23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I never did business with the company CAINE AND WEINER RE : you violated the United States code law 15 US code 1681B permissible purposes of consumer reports ( a ) in general subject of subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

As a consumer by law these accounts on the letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX and TRANSUNION Credit Bureaus must validate this account by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX  Balance : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a signed contract nor any contract with XXXX XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel there is inaccurate information on my credit report from experian and other credit companies. XXXX is hitting me with a hard pull on XX/XX/19. I feel this is fraud and not authorized by me. Under the fair credit act I have called them a few times to show me where I went into there bank and signed anything. I have yet to see any accurate proof of anything as I personally did not request my file to be reported for any hard pulls as I know I am very picky when I do backround checks. I am looking for this matter to be fixed and any misunderstandings be resolved.
Product: Mortgage

I paid off my mortgage in XXXX to Dovenmuehle Mortgage and still have not received my escrow refund. 

XX/XX/XXXX - I paid off my mortgage and the payment cleared. 

XX/XX/XXXX - I called Dovenmuehle to check in and was told that my escrow refund would be issued soon. They said to call back in a week. 

XX/XX/XXXX - online records show a check was issued. 

XX/XX/XXXX - I called because I still hadn't received my check, and was told to call back if I didn't receive the check by XX/XX/XXXX. 

XX/XX/XXXX - I called because I still hadn't received my check. They told me that the check was mailed, but to the wrong address. For some reason when they mailed the check they did not include the unit number, even though it's on our loan documents. I spoke with XXXX, and she said that I would need to submit a change of address form and then she could mail me a new check. I asked to have the money sent via ACH or a check overnighted, and she said I'd have to wait until XX/XX/XXXX for that to happen. I requested to speak to a supervisor, and she said they would call me back later that day. They never called me. 

XX/XX/XXXX - I called to request an ACH for my escrow funds, and was told that a supervisor was unavailable. The customer service rep said she was going to send my bank information to a supervisor so that they could process an ACH. 

XX/XX/XXXX - I called again and talked to XXXX. She told me that I'd need to submit a voided check to get an ACH. She said that the CSR I spoke to was wrong, and that they don't have any of my bank account information saved. I asked if I could speak to someone who could process the ACH immediately, and she said that I could not. She said a supervisor would call me back within 24 hours. 

XX/XX/XXXX - I emailed all of the information above to XXXX to try to get my escrow refund.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX I believe this collection is reporting inaccurately. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX XXXX - XXXX I believe this collection is reporting inaccurately. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

Listed below are the Inquiries that are being challenged : XXXX  - XXXX Please verify that this inquiry is reporting accurately on my report now! - The following inquiry was not authorized and should not be reported. 

XXXX XXXX - XXXX Please verify that this inquiry is reporting accurately on my report now! - The following inquiry was not authorized and should not be reported.
Product: Debt collection

I am writing to file a formal complaint regarding a collection accountS labeled USAA SVG BK XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my XXXX XXXX and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my XXXX XXXX. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting or other personal consumer reports

Inaccurate information XXXX XXXX Account : XXXX ( Remove inaccurate balance information account was closed ) Exeter Finance LLC Account : XXXX ( Remove inaccurate balance information account was closed ) According to the Fair Credit Report 15 U.S.C 1681
Product: Credit reporting or other personal consumer reports

I have disputed 2 separate accounts with XXXX XXXX multiple times. I keep getting back account is verified with no other explanation or findings.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX  XXXX Bankruptcy Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2011 my identity was stolen and a XXXX XXXX card was open in my name. I did not know about the card until further looking into my credit. I immediately called, informed XXXX XXXX of the situation, and requested they close the account. I was told no charges were made and they would close the account and remove it of my credit. Upon further investigation, XXXX XXXX is still reporting to all 3 credit bureaus. I never received any information concerning this account until I called.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received credit denial for an auto loan from XXXX XXXX  from a dealership ( XXXX XXXX XXXX XXXX [ App # : XXXX and XXXX XXXX, XXXX App # : XXXX ). Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And XXXX pandemic assistance received during the entire COVID-19 timeframe. Along with vehicle type, make or model and/or purpose not eligible for financing as my employment is an independent contractor for XXXX XXXX Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXXXXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. 

I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. And my congressman sent the police to my home to have me arrested and committed for a XXXX XXXX versus resolving what I was contacting his constituent services about. XXXX and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. 

I'm not in my situation by choice. I didn't create this! 

SageStream , LLC is misreporting all of my information to not just auto financing, but insurance and even reporting a citation I received that I have not even gone to court for yet.
Product: Credit card or prepaid card

I have a {$2000.00} + on child support I have tried contacting way2 go the go program and XXXX and XXXX can tell me how to contact way2go u sit on the phone for hours and XXXX ever answers and they hand up in your face please help me
Product: Debt collection

I have no idea who this company is and why they are listed on my Credit Report. I have tried to contact the company, but was unable to contact them.
Product: Credit reporting or other personal consumer reports

These accounts was never late, please ensure that all information are correct.
Product: Debt collection

On XX/XX/XXXX at XXXX I received phone call from First National Collection Bureau saying I  owe over {$23000.00} in a XXXX debt on a credit card that was not my debt. He used threatening words saying I failed to appear in court and was attempted to be served 3 times under the wrong name. He asked personal questions that had nothing to do with a debt. I asked to speak to the fraud department numerous times as well as asking for a manager.  He did not give me a number and continued to use threats of FTA and arrest. He gave me a supposed court docket number that wasn't accurate as I looked it up on the public judicial site in my state. Hoping to get some assistance as to what I can do about this issue and hopefully help others who may be going through something similar.
Product: Credit reporting

Equifax has the wrong date of first delinquency. I missed my first payment with XXXX in XX/XX/2008. This makes the account 7 years old and no longer reportable. I am attaching the account record from XXXX, and a report pulled from a mortgage company as proof of the correct date.
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts 1. XXXX XXXX XXXX XXXX XXXX this account is being reported inaccurately, please remove this from my credit report immediately
Product: Mortgage

This is reference to an already open complaint filed with the CFPB ( XXXX ). I really need the CFPB to understand the egregious incompetence of the The Wells Fargo Home Equity Organization. I appreciate the diligence the CFPB has exhibited to date regarding my initial complaint, but the reasons WF is seeking extensions to what should be a relatively straight admission of gross misconduct/neglect is appalling. I am now providing you, yet another example of not only ineptness, but serious violations of all federally mandated privacy laws. Last Friday, I received the attached letter in response to the initial complaint. The letter is addressed to me with my current address, but opens with someone else 's name ( XXXX XXXX XXXX XXXX ). I can only assume I now know that a XXXX XXXX XXXX. XXXX applied for a HELOC and was denied. I only hope my name is not floating around in the world with someone else 's address. My only recourse at this point is to seek justice via litigation, but I will be extremely disappointed if strenuous enforcement action is not taken against Wells Fargo up to and including settlement agreement for my loss of a potential real estate transaction for unreasonable denial of a HELOC. For the record, I DO NOT WANT A HELOC FROM WELLS FARGO. I want recovery in the way of punitive damages. In addition disciplinary sanctions should be levied to the Wells Fargo employees connected with this process to include the letter received from XXXX XXXX ( Executive Resolution Specialist Customer Care and Recovery Group ) andXXXX XXXX at XXXX - Originator of the Loan Application for Wells Fargo.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent al address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit profile for the first time in 6 years and seen many accounts that were not mine. I never applied nor seen any of these accounts. These accounts need to be removed. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. There are also some inquiries that I'm not aware of XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX XXXX AND XXXX XXXX XXXX XXXX I have contacted the FTC and my local police.
Product: Debt collection

I applied to enroll at XXXXXXXX XXXX  XX/XX/16 and completed document submission on XX/XX/16. On XX/XX/16 they received theofficial transcript from my previous university. On XX/XX/16 I submitted the XXXX XXXX  Mastery Promissory Note ( MPN ) XXXX XX/XX/16 I received an email that said my payment was past due. I spoke with someone in the Financial Aid office and was told to disreard the email as i had just completed the MPN. Classes began on XXXXbut i was unable to attend or even begin the classes. Because of this I sent an email to my academic advisor about dropping and unenrollin. On XX/XX/16 I received an email from my academic advisor that said I could drop and unenroll because I had not participated by simply replying to the email. I replied to email on XX/XX/16 and was unenrolled and withdrawn from the course.On XX/XX/16 I received an email to complete the Student Loan Exit Counseling Request and completed it on that same day. Per the Department of Education the loan was closed with a XXXX balance. I never received any correspondence that there was outstanding debt until XX/XX/16 and the account was then sold to Ability Recovery Service ( ARS ) in the amount of {$6700.00}. ARS placed this debt on my credit report in the amount of {$8100.00}. I have requested a validation of this debt directly from ARS by certified letter including the MPN with my signature and they only send an itemized sattement of the classes totaling {$6700.00}. I have since learned that ARS is not registered in my state to collect debt. I have also disputed the item with the credit agencies and ARS keeps validating the debt with them. I am filing this formal complaint as this is not a valid debt and should not be reporting on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have looked deeper into my credit reports. I noticed an incorrect balance being reported on a vehicle installment loan. After difficulty getting ahold of  Capital One Auto Finance,  I was able to get them to send me payment history. On  XX/XX/16    I sent a first letter to  XXXX , with payment history as proof, advising them that they were reporting an incorrect balance on that particular account. Unfortunately they ignored my letter. Then on  X/XX/16    I sent a second letter to   XXXX   again advising them of mistake, which again they did not correct the incorrect balance mistake. They are reporting a balance of {$7200.00}, when in fact the correct outstanding balance should be of {$6400.00}. This inaccuracy has negatively affected my overall ability to receive credit. At this point I do not know what else to do.   XXXX   has completely ignored the mistake, even after sending them proof from the original creditor.
Product: Checking or savings account

I had issued a check to my Citizens Bank account which ended up bouncing due to issues with my employers bank account. Fast forward a week, i put another check in my account and instead of putting the check in my account they froze it. Turned my card off and locked me out of my money. Without a phone call, email or any other type of communication. The check cleared and was in my account but not available. It had also been removed from my employers account. They have since told me they can not release my check until a week from now for whatever reason. I also am unable to check my account to see the balance. Cant use my card to buy anything. They have also decided that on the XXXX they are going to close my account of 10 years for reasons I am unsure of. I took what I had in my account out but am waiting for them to take my check off hold and take it out too. Never experienced such bad banking in my life.
Product: Debt collection

Please reference consumerfinance.gov Case number : XXXX - I have not heard back about this case and Trans National Credit Corp. has not provided me with any proof that this debt is mine. They refuse to provide evidence and it seems that they can not even be vetted by Consumer Financial Protection Bureau. The 30 days have long gone as this dispute was submitted on XXXX/XXXX/2016. When is this going to be removed from my credit??? They refuse to provide the emails they say contain information that the debt is mine. PLEASE HELP!!!
Product: Checking or savings account

I attempted to to send USD from a CapitalOne 360 account to a   XXXX   XXXX   XXXX   account. Capital One told me that this transfer process between my own accounts takes 48 hours due to 'federal regulations '. In  XXXX ,  XXXX  and other countries the transfer of funds ( in the same currency ) occurs instantly. Why does this process take so long in the United States?
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and several accounts were opened fraudulently under my name. My checking account was compromised and money was taken. Ive had to close and open new bank accounts. Ive requested that these accounts be removed from my credit report and I have been unable to have this request fulfilled. 

For example XXXX XXXX XXXX is reporting a account that is not mine on all 3 of my credit reports. 

For example I have disputed this with the credit reporting agencies and they advise that the creditor states the information is verified but neither the credit reporting agency or the creditor will provide any information other than saying they have verified the account. 

I have disputed this several times with the credit reporting agencies and have received no actual data to verify this or other accounts that were opened without my knowledge. Every dispute is closed stating the creditor verified the information but I receive absolutely no documents to prove this is my account. I will be suing soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I noticed a number of fraudulent inquiries. I didnt request credit from the following companies. 

1. XXXX XXXX  XXXX 2. XXXX XXXX. XX/XX/XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX XXXX 7.XXXX  XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX 10. XXXX  XXXX XXXX 11.XXXX XXXX XXXX 12. XXXX XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX 15. XXXX XXXX XXXX  XXXX 16. XXXX XXXX XXXX XXXX Please see FTC report attached. All of the following inquiries are fraudulent!!