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

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1- Unauthorized Inquiry : XXXX XXXX XXXX XX/XX/2021 2- Unauthorized Inquiry : XXXX XXXXXX/XX/2021 3- Unauthorized Inquiry : XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I made the decision to close this credit card after numerous issues with XXXX XXXX issued by XXXX XXXX XXXX. I contacted them via phone to initiate the account closure and at about the same time revoked account access to my checking account with XXXX via a XXXX XXXX XXXX called XXXX. This app enables a company to see an account holders balance and transaction history within my personal checking account. The day of that call and prior to closing the account I used the lenders app to initiate the payment of the majority of the balance due them. 

Within days of closing the account I no longer had access to the XXXX XXXX XXXX or website for current account balance and to make debit payments from my XXXX  XXXX  account as payment to XXXX  XXXX. This lender also does not accept payments pushed from my bank to them via XXXX. I should also mention that auto pay was set up on this XXXX account to ensure that a payment due was never missed. 

Based on my experience, conversation with XXXX bank and my numerous attempts to get answers from XXXX, it appears that when I revoked permissions via XXXX this lender automatically stopped sending XXXX debits to XXXX for payments whether payments I requested or auto payments. They simply stopped and as a result have reported my account as delinquent, charged erroneous finance charges, refused to resolve the issues and made numerous claims that my bank reversed payments when in fact they reversed the payments and never submitted them into the XXXX clearinghouse. 

I was able to pay them {$320.00} via check on XX/XX/XXXX check number XXXX. They did successfully apply that payment to my account but now insist that i still have a balance for finance charges. They have also reported the account as 60 days late to the credit bureaus.
Product: Checking or savings account

I got a promotional offer in the mail that I can get {$500.00} if I open an account with KeyBank and set up direct deposit with them On the offer they gave 3 options on how to open the account online, by phone or by visiting the branch I chose to do it online because the branch is not local, and I set my paycheck to get into that account After my check was deposited I logged in online it told me it's locked until I call in. I called in and I was told it's locked with no access to my funds until I visit the branch. 

Now I don't have access to my payroll check. And I can't get to that branch because I have a full time job and visiting the branch will take 3 hours for me during business hours To conclude 1. The offer mailing was misleading 2. They locked access to my funds ( and I need to pay my bills this week )
Product: Credit card

I received a home improvement loan from Home Depot. I have requested on numerous occasions an " itemized '' accounting of all the charges. There were services cancelled, credited and not done at all, but I can not verify the charges. I contacted the XXXX XXXX in XXXX, Georgia with a written request and was sent a " payment history ''. I am charged for items, assessed interest and demanded to pay what they will not verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thsi company keeps showing 30 days late payment and it was paid off in full. Account was supposed to be in good standing no late payments. 

This is innacurate info that is affecting my credit.
Product: Credit card

My friend add me As join account to his credit card but they restrict the account because of the fraud issue after summit all my information and validate my information gave me hard time in customer service because they never receive anything and always speak to someone who is out the country and have no idea about law in this country.
Product: Checking or savings account

On XX/XX/XXXX, I made an edeposit. On XX/XX/XXXX, I called to request a status update. I was told that the edeposit ( a check ) was being processed. I was further told that while there may be a delay, it was unlikely because I have been a customer for nearly XXXX years always maintaining a healthy account balance. On XX/XX/XXXX, I verified that the bank that the check was drawn on had cleared the check and paid Ally ; however, Ally stated they were holding my funds for XXXX business days due to " confidential information that indicates that the check may not be paid. '' FIRST of all, that is an unfounded accusation! The check was drawn off my sister-in-law 's account and there is NO confidential information that would indicate the check would not be paid. Their statement is DEFAMATION OF CHARACTER! They are slandering my sister-in-law by inferring she does not have the funds to pay a check! AND the check was paid the SAME DAY! I called and spoke with " XXXX '' who said that he would escalate the case. It was explained that the check was paid and that the funds were with Ally. XXXX stated that his request for a supervisor to release the funds was denied. I asked him to further escalate the case. Later today I received an email that stated that the request denied. HOWEVER, ALLY HAS THE FUNDS!!! THE CHECK CLEARED!
Product: Credit reporting or other personal consumer reports

I submitted a cease and desist to XXXX and XXXX XXXX bank and they are STILL reporting to my Credit report which is a form of communication though a third party. I DEMAND Not only that they stop reporting and sharing that information due to my RIGHT to opt out which I have also done I will clarify here since they want to violate my rights They sent a response that is unacceptable and unfair and willful non compliance via this portal on CFPB Yet they have stated they have received my complaint and will stop. YET they have not. 

Opt-Out Demand Per the FCRA, I am formally opting out of any and all authorizations I may have givenwhether written, unwritten, verbal, or non-verbalunder 15 USC 6802 . This includes the sharing of my personal information and any usage of my data without my express written consent. 

DO NOT REPORT ANY THING TO MY CREDIT REPORT MOVING FORWARD DELETE ANY derogatory reporting to my credit report ASAP Also to back my claims Illegality of Reporting Transaction History : Under 15 USC 6801, it is illegal to report transaction history without my consent. The policy of Congress mandates that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of their non-public information.

Since I have taken permission or have removed/ rescind my consent respect my wishes as a consumer as you will be held liable for defamation of character and willful non compliance and other violations.

ALSO A charge off means that it is INCOME per the IRS. YOU ARE NOT TO REPORT INCOME ON A CREDIT REPORT AND I NEED THE 1099C YOU CAN NOT REPORT INACCURATE DATA NOR DO I GIVE YOU AUTHORIZATION TO DO SO. 

You can take advantage of consumer who dont know their right but I Know my rights and I will not allow you to do so. Failure to do so I will use these correspondence proof / evidence / exhibits in court to claim damages Securitization audit is demanded yet again if not you choose to not provide that information
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a credit inquiry application without my permission
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, i provided all the letters i received from all creditors and provided to all three credit bureaus and as of XXXX, the accounts are not reporting accurate, and the others are not removed per the creditors requestXXXX XXXX is current and never paid late and the credit reporting agency is reporting several late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report for inaccuracies I noticed several accounts reporting innacurately and contacted   XXXX   via Postal Mail. I contacted them about information that was inaccurate, they 're reply was that the information was verified and would remain on my credit report. I wrote them again requesting the method they used to verify. Which under FRCA is my right to do. They replied for me to contact the credit agency listed. I contacted them AGAIN, for the THIRD time requesting the method they used to verify and instead of furnishing me with the information they updated a comment on my credit report.  Four  months later I still have no method of verification for the following items  XXXX  #  XXXX ,  XXXX   XXXX  #  XXXX ,  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX  #  XXXX    XXXX   XXXX   XXXX   #  XXXX .   XXXX   needs to furnish me with the documents requested or delete these accounts from my credit report!!!!!!
Product: Debt collection

I have disputed this account through XXXX several times and also filed a police report, along with submitted a documented packet to XXXX XXXX explaining this debt is not my debt and I do not owe this company they continue to put false items on my credit report causing me pain and suffering while in the process to purchase a home for my XXXX children and I. I am a single parent and the suffering they are causing me while trying to raise my children is horrible. I shouldn't have to continue to fill out paper work that I continue to explain to XXXX different people. I have spoke to XXXX, I have spoke to XXXX XXXX, the police filed a fraud complaint on the matter and now I have to continue to dispute through them. When they sent the verification paperwork I explained and wrote back to this company and another comapny that this debt is not MINE I DO NOT HAVE XXXX! MY SOCIAL, and credit file has to be locked due to people using it for fraud. I SHOULD NOT HAVE TO KEEP DISPUTING THIS SAME INFOMRATION NUMEROUS AMOUNTS OF TIMES! it is frustrating and I am thinking about getting an attorney to sue all XXXX companies due to the pain I am being caused and time i am wasting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX. XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX Acct 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

Wells Fargo is so unethical! I had VA home loan through them. I sold my house for EXACTLY what was owed on my loan. Fast forward 4 years later I apply for a new VA home loan and find out after I closed Wells Fargo billed the VA for XXXX. I asked what it was for and they have no information. They basically say when banks bill them they just pay it. I call Wells Fargo and they cant give me a breakdown. Just say fees. They are fraudulently billing the VA and getting money! Most unethical company I have ever seen. I can only imagine what they do to people that bank there.
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 XXXX XXXX, Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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: Debt collection

On XX/XX/2018 I received a message from a credit monitoring program to which I belong. The notification said that The Waypoint Resource Group in XXXX, Texas has put us in collection for an apparent {$76.00} debt. Neither my wife nor I know anything about this debt. This notification from XXXX and XXXX are the first notification we have of this alleged debt. We have no idea what it is for or what it is about. We tried to contact but I could not reach a person and I am afraid that the company might be a scam company. The phone was answered by a computer generated voice and wanted me to put my information in over the phone so they could find my account. I do not want to give any information to anyone unless I know who I am speaking with. We have not had any bill collectors calling us and to the absolute best of our knowledge, neither my wife nor I know of any money we owe to anyone.
Product: Credit card or prepaid card

On XX/XX/2022 I ordered a rental car through the XXXX website for an upcoming trip to XXXX, Hawaii on XX/XX/2022. I never input any credit card information into the reservation, but I did have a XXXX issued credit card through Barclays still active. On XX/XX/XXXX, I called XXXX to cancel the reservation due to my doctor 's recommendations that I not take a very, long flight at that time. I was told that the reservation was not able to be cancelled as it was non-refundable. I offered to present a doctor 's note that I was unable to make the trip for health reasons. I asked to dispute the charge since it was such a short time from original booking. I was told I couldn't dispute the charge because the charge wasn't on my credit card yet. I asked that my XXXX Barclays credit card to be cancelled at that time. I thought that was the end of the situation. The following month I received a bill from XXXX Barclays for {$400.00}. Once a credit card is cancelled charges should not be allowed on the account. I called Barclays to dispute, they told me to call XXXX. XXXX told me to call the local car dealer to dispute. All parties were unable to resolve this issue despite multiple attempts on my part. Now it is 4 months later and I am being charged interest for a service that was never provided. My credit score has been effected too because of this. I have excellent credit history with a XXXX XXXX over XXXX most months. Subsequently, my credit has dropped XXXX points. I would like to question the unscrupulousness of said company and request that an inquiry be made into their fraudulent business practices that effect the consumer negatively.
Product: Credit reporting or other personal consumer reports

I have on multiple occasion requested Experian updade my personal information to match my XXXX, XXXX and XXXX XXXX. They have over many calls lied and said it is the other credit reportorial agencies. They have ignored drivers license sent in, lease sent in, bill statements sent in. They REFUSE to update my file and continue to month after month prevent me from fixing the errors. When i call they say its the other companies issue. Included is the incorrect names and address within the file. XXXX names and XXXX address non of which are current address lived at past XXXX  years
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX account no.XXXX are wrongfully appearing on my XXXX and XXXX credit bureau files.XXXX XXXX is the debt buyer for XXXX, ALSO ACCT NO.XXXX.THE ACCOUNTS HAVE BEEN RE-AGED.The correct date of first delinquency is XX/XX/XXXX DAYS LATE.The account was never brought current and was closed by the creditor on XX/XX/2012 when it was 90 days late. 
I have attached both the original creditors reporting to XXXX that have been verified many times along with XXXX XXXX.it is easily seen that the information, though verified as correct reports wildly different between the bureaus and is incomplete on key payment history dates. 
IN two months from today, if accurately reported both the original creditor and XXXX XXXX would age off the report. 
Please note what appears to be intentionally fraudulent reporting by the collection agency and original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was charged off after repossession on XX/XX/2018. The co borrower filed bankruptcy but GM Financial will not disclose if this vehicle is involved in his bankruptcy. The account is still showing open and sent to recovery but in fact according to GM Financial it is charged off. The credit bureaus are not reporting as charged off.
Product: Vehicle loan or lease

I am writing to file a formal complaint regarding a serious issue of forgery and fraud with [ Drive Time ]. On XX/XX/year>, I discovered that my signatures and initials were forged on the sales contract agreement after I had raised concerns regarding suspicious charges and incomplete information in the contract. 

Upon reviewing the documents, I found that the contract provided by the dealership contained forged signatures and lacked my authentic consent. This constitutes fraud and renders the contract void and unlawful. 

Please refer to the attached documents, which include the dealership 's emailed contract and my original, unsigned contract. As evidenced, the documents I have do not contain any of my signatures or initials. 

I am taking immediate legal action by pursuing charges for forgery and fraud, as well as preparing to file a civil lawsuit against the dealership. 

Should you need any further information, I can be reached at XXXX. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. Some items have come off however there are more that are not mine and has not been removed.I am doing this on my own behalf and really need help to get these items off my credit report.XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX, XXXX XXXX Transunion : XXXX XXXX XXXX  XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX Tronsunion : XXXX.
Product: Student loan

I took out XXXX loan with Sallie Mae, back in XX/XX/XXXX for the XXXX XXXX XXXX XXXX  at XXXX. Fortunately, I paid off that loan, and received a letter from Sallie Mae that the loan has been paid off, on XX/XX/XXXX. However, I recently started receiving calls from Sallie Mae that I owed money to them. When XXXX initial started reaching out this year, I was struggling with my XXXX and was receiving XXXX health services from the XXXX XXXX. Now, that I'm back on my feet. I looked into the details with my account with Sallie Mae. That's when I noticed Sallie Mae added someone else 's loan for the XXXX XXXX XXXX XXXX at XXXX XXXX to my account. Additionally, I have never even attended that university. Sallie Mae added someone else loan to my account!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, and so on.
Product: Money transfer, virtual currency, or money service

I was scammed {$50.00} due to a fake profile that was created on Cash App back in 2022 during this time I tried to contact a customer service representative in regard to this issue. There was no customer service number that was available for me to contact I did email The customer service branch and was told basically that there was nothing they could do that. It was too far out, even though it hasnt been a full 24 hours since the money has been taken I provided them with the actual cash app tag of the person that scammed me along with the email that they provided to me during the scam. Although this issue is reoccurring with every person in America, it would be nice that there would be an option to contact a live person to speak with to explain the situation when it does occur. Because unfortunately, that {$50.00} was my daycare payment for that week because I was unemployed and was collecting from unemployment after losing my job from having a big company buyout the company I worked for. And {$50.00} does go far when youre a single mother with children. Thank you for your time. Im hoping this issue does get resolved.