXX, I have received hourly calls from Comenity Bank. The calls start at XXXX am and end around XXXX pm, always from an 'Unknown ' or 'Private ' number. The first couple times I answered, they hung up and the time after that, they refused to identify who they were. When they finally identified themselves, I asked them not to call so frequently and informed them that it was to the point where the hourly phone calls were harassing at which point they rudely asserted that they are allowed to call me hourly if they wish. After asking for my cell number to be removed, on XXXX/XXXX/XXXX, they began hourly phone calls to my parents ' home. They were rude and threatening to the point that I could n't even have a conversation with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ). I have noticed that there are several inquiries on my report that I do not remember authorizing. Given that these inquiries might be fraudulent, I would like them to be removed from my credit report immediately, as allowed by the FCRA. 

The following are the details of the inquiries that I wish to dispute : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX As per the FCRA, I have the right to dispute any inaccurate or incomplete information on my credit report, and to have it corrected or removed. I do not recall authorizing any of these inquiries, and I believe they may be fraudulent. Therefore, I am requesting that they be removed from my credit report as soon as possible, as allowed by the FCRA.

I understand that the information on my credit report is important for lenders and creditors to evaluate my creditworthiness, but I am confident that the removal of these inquiries will not impact my credit score in any significant way. 

Thank you for your attention to this matter. Please let me know if you require any further information or documentation to assist in the removal of these inquiries from my credit report, as allowed by the FCRA. 

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

I sent a dispute letter on XX/XX/2020 to Equifax regarding late payments to XXXX XXXX stating that I had 8 late payments. This information is untrue and inaccurate. I asked Equifax to investigate this problem for me. Not only have they not completed the investigation within the 30 day window, but I have not yet heard a response from them regarding this account. Please have them to delete this information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have incorrectly/illegally reported late payments on my car loan. I have mailed them a certified them a letter regarding this situation. They have not corrected the issue.
Product: Credit reporting

I stop paying my mortgage so that i can become illegible for mortgage reduction for a couple of months and that was about XXXX or XXXX, however i have trying contacting the bank and no resolution, except they say it takes seven to remove any negative report. I would like this report removed because i am never late and would like to try and pay off my mortgage in 15 years instead of 30 years but this negative report is in the way.
Product: Credit reporting or other personal consumer reports

Someone tried to used my personal information to apply for an auto loans without my knowledge or permission which put 7 inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently woking with XXXX XXXX XXXX to dispute inconsistencies with my credit report. I have many items that I did not approve and have disputed but the credit agencies refuse to get a full investigation. It seems that the investigation is one sided. The company replies and whatever they say stands. This is not a complete investigation. XXXX XXXX in particular has claimed to have sent me information regarding the purchase of a debt I owe yet never provided the receipt to show they sent mail. As consumers were are being used. Our complaints with the CFPB are going nowhere.
Product: Bank account or service

Bank offered {$350.00} bonus offer for opening account and completing direct deposit for three consecutive months totaling over {$3000.00} or three consecutive months of XXXX or more bill pays for the account. Meeting both conditions on or about XX/XX/2107, it was said {$350.00} bonus offer would be deposited within 3 weeks. However, bank has failed to provide funds tied to the bonus promotion to my account. Inquires about the bonus are replied to with fanciful information.
Product: Money transfer, virtual currency, or money service

Over two years ago, I was having problems with my cash app card. I was having a fraud on people were coming in and taking money out of it. They ended up breaching my actual bank account which was linked to cash app so I had to change my account number with my bank to avoid that. I tried to reach out to Cash App, but they didnt have a XXXX number and so I reached out on the app and somehow didnt even respond. Nothing was done in my information was still being breached. A year after that they ended up putting a XXXX number which was actually a scam because that number wasnt working. I dont know precisely how much they have been taken out. I just know that they I still can not use my cash app card because of scam. And a lot of my friends have the same problem with Cash App. I want them to either fix the problem and how much money they took from me or they need to pay me for reparation. My money was disappearing and I didnt know what was happening. I ended up because I wasnt able to afford rent because of it.
Product: Checking or savings account

I was scheduled to be paid on XX/XX/scrub>/2025 by Capital One and here it is XX/XX/scrub>/2025 and I have yet to receive my direct deposit and I have expenses to pay.
Product: Debt collection

I did not authorize this debt nor does it belong to me. Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX   XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX MXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Payday loan, title loan, or personal loan

- XX/XX/XXXX my vehicle hit, I sent to repair shop to get an estimate to fix it - XX/XX/XXXXXXXX XXXX XXXX contact me and lendmark about the car being a total loss. On this date my payoff was under {$7600.00} I also emailed XXXX ( branch manager ) to contact me when the payoff check comes [ i have email proof ] - XX/XX/XXXX I was informed that on XX/XX/XXXX my account was updated ( they took the entire check in place it to my account as if it was my paying down on my account but didn't contact me like agreed ) however me and this XXXX XXXX agreed on paying {$550.00} which I informed him that it would take me time to pay it being that I have other obligations - XX/XX/XXXX I emailed XXXX to inform her that i spoke with XXXX  about the left over interest lendmark is charging me and XXXX advised me to discontinue all my email communication with her and her branch but I can call to clear up any issues. 
- XX/XX/XXXX XXXX emailed me a deferment agreement which she told me on the phone it was neccessary in order to move forward ( even though the agreement had that I owe XXXX still which I brought to her attention ) regardless of the balance being not what XXXX and I agreed on which is {$550.00}. XXXX told me that this was like a formality and if I dont sign it will go in collection so I signed it. 
- XX/XX/XXXX I checked my XXXX account and see that I know owe them over {$1000.00} which its on my credit report and is messing with my ability to rent a home. I have also been sent a letter that say I need to pay {$180.00} so that my account could be in good standing. 

Lendmark officials If I dont get something in writing that states that I just owe you the remaining {$350.00} ( from the total {$550.00} ) I will be filing a lawsuit against XXXX for breach of contract and against Lendmark so that I can protect myself from your business and branch cause I dont trust you guys at all, you lied to me once it will not happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company several times and advised I have no knowledge of this account. I have asked for documentation or signature examination and no response but keeping reporting negatively on my report.