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

EQUIFAX I DID NOT Authorize or INITIATE THE FOLLOWING INQUIRES. THE CAR COMPANY PLASTERED MY CREDIT RUNNING MULTIPLE REPORTS. DELETE REPORTING! 
XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, XXXX Credit Unions ( XXXX ) XXXX XXXX, XXXX. 

Inquiry : XXXX XXXX, XXXX All Others ( XXXX ) XXXX XXXX XXXX # XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX All Banks XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Mortgage

My mortgage with XXXX Bank of XXXX PA has been transferred to Loan Care XXXX of XXXX XXXX XXXX Their customer service is unacceptable. They are inaccessible by phone ( long waiting times ) and their web site does n't function. Have n't been able to set up auto pay. They have horrible ratings by customers on various web sites with very unscrupulous practices such as charging unwarranted late fees and failing to pay escrow insurance and taxes in a timely manner. Look them up on yelp. Do I have any recourse other than refinancing?
Product: Debt collection

This letter is regarding subject account XXXX XXXX, which you claim my account was charged off {$2700.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Furthermore, this account has been paid in full of a final payment of {$750.00} made on XX/XX/2024. I request that you provide documentation of the complete satisfaction and payment of this debt and that its reporting to all credit bureaus to the same. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Product: Checking or savings account

As explained in numerous prior CFPB complaints, remediation payment in the amount of {$3700.00} plus estimated taxes was not received, this amount was offered to me by Wells Fargo rep, XXXX XXXX in XXXX of XXXX while speaking over the phone. Additionally, a remediation payment amount of {$500.00} plus estimated IRS taxes was not received, offered to me during a phone mediation in XXXX or XXXX of XXXX. I moved in XXXX of XXXX, as explained previously and again here, any payment sent via XXXX, XXXX, would not be received if sent by either carrier, which includes old address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Wells Fargo reps including a XXXX have replied in the past by verifying address, mention a signature waiver which there is none, package was supposed to have signature according to a XXXX XXXX whom I was working with at the time of check issue. Please note, the check amount of {$3700.00} is a check re-issue, initial payment sent in XXXX was intercepted by a third party, cashed in my name. It appears person ( s ) now living at old address may have intercepted checks, if sent to old address, cashed them in my name. I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Most recently, I've been calling Wells Fargo executive phone bank, given various different numbers to remediation department, all of them incorrect, wrong numbers. In order to obtain correct number, I had to call the company whom issues checks on behalf of Wells Fargo, request number to remediation department and have been calling over a week now with no resolution. I've spoken with several managers including a XXXX and XXXX, both requested check reissue and a new case manager assigned which was originally requested in XXXX. I have yet to hear back in regard to both requests. The last Wells Fargo rep replying to CFPB, a XXXX, referred back to previous replies which merely refer to address provided and do not address issue of non-receipt of payments. It appears Wells Fargo reps refuse to do anything, despite non-receipt, merely verify address they were provided..The CFPB might want to send this complaint to someone else other than XXXX or XXXX XXXX neither rep seems willing to address/resolve issue.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy and also The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report. Your immediate attention to this matter is appreciated. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Date Open : XX/XX/XXXXXXXX  Balance : {$300.00} Account Name : XXXX XXXX XXXX XXXX 
Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX Account NumberXXXX Date Open : XX/XX/XXXX Balance : {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint will be my follow-up method to make sure that these items will be removed or blocked : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please find the ATTACHED documents to assist in blocking the erroneous information or items which is being posted to my report.
Product: Credit reporting

The only address on my credit report should be XXXX XXXX XXXX XXXX, Texas XXXX. The other addresses our my son XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit report. Im requested the verification of the inquiry and the method of verification. WELLSFARGODEALERSVCS Inquiry : XXXX XXXXXXXX, 2020. But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated this inquiry. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit card or prepaid card

On XX/XX/2022, I purchased a XXXX from XXXX on my XXXX XXXX XXXX. On XX/XX/XXXX, the purchase was shipped in two separate transactions and charged to reflect amounts of {$590.00} and {$63.00} equaling {$650.00}. I purchased another XXXX from XXXX on XX/XX/2022 which was paid in full upon next payment due date. 

I called Amex customer service to use Membership Rewards points for the purchases on XX/XX/2022. Unfortunately, the representative mistakenly applied the points redemption to my XXXX  card XXXX. I called Amex customer service again to correct their error. 

On XX/XX/2022 the error was corrected, however, Amex had missed my statement cut date of XX/XX/XXXX, so my balance due was over by {$650.00}. I asked Amex customer service to correct this and lower payment due which they did, also on XX/XX/2022. 

With that, I believed the case to be closed. As we have the XXXX purchase, an adjustment credit in moving the XXXX  credit to the XXXX, an adjustment debit on the XXXX, and adjustment credit on the XXXX. Leaving two debits and two credits all in the amount of {$650.00}. 

In XX/XX/XXXX, Amex added a charge to my account of {$650.00} indicating an accounting error. I disputed this internally and on XX/XX/XXXX, I received a letter stating they had issued an additional credit on XX/XX/XXXX from a debit occurring XX/XX/XXXX. Unfortunately this leaves out the original XX/XX/XXXX purchase. 

I called Amex customer service again and another dispute was opened. Then in a letter dated XX/XX/XXXX, they stated their charge is still accurate, again failing to reference the original transaction on XX/XX/2022. 

Upon receipt of that letter I called Amex customer service again and that representative was unable to help me. I have now spent countless hours on the phone with Amex representatives including level II and supervisors and Amex refuses to correct their error that was originally caused by their representative misapplying my rewards points to the incorrect card/account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, XXXX, has violated my rights. 

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
Product: Debt collection

XX/XX/2017-I was called early in the morning to ask if I wanted to pay my balance to XXXX XXXX XXXX. I told the representative that I was working with the XXXX XXXX company directly and she proceeded to talk loudly and tell me no ma'am that I absolutely cannot do that and I am in collections so I will not be allowed to go through the original creditor to pay my debts. I calmly told her I actually have went through them(original creditor) set up a payment system with them and She continued to argue by which I just wished her a good day and hung up on her. I will not be talked to like a child and called a liar pretty much. It is my money and I will pay my debts to the original creditor not be told I cannot do so. On top of this I am being charged an outrageous amount for a fee through TSI. Also, they have talked to me this way before when I have spoken with them rudely and demanding payment.
Product: Student loan

I have 3 student loans with Navient. Navient is incorrectly reporting that my student loans were 150 days late twice, back in XXXX, and XXXX. My student loans were never late. I have contacted Navient and wrote letters regrading the issue and they have yet to remove the 2 late payments from XXXX and XXXX. Also under 15 U.S Code 1681b Permissible Purposes of Consumer Reports I never gave Navient written consent to report these accounts. As a consumer these accounts must be deleted immediately, or i will seek monetary damages in small claims court in my city and sate. Under 15 U.S Code 1681b Permissible purposes of consumer reports i never gave Navient any written consent to report anything on my consumer report and no consent is IDENTITY THEFT.
Product: Bank account or service

On XXXX XXXX 2015, I notified US BANK that I was closing my account and that I was transferring my recurring bank drafts to my new one. On the same day, I notified my linked credit card with US Bank and closed the account. There was approximately {$50.00} left in the US Bank account and I did n't make any deposits because I had successfully transferred all of the bank drafts to my new bank account, additionally, I did n't have any outstanding checks. On XXXX XXXX 2015, US Bank paid a bank draft to XXXX XXXX for the amount of {$220.00} even though there were insufficient funds to cover it. When I called US Bank I was told that the account had never been closed as I had requested. They would not close it until I paid the new balance at my former bank account. It turned out that the creditor XXXX XXXX had been paid twice in XX/XX/XXXX, my new bank paid them as I had requested. US Bank had a record of my contact with them on XXXX XXXX and the representative actually asked me why I was closing the account. They still have activity on the former account, I have n't used it at all. As far as I 'm concerned it is closed. I sent them a letter that once again told them that the account was closed at the consumer 's request. 
I 'm asking that they closed the account and dismiss all of the charges that they have added. 
Thank youXXXX XXXX
Product: Debt collection

Said account was paid in full when I returned equipment in person to XXXX  dealer in XXXX in XXXX. The total amount of XXXX. XXXX dollars was paid and I never received another notification stating I owed this debt until XXXX when I opened up another XXXX  account. I contacted XXXX  immediately customer service about account number XXXX XXXX when it appeared on my credit report as a derogatory collection. I spoke to someone regarding this account and have a reference number XXXX where it was settled that I returned the equipment and paid this account in full and it would not be on my credit report again. Now I have a debt collector at sunrise debt collections XXXX stating I still owe the money and it is still appearing on my credit file and credit report and it was said to be removed they State I still owe the XXXX. XXXX dollars and will not remove it from my credit file
Product: Credit reporting or other personal consumer reports

The duty pursuant to the FCRA, is TRANSUNION 's to report and file, however they are NOT. TRANSUNION is reporting XXXX inaccurate late payment for XXXX account ending in XXXX. This includes a 30 day late payment posted on XX/XX/year>. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. section 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a " transaction '' within this code.

With that being said, TRANSUNION 's inaccurate reporting of late payments results in them violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written permission or instruction to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA ad the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a balance due of {$6800.00} as well as reporting incorrectly that I am ( 120-180 ) days late on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full so the balance reporting needs to reflect {$0.00} due. Since this account has been paid, the lates that are reporting are incorrect as well. This false reporting of lates is seriously harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Mortgage

Mortgage company, XXXX XXXX, issues a late payment notice on the day that payment was made through auto biller payer program through the mortgage company. The mortgage company,XXXX XXXX, issues a statement earlier is the month stating to disregard the bill because the payment was automated. The letter is signed by the vice president of XXXX XXXX. XXXX XXXX 's response is that it is automated to issue a late statement notice the day payment is due, they control the withdraw date because it is a auto bill payed per the mortgage terms.
Product: Checking or savings account

XX/XX/2022 - Entire balance in PNC Bank personal account levied and withdrawn from XXXX issued by state. 

Funds were never returned to me or account but the state of NJ sent me the voided cashiers check and confirmed they released the funds but the bank has not credited them back to my account. 

After multiple calls, branch visits, this issue remains unresolved and I still do not have over {$4000.00} that was due to be returned to me almost a year ago.
Product: Mortgage

The Lender is foreclosing on the property without giving the homeowner ample time to explore and undergo loss mitigation options. The homeowner intends to do a short sale and wants the chance to be able to do this. There is already a Buyer who wants to purchase the house and wants to send an offer to the Bank ASAP.
Product: Debt collection

I have received calls at least 2-3 times a week from XXXX ( which is a collection agency ) on my company phone. I have called them twice and they always tell me I'm not in their system, I don't owe them anything, and they don't know why I keep getting the calls, except for that it might be in another system that they don't have any control over. They have cross referenced my company desk phone, which forwards to my cell phone and that number is not in their system either. The calls have become more frequent and are starting to interfere with me conducting business on my company phone.
Product: Debt collection

He called ask for me. Told me whats my lawyer name. Refuse to explain the call. But had my phone #, address. This is a third party. I never gave XXXX to approval to sell my account or information to third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into  XXXX   XXXX   (    XXXX   XXXX   XXXX   ). On     XX/XX/XXXX     because  XXXX   XXXX , called my call phone and had told me that I had won a vacation from my last purchase. I was hesitate originally but I went in a few days later. I filled out the form for the " Vacation and booking ''. And then the next day I get a credit alert that I had applied for credit.     I went back to  XXXX   XXXX . I then spoke with Owner  XXXX   XXXX  and Co Owner ...  XXXX   XXXX . I was assured that this credit mark would be removed and that they would submit a dispute to you ; the credit bureau.      Since  XX/XX/XXXX  I h ave not had any resolution with getting this unauthorized inquiry removed and deleted from my credit file.     I have submitted this same kind of dispute to all   XXXX   credit bureaus and still no response. I have also attracted a letter signed and dated by  XXXX   XXXX  that the credit pull on  XX/XX/XXXX  and in   XX/XX/XXXX  were  both unauthorized and should not have been pulled on my credit just for a promotional vacation offer. Also somehow my credit filled was pulled and my score was lower again on  XX/XX/XXXX . There was no explanation on how or why my credit was pulled this time either. I had n't even been into   XXXX   XXXX   office since the last incident. I have attached a copy of the letters and also a re typed copy of the letter just in case it 's hard to read. I had to call the police because  XXXX   Attacked me tr ying to take the letter back after I threatened to sue him for ruining my credit report.     I am asking that  XXXX   XXXX  Inquiry be removed My my credit file. As for I did not give the company permission to pull my credit file. They also submitted my credit information to  XXXX  other company 's without authorization or consent.     Including :  Ally Financial Inc   XXXX    XXXX    XXXX   XXXX , MN  XXXX  The inquiry was submitted on   XX/XX/XXXX   and on     XX/XX/XXXX  w ithout authorization or consent.      2.    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  The inquiry was submitted on   XX/XX/XXXX   and again on   XX/XX/XXXX  . Both without authorization or consent.      3.    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  The inquiry was submitted on   XX/XX/XXXX   and again on   XX/XX/XXXX . B oth without authorization or consent.      4.    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TX,  XXXX  The inquiry was submitted on   XX/XX/XXXX   Without authorization or consent.     5.   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  The inquiry was submitted on   XX/XX/XXXX .  Both without authorization or consent.     I am asking for these unauthorized inquiries to be investigated and removed. I also think it 's fair that the derogatory effect be removed. I would like all my points back.     I have contacted all the companies via certified mail and no one will respond.