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 XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Capital one 360 is illegally withholding my money and will not let me withdraw it after closing my account and not giving me a reason why it was closed.
Product: Consumer Loan

Hello My name is XXXX XXXX and I have a XXXX XXXX XXXX XXXX through Santander Consumer USA. I got the truck back in XXXX and had some financial hardship when my got sick and had to stop working. The vehicle was repossessed but they gave me ten days to get it back. They told that if I paid the past due balance that I could get it back in good standing so that 's what I did. This past XX/XX/XXXX I was trying to purchase a home when I found out that they charged off on the loan and wrote it off as a bad debt. The truck is still in my possession and I 'm making payments on it.
Product: Credit reporting or other personal consumer reports

I have diligently contacted Experian on dates between XXXX and XXXX via certified mail ( enclosed are copies of the receipts ) and have made numerous calls to their customer service department. Despite my persistent efforts, the inaccuracies on my credit report have not been corrected, causing severe financial consequences for me. These inaccuracies include incorrect reporting data along with accounts that are not mine. XXXX has continued to verify these accounts as correct and have failed to provide in accordance with the law the request verification.
Product: Credit reporting or other personal consumer reports

I am refilling this complaint to EQUIFAX with confirmation number XXXX for allowing unauthorized inquiries on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report unauthorized inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Debt collection

I was served at my home with a summons on XX/XX/year> that was dated XX/XX/year> in the Supreme Court of the state of NY in XXXX XXXX by XXXX XXXX XXXX XXXX, a company I have never heard of and have never done business with claiming to be attorneys for Discover Bank, but the service was not correct as required by law. I was never given or mailed an additional notice of lawsuit form XXXX, that by law, must have a stamped unsealed envelope addressed to me. I have absolutely no business dealings with XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2022 deposited by phone a check that i've got from my prior employer, by XX/XX/2022 my bank account got.frozzen and been trying to fix this situation because i don't have any access to my money, been talking two both parties every single day, several times.a day, the bank hold.me always on hold.for a long periods of time and always come with the same story that they can not fix my account because the check they had gave me is counterfeit and they can't do anything untill the check is clear, that i have to.talk.wirh my prior employee. Been contacting my prior employee and they tell me t hat the problem is the bank because in there side shows that the check was allready clarified and the money was taken from there account. Been.callingmy bank every day several times day and don't get nothing resolved, they got me back and forth for.10 days now and no one.wants to do anything to fix it, my bills a pile up, have to be asking people for food and i can't handle this any more, need help please!!!
Product: Mortgage

Due to health reasons I can no longer live in my home of 17 years I am XXXX and can't walk up and down stairs with ease. I found a buyer and I am trying to do a Short Sale because I owe more then its worth plus it needs major repairs Mold damage/Termite damage/Water roof damage, etc and I alerted Wells Fargo of all this from day one. Wells Fargo denied the Short Sale saying they want 90 % of what is owed and that defeats the purpose of a Short Sale. I have had to move to a rental and cant afford to keep paying for a unit I cant live in and Wells Fargo is unwilling to take what is offered by buyer who has to repair the unit which will cost him thousands as it is to make it livable again. Wells Fargo has never worked with me when I went to them in all the years I owned this condo and now is no different. You would think a falling apart unit would be a relief to have sold in a short sale and not have to repair it themselves but no Wells Fargo wants me to walk away from it and they get it back while our credit is ruined. They don't understand I cant live there due to health issues I cant walk up and down stairs its a townhouse but they don't care.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of this fraudulent account from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. 
The banks have accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which have been mistakenly existing on my report for over five years. 

But somehow, this fraudulent account is still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting this fraudulent account since the submission of the required documents. What about you're bureau that keep reporting this account what action you are doing? 

I take a firm stand that you efficiently remove this fraudulent account from my credit report as the banks have already removed this from their record. Your swift attention to this matter is imperative.Additionally, I have reached out to the banks associated with the fraudulent account. 

XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am on XXXX XXXX. On XXXX XXXX XXXX Capital One assessed an annual fee totaling {$390.00} against me. I requested the annual fee be waived and was denied. I assert the interest rate plus this fee violates the Military Lending Act for XXXX XXXX service members.
Product: Debt collection

I found out recently someone use my social security number to apply for a loan with ace I have never personally applied for a loan to anywhere.Ive tried telling the store clerk at certain aces but they arent able to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX  XXXX {$770.00}
Product: Credit reporting or other personal consumer reports

I wrote XXXX XXXX requesting validation of this alleged debt on ( XX/XX/2023 ) As of today, the company only response was debt was verified. It has been 60 days. This company have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 5. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter.

6. What is your authorization of law for your collection of information?

7. What is your authorization of law for you collection of this alleged debt?

8. Please send evidence your authorization to do business or operate in the state of ( Michigan ) 9. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. 

Best Regards, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/23 : tried to activate new Direct Express card from a phone other than what is listed on my ssa application, recording said information not valid, this put a suspension on card and i had to send an email with ID so direct express could verify my ID. 

XX/XX/23 : -Did n't hear back and forgot it wasn't activated. 
-tried to use in Store to make purchase and was declined. 
-called customer service ( at the ONLY number listed anywhere for them ) ( 75 mins until I spoke w/a person ) : -the agent confirmed I'd was verified. 
-the agent activated the card and lifted the suspension off of the card said everything, including PIN were " good to go '' XX/XX/23 : -tried to use the card at the store and it was DEINED AGAIN! 
-called customer. Serv. That agent told me the card was not activated to call back and activate it through the automated system. 
>tried several times only to be transfered to cust serv after the 2nd attempt. 
-2nd call, same agent, says it needs to " reset '', to try again after XXXX. 

XX/XX/23 : XXXX : tried activating again after XXXX, same thing, " information unvalid '' and, again, after 2nd attempt I get forwarded to an agent who forwarded me to a " next level agent '' who told me the ONLY way to activate card is through the automated system, that there absolutely was nothing he could do for or tell me. 

If Direct express won't help me access my money what can i do to get my money out of their bank? 

The customer service dept is failing everyone that depends on them. 

The phone # only allows one to activate or report a theft/lost of a card. And after 2 attempts, sends one to an agent automatically, who then tells you the card can ONLY be activated through the automated system. What this means ; since the system keeps not recognizing my information I clearly can not activate the card nor use the card. So if Direct Express can not assist me in accessing the card WHO CAN? and what can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been more than 90 days that I have been trying to get some information updated and removed off my credit report. This is a violation of my rights and need to be removed immediately. Ive been in contact with the credit bureaus for over 90 days and no feed back on my status nor any updates or removal. Please update information immediately for it is not mine.
Product: Student loan

In 2001 my school closed 3 months into a 9 month program. They failed to provide proper required info to the state of Oregon. The loan was through XXXX XXXX and paid full tuition to the school ( XXXX XXXX XXXX ) up front plus 9mos of a cost of living stipend. OR repaid XXXX XXXX {$6000.00} through their tuition protection program but XXXX XXXX ( now Navient ) still holds me responsible for the remaining money including the 6mos of stipend that I never received. OR has inaccurate dates of the school closing resulting in Navient insisting that I received the education that was paid for.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent inquiry on my credit report that resulted from a recent data breach in which my personal information was compromised. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following inquiry be removed from my report : Fraudulent Inquiry XXXX XXXX XXXX XXXX  Date : XX/XX/2024 2024
Product: Credit reporting or other personal consumer reports

Firstly, I want to stress the vital importance of adhering to FCRA Section 602 ( 15 USC 1681 section 602a ), which underscores the duty of consumer reporting agencies to maintain fairness, impartiality, and an unwavering commitment to safeguarding consumer privacy. Additionally, I firmly assert my rights guaranteed unde

r 15 USC 6801, which ensure that my personal information is protected by financial institutions acting as suppliers of data to credit agencies. I have expressed directly to these companies that I would not like my non-public information shared. My primary concern revolves around the sharing of my information without explicit written consent. FCRA Section 604a ( 2 ) explicitly dictates that consumer reporting agencies are only authorized to provide reports upon receiving written instructions from the consumer. I do not believe I have given any consent to share my personal information and I hereby retract any implicit or ve
rbal consent previously extended to entities like XXXX, Experian, XXXX or other information furnishers to credit agencies. 

The reporting of adverse items without proper authorization is deeply troubling. According to 15 USC 1681C ( a ) ( 5 ), it's explicitly prohibited to report adverse information without explicit permission. It seems this regulation might have been violated, necessitating immediate attention and corrective action. Evidence of multiple items that are marked derogatory. 

Moreover, the breaches of reporting laws outlined in 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e cast significant doubts on reporting agencies ability to uphold reasonable procedures. These infractions severely undermine the trust and confidence that should be placed in the accuracy and integrity of reported information. 

Lastly, I formally exercise my right to opt out of your reporting services here with CFPB as witness, as provided by 12 CFR 1016.7. It's imperative that my opt-out request is promptly acknowledged and actioned upon with the immediate removal and deletion of all stored data involving 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

I received a recent copy of my credit report in XX/XX/2019. Upon looking at the accounts, I've noticed some accounts reporting inaccurately and incorrectly. I disputed the accounts in hopes each of the bureaus, TransUnion, XXXX, and XXXX, do an investigation on the companies and verify the accounts. Since then, I have mailed letters to each of the bureaus and haven't received any responses or results back. I am very upset on how the bureaus conduct themselves and report inaccurate information that disrupt the overall well being of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX FL XXXX XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. 
I contacted { capital once LLC }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the [ capital one LLC ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter, { XXXX XXXX } 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.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

AXCSSFN/CNGO XXXX XXXX XXXX Account XXXX : XXXX Account Type : Installment Account Type - Detail : Unsecured loan Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : Balance : {$0.00} No. of Months ( terms ) : 17 High Credit : {$2500.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : Comments : Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX XXXX, XXXX XXXX XXXX NEVER LATE, ACCOUNT WAS PAID AS AGREED. 
Date Last Active : Date of Last Payment : Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company has provided no proof but still reports incorrect in complete information on my report please remove trans and XXXX have removed this account due to incorrect information
Product: Credit reporting or other personal consumer reports

I would like XXXX  XXXX bank to remove the late payments off my credit report from dates of XX/XX/year> to current date. Due to me being on medical leave since XX/XX/year>.
Product: Mortgage

I lost my job shortly after my loan modification. I then paid {$2500.00} on my mortgage but didnt realize I was {$200.00} short of the full payment but wasnt 30 days late. Then the pandemic hit and was out of a job again. So requested forebearance still not realizing that I was behind this {$200.00}. Now I will be out of forebearance in XXXX. I have moved my daughter in with me. I am not collecting retirement so I can resume payments but they want the full amount. I want to deferment or repayment plan. I cant get another loan mod. But deferring payments is not changing the term of the loan nor the end date so why cant I get a deferment? 

Im not going to lose my home.
Product: Debt collection

Subject : Follow-Up Dispute of Collection Account Request for Method of Verification To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account # XXXX. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : 1. The method used to verify the accuracy of this collection account.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ).

Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the account to be authenticated ( A ). I will take legal action against them if they do not validate the account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Balance : {$6800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX ACCT, 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

In accordance with the Fair Credit Reporting act XXXX  Accounts, XXXX XXXX XXXX ( Original Creditor : XXXX ) account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account # XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) account # 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: Money transfers

I have previously expressed my concerns to the CFPB about Moneygram 's discriminatory policies against latinos & received several phone calls from moneygram assuring me that they would not select latinos for extra scrutiny when sending money back to our home countries. Today, I went online to send money & again moneygram refused / declined my transaction. When I spoke to the customer service department, I was told that there is nothing else I can do & that their system security has flagged me as a money launderer. Really? Is this because I am XXXX or because I send money to my family in XXXX? This is news to me, since I have a great paying job & make several transactions a month wiringsmall amounts of money to my wife & children in XXXX. This company needs to be shut down or be forced to pay a very large civil penalty for what they are doing to XXXX & people of XXXX