23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE CONTACTED EQUIFAX, XXXX, AND XXXX, REGARDING FRAUDULENT INFORMATION REPORTING TO MY CREDIT REPORT. I HAVE SENT IN MULTIPLE POLICE REPORTS, AND THE CREDIT BUREAUS HAVE NOT DELETED THESE ITEMS WITHIN XXXX BUSINESS DAYS OF RECEIPT OF THE INFORMATION, VIOLATION SECTION 605B OF THE FCRA. THIS INFORMATION HAS BEEN VERY DAMAGING. I HAVE ALSO REQUESTED ORIGINAL WET INK SIGNATURE CONTRACTS PURSUANT TO SECTION 609A OF THE FCRA. EQUIFAX HAS STATED TO ME THAT " CREDITORS '' DO NOT NEED TO SEND IN VALID PROOF ( ORIGINAL WET INK SIGNATURE CONTRACT ), which is not lawful. I negotiated with the representatives as well as sent in supporting documentation regarding XXXX, XXXX BANK, XXXX XXXX, as well as sent in my FTC report from the FEDERAL TRADE COMMISSION. I am rquesting that these accounts are DELETED PERMANENTLY in a timely manner. THESE BURUEAS HAVE NOT RESPONDED AND PROVIDED THE PROPER DOCUMENTATION WITHIN XXXX DAYS. 

XXXX # XXXX {$13000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX {$20000.00} XXXX XXXX XXXX # XXXX {$4100.00} I HAVE CONTACTED MY ATTORNEY WHO IS PREPARED TO BEGIN A LITIGATION PROCESS SHALL THESE ITEMS NOT BE DELETED WITHIN XXXX BUSINESS DAYS. FAILURE XXXX COMPLY WILL RESULT IN A LAWSUIT AGAINST EACH AGENCY REPORTING UNVERIFIED/FRAUDULENT INFORMATION TO MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

Nelnet illegally obtained my information from Great Lakes my account was already paid for and closed before Great Lakes switched over to nelnet they should not have had my information. They have also falsified loan documents and XXXX documents.
Product: Credit card

XXXX  XXXX XXXX  date open according to XXXX date opened XX/XX/XXXX {$640.00} Loan Type CREDIT CARD ( Fraud not me ) XXXX XXXX ( Fraud not me ) XXXX Date Opened XX/XX/XXXX {$210.00} XXXX/FORTIVA XXXX : {$940.00} Date Opened XX/XX/XXXX XXXX ( Fraud not me ) XXXX XXXX : Balance {$440.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  ( Closed ) Date Opened XX/XX/XXXX Pay Status >Charge-off< XXXX XXXX XXXX XXXXXXXX {$460.00} Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$300.00} XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Requested On XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type XXXX Location XXXX XXXX XXXX XXXX XXXX, MN XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX My phone number needs to be off public records too please ( XXXX ) XXXX
Product: Checking or savings account

On XX/XX/XXXX my PayPal account had been limited permanently after my paycheck was deposited i called and asked for a reconsideration they did I have the ticket number and I spoke to many different supervisors about it and they found no suspicious activity and asked for a review today XXXX XXXX 2023 I have been informed they were not going release the limitations and it will not be reconsidered. There is no illegal activity conducted through my account i use it for personal banking purposes only and have my wages deposited through there direct deposit services that it offered I pay bills and a little bit of online shopping and that was it, nothing improper was conducted no illegal purchasing and no laundering was committed the freezing of my wages is improper and caused a extreme hardship i am the sole provider for me and my husband who is a XXXX victim i have been unable to pay for medications for both of us this is day 4 that my husband has been without the insulin needed for his health and well-being
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and on XX/XX/XXXX two dispute letters accompanied by several copies of my personal documents were signed and delivered to SageStream about several inaccuracies that are still currently reporting on my SageStream Consumer File.

I've also mailed a 3rd dispute letter to SageStream that was signed and delivered on XX/XX/XXXX that i'm still currently waiting on as well. 

As of XXXX XXXX my first dispute letter delivered on XX/XX/XXXX is currently 93 business days late as to responding to my dispute. 
As of XXXX XXXX my second dispute letter delivered on XX/XX/XXXX is currently 39 business days late as to responding to my first dispute This is unacceptable and SageStream is in violation of the fair Credit Report Act by not providing me an answer in the 30-35 time period of providing me any investigation results
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries have been identified on my credit report. I request their prompt removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded my credit report on XX/XX/2023 and I noticed there are hard inquiries that don't have permissible purpose to be on there. I already reached out to Equifax about this. Multiple times they keep violating my rights under 15 USC 1681b. I have attached the hard inquiries that don't have no purpose to be on my credit report.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this XXXX for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I applied for a business loan about a week ago and I was told that I did not get approved but I didn't know why then today XX/XX/20 I got a letter saying that the reason I was not approved for the loan was because there were some accounts with negative history ; I had no idea what accounts they could be talking about so I looked through my credit report and I saw three accounts and some inquiries that aren't mine. I don't know why these accounts and inquiries are on my report or who they belong to but I did not give anyone permission to open these accounts in my name. I did not open any of those accounts and I have never had any contract or agreement with the companies I listed on this report. I did not make payments towards any of these account balances nor did I benefit anything as a result of these accounts that were opened in my name. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX ( Original Creditor : XXXX TXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXXXXXX Balance XXXX {$130.00XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

XXXX XXXX XXXX, XXXX has ignored their grave duty to investigate such dispute received by me through the mail on XX/XX/2023. As the attached pdf below ( VALIDATION OF DEBT XXXX  ) is such letter sent requesting everything needed by the FDCPA act in which I got no response since! They had more than five days under 15 U.S. Code 1692g and are avoiding such duties.
Product: Checking or savings account

I went to the Wells Fargo ATM # XXXX outside located at XXXX XXXX XXXX, XXXX, TX on XX/XX/year> at XXXX and tried to withdraw {$1000.00}. I put my XXXX debit card in and entered my PIN and selected {$1000.00} cash. It went through all of the motions and acted like it was dispensing the cash ( it even made the 'counting or dispensing ' sound ). when the door opened, there was no cash and there was a notification on the screen that said this transaction can not be completed at this time. I received my receipt and it showed that it had taken the {$1000.00} plus a {$3.00} service fee out of my XXXX Checking account. I immediately looked at my bank account and the money was removed from my account. the Transaction # is XXXX. I went into the bank and told the teller what happened. He said to his manager 'do I just give her her money back? ' and she looked asked me if i had an account with Wells Fargo. I said 'no, but my husband does " to which she replied that I was not on his account so I would have to go through XXXX to dispute the charge. She then told the teller 'this is the same thing that just happened to the man in front of her, but he has an account here so we were able to refund his money '. I asked why they couldn't refund my money if they knew this was happening and she said 'the machine has been running out of money alot and there is nothing I can do '. I left the bank and went home and called XXXX XXXX XXXX  and filed a complaint. They issued a temporary credit while there is an investigation and said that Wells Fargo has 45 days to dispute my claim. Wells Fargo should be refunding my money instantly and not make me wait 45 days! This is not a small amount to me. Their ATM malfunctioned and yet I have to pay the penalty? I will never use their ATM again.
Product: Checking or savings account

I am a wellsfargo customer since XXXX, as employee of XXXX XXXX and XXXX i recieved my wages into my wellsfargo account. 
These are the account numbers i had XXXX This is the first account in which i recieved pay cheques. XXXX. 
As XXXX  employee i was transferred to XXXX and forced to start a XXXX relation. I wrote a wellsfargo cheque. This resulted in me being harassed to leave XXXX XX/XX/XXXX and i never had income past it. My total savings as cash was below XXXX dollars. In XXXX i paid XXXX  my wife XXXX help from my XXXX account. In XXXX a taffic police XXXX attacked me in front of XXXX town hall and made me leave retired life in XXXX to waste about XXXX dollars in XXXX california where i wasted time being customer of XXXX XXXXXXXX XXXX suspects to this situation. I recieved a us social security statement in mail that if i become XXXX i would get XXXX dollars a month. I rented in XXXX, bought furniture sold, car and sold .. After i filed dispute with XXXX in XXXX XXXX XXXX XXXX XXXX harassed me at airport and forced me to sign XXXX. I did not accept it but i did not get ombudsman settlement in wellsfargo and i was deported in XXXX. I never closed wellsfargo relation. This is some cheque i should have recieved when i entered XXXX in XXXX. Instead they have murdered a cousin i suspect and used that as reason to force me to sign XXXX and i do not have now wellsfargo usa or XXXX XXXX relation exploited by XXXX and XXXX. I opened XXXX XXXX using my mothers house sale and maintained XXXX. I registered XXXX XX/XX/XXXX as XXXX  i paid XXXX XXXX  training using wellsfargo and XXXX XXXX XXXX credit card. I demand restoration of my wellsfargo account and i want the IP of my three books one of which is XXXX XXXX XXXXXXXX given to me. I want help to find XXXX  my wife as it is being used not to give me money. I closed XXXX  XXXX XXXX IRS has taken XXXX or so dollars unncessarily from my account in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX and Capitalone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Investigation Request Letter Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Collection Account : XXXX, XXXX XXXX XXXX, Capital one Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Paid Account/Late Payments : XXXX, XXXX & XXXX XXXX Capital one Account Number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. I still have not received any updated credit report from your office. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter. 

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

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft  has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX CREDIT COLLECTION SERV XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX Re : Account # XXXX XXXX XXXX To Whom It May Concern : The account referenced below is being reported on my credit report as a collection account by your company. 
The amount owed XXXX was fully paid off in XX/XX/XXXX and the account has been closed. Please see attached document for proof of paid off. 
Please remove this inaccurate information from my credit report. 
I have already disputed this item with the credit reporting agency, and they have confirmed that you consider the account valid. 
In an effort to resolve this matter amicably, I am requesting proof of this debt, specifically the alleged contract or any other document that contains my signature, as well as evidence of your authority in handling this matter. If you are unable to provide such proof, I expect you to correct any incorrect reports of this past debt as being mine. 
I am writing to ask for the following information : 1. Please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in relation to this alleged matter.

2. What legal basis authorizes you to collect information?

3. What legal basis authorizes you to collect this alleged debt?

4. Please provide evidence of your authorization to conduct business or operate in this state.

5. Please provide proof of the alleged debt, including the alleged contract or any other document that contains my signature. 
XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX CREDIT COLLECTION SERV XXXX XXXX XXXX XXXX, MA XXXX 6. Please provide a complete account history, including any charges added for collection purposes. 
You have a period of thirty ( 30 ) days from the receipt of this notice to respond. Failure to respond in writing, with a hand-signed response, and within the given timeframe, will be considered as a waiver of all your claims in this matter. It will also lead me to assume that you mistakenly placed this on my credit report ( s ) and that this matter is now permanently closed. Either provide the necessary proof or correct the record by removing this invalid debt from all sources where it has been reported. For the purpose of 15 USC 1692 et seq., this notice has the same effect as disputing the validity of the alleged debt and disputing the validity of your claims. This notice aims to correct your records, and any information received from you will be collected as evidence if further action becomes necessary. This is solely a request for
information and should not be construed as a statement, decision, or waiver of any kind.
Product: Vehicle loan or lease

Regardless of protests & explicit instructions not to do so, American Credit Acceptance customer agents consistently processes automatic payment without my permission leading to extra fees being levied against accounts. Since there's no accountability for their misconduct or external recourse process for consumers - " No, there's no way for you to follow-up, it's an 'internal " process '' is the scripted response - and no policy to correct penalties caused by the actions of their staff, I'm filing complaints this complaint. On XX/XX/XXXX, I spoke to a representative at American Credit Acceptance to report an upcoming payment. When asked how I'd make the payment, I replied that & I would complete it manually on XX/XX/XXXX via their website 's payment portal ( XXXX '' ) which was my usual practice. A note in the account was supposed to contain this information. I called them on the XXXX to inform them that I was still awaiting a deposit toy account & ask for the date to be changed to the XXXX & was refused. I was then instructed to wait across the weekend for the deposit to arrive since it would be a minute before the accounts processed. I made a manual payment on XX/XX/2022 & noticed that there was a pending payment for XX/XX/XXXX. I immediately called & inquired why they processed an automatic payment when I explicitly told them I would pay manually via their payment portal. I was told that ALL payment arrangements have to be set for automatic draft. When I replied that their own agent asked HOW I'd like to pay, the representative got flustered. I restated that this transaction was done without my permission so I wanted to escalate to a supervisor and any penalties & fees caused by their employees ' actions should be removed, I was told that there was no supervisor, it was an " internal '' process, and no one would follow-up with me, leaving me no recourse. The only 'help ' I received was them telling me that since the transaction could not be stopped on their ( in spite ofnthe manual payment ), I should call my bank to see what they can do. Subsequently, they are still continuing to process the payment adding {$85.00} fees for each attempt. This is notntheb1st time this has occurred, but my first time seeking assistance from this agency, thank you.
Product: Bank account or service

I recently went through some health issues. During a particularly difficult time, I intended to change the date of my automatic credit card payment with Wells Fargo so I could pay a medical bill, and then pay my CC bill after my next paycheck a few days later. In wanted to prevent any fees or overdraft funds. I meant to change it before it was due, but I was very ill. when the I saw the payment as " pending '' on my mobile account, I called them and asked if they could simply reverse the pending payment ( from my checking to my CC ), and process it 8 days later instead so I was n't overdrawn. After an hour on the phone, being transferred 4 times, having to re-authenticate and tell the story 4 times, they told me that they could do it, but it takes 10 days. That would n't help, I needed help that day. I told them several times I need help that day, not next week. No one could find a way around it. Seems easy- it 's all in house, I was n't asking for them to reverse a payment to another company. The payment showed " pending '', not complete. It was simply from my WF checking to my WF CC. After an hour, someone said that it was n't really pending, it was actually complete, even if it showed pending on my mobile app. Why would the mobile app show one status, and their own system another? Frustrated, I tweeted on friday that they are unhelpful. They tweeted back friday that they want to help me and asked me for info so they could contact me. When I sent them back my ph number, I said in all caps that I needed help that day, friday, not later. no one contacted me. Saturday, I messaged the person who said someone would contact me and told them no one contacted me. the answer : someone would contact me during business hours Monday. I was explicit that I needed help that day, yet they did not even read or comprehend. I do not understand why they would even reach out to say they want to help me if they do not even care enough to read what I have said. At this point, Monday is almost over and still no one has contacted me. It 's too late to help me financially. But they could have. I understand I was asking for an exception, but I have been a customer over 20 years and I think I deserve an exception quite frankly. If you are not going to grant someone 's request, you do n't let them sit there and wonder, you tell them " no ''. If someone says they need help " today '', you do n't answer them next week. This kind of service and treatment is exactly what kind of company they are : they do not care about their customer. They do n't care to give correct information, or even any information. No one can tell me why the mobile app shows one thing, but supposedly their system shows another. Is this because they do n't understand their own systems, or just do n't want to do what I 'm asking so they are lying? I really do n't know, and I do n't trust them. What I am requesting at this point is a reversal of any fees. Since they could n't move fast enough to prevent them, or even care to answer me, I believe they should reverse them. Since they wo n't even answer me, I am using this method.
Product: Credit reporting or other personal consumer reports

Transunion is not comparing my information or investigating this company collections XXXX XXXX  a rental collection agency they update XXXX XXXX balance every 3 days and at this point harassment i can not get hold of anyone and when I do they are rude and will not cooperate. They were sued and transunion was too they hit my credit report right before to ensure they would collect they are abusive and violating fdcpa rules and is causing much stress. the balance as fluxated numerous times in the last week obscured.