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

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

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

XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX All Banks XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

i requested information from transunion and they failed to do a reasonable investigation per the FCRA, 15 USC 1681i6b3 and i am requesting the information be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  AND EQUIFAX ARE VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF OF THE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

A FRAUD WAS PERPETRATED AGAINST ME BEGINNING XX/XX/XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC AND IT'S REPRESENTATIVE XXXX XXXX ), USING XXXX XXXX XXXX XXXX TO OBTAIN AN AUTO LOAN OF {$25000.00} FOR A VEHICLE I NEVER RECEIVED. A {$4000.00} CASH DEPOSIT WAS OBTAINED FROM ME BY XXXX XXXX. I MADE NO PAYMENTS TO WESTLAKE. HOWEVER XXXX XXXX MADE PAYMENT ACTING AS THOUGH THEY WERE FROM ME. 
A COMPLAINT WAS FILED AGAINST THE PERPETRATING PARTIES IN XXXX XXXX NORTH CAROLINA, ( BECAUSE I NEVER RECEIVED THE VEHICLE ), FOR BREACH OF CONTRACT, XXXX XXXX, CONVERSION, PIERCING THE CORPORATE VEIL AND FRAUD XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

From XXXX of XXXX through XXXX of XXXX I disputed several accounts, inquiries and inaccurate information on my credit reports from XXXX, equifax and XXXX. They did not send any references of the information I requested such as documentation indicating the said companies had agreements with me. The responses came back in less than 30 days that the information was accurate with no details and stayed on my reports.
Product: Credit reporting or other personal consumer reports

Hello, When I recently looked at my PERSONAL CREDIT REPORT it shows a BUSINESS CREDIT card on it, It also shows 60 Days past Due. I did not authorize the creditor to put any BUSINESS CREDIT card on my PERSONAL CREDIT REPORT, I was never late on any BUSINESS CREDIT CARDS as well. THE CARD and the late payments needs to be removed IMMEDIATELY The account is XXXX XXXX SERVICES
Product: Credit reporting or other personal consumer reports

I am writing this complaint again for the second time. I have sent your company a dispute last month XX/XX/2023 which I clearly stated the accounts that were fraudulent and in question, there are still accounts on my credit report that should not be there. The negligence of your company is causing me stress and affecting my XXXX XXXX not only have I stated the fraudulent accounts, I have also attached an FTC report with FTC number XXXX alongside my ID and social which I will be attaching again. I should not continue to be punished for being a victim, and all I can do is reach out to your company to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX Date Opened : XX/XX/XXXX Balance Owe : {$0.00} Dispute Status : I already paid the balance in this account and why it is still reporting as collections, it needs to verified and removed in my credit report. 

XXXX XXXX - XXXX Date Opened : XXXX Balance Owe : {$0.00} Dispute Status : I already paid the balance in this account and why it is still reporting as collections, it needs to verified and removed in my credit report. 

XXXX XXXX - XXXX Date Opened : XX/XX/XXXX Balance Owe : {$960.00} Dispute Status : I need to verified and removed it to my credit report. 

XXXX XXXX  - XXXX Date Opened : XX/XX/XXXX Balance owe : {$2500.00} Dispute Status : The balance is too high I need it to verified and removed it to my credit report. 

XXXX  - XXXX Date Opened : XXXX Balance Owe : {$0.00} Dispute Status : I need it to verified and removed it to my credit report.
Product: Credit reporting or other personal consumer reports

PLESEE VERIFY THESE ACCONTS, BECAUSE THE INFORMATION ON THESE ACCOUNTS IS INCORRECT 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 XXXXXXXX XXXX XXXX XXXX XXXX DELETE THESE INQUIRIES DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 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 name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit reporting, credit repair services, or other personal consumer reports

Reference # XXXX. I asked for Equifax to present my request of sending me my credit file and not my consumer report. I asked for All documentation and EQUIFAX did not fulfil my request and concerns. I demanded for Equifax to correct the inaccurate reporting on my consumer report. " if EQUIFAX does not have documentation to show these were in fact authorized it must be moved asap ''. On the XXXX of XX/XX/XXXX Equifax sent a letter stating that they could not locate my credit file for that I had not applied for credit. On the XXXX of XX/XX/XXXX I applied for an credit extension at XXXX XXXX in XXXX Texas. Equifax also stated that I had not used credit in the past ten years which I had applied fore a secured credit card within the last 3 years with XXXX  XXXX and Equifax stated that I had not lived in the United States or have not been issued a XXXX Social Security Number. I was born in the city of XXXX XXXX Texas on the XXXX of XX/XX/XXXX which is part of the 50 States that count as the United States. I also was given a Social Security number the same year of my birth. Equifax has MY social security number on file and I have used my Social Security Number during consumer credit transaction 's and employment applications. Equifax is providing ALL FALSE IMFORMATION and In violation of the LAW.
Product: Credit card

I was recently approved for a new Citi XXXX XXXX card with a balance transfer offer. I never received the card and requested a new one. I just got the card today. After activating it, I was told by XXXX different people ( customer service rep, accounts XXXX, and account XXXX ) that the offer was gone because I didn't activate it. I'm hoping that since I just got the card, there is someone who can help me get the offer again. It was XXXX XXXX interest for XXXX months.
Product: Checking or savings account

I applied for a checking account with XXXX today, XX/XX/2018. I was denied stating " Prior unfavorable experience with a financial institution. Current unfavorable experience with a financial institution. '' I contacted Early Warning to contest and dispute the incorrect information being reported that resulted in me being denied. However, as of today, Early Warning has not removed the account from XXXX XXXX XXXX.
Product: Mortgage

I am closing a mortgage with Wells Fargo but cant complain enough about my process. 

I was told by a underwriter, my loan officer, the executive office, and my Lon officers boss that I was for sure going to be approved, something I am quite sure you are not supposed to say. Every self imposed deadline was missed keeping me buying my nails to the end. I continued with other lenders but when I put them on the titles Wells reasserted themselves onto my title without asking me all they said is they could for sure close. This kicked off another lender that had already approved me. It also means I now have no choice but to trust Wells to close my mortgage with no approval as financing deadlines are this week. This anti competitive and meant I had to go Wells Fargo not XXXX XXXX  XXXX. They have missed every deadline and would not honor my request to apply without my fincee despite me qualifying. Lastly I am applying with long term XXXX  income and I am aware of some violations in how my XXXX  income was underwritten. I am also XXXX  and they struggled to accomdate it by allowing verbal answers to the underwriter. I had to inform them they could not ask about the specific nature of my condition, medical questions, ask for policy documents vs. standard income verification I alerted them to HUDS guidance on grossing up post tax income. Honestly, Im aware of Wells consumer issues and this has been a awful, stressful, and predatory process
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XX/XX/XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Violation of Fraud Reporting Regulations by Equifax Dear Sir/Madam, I am writing to file a formal complaint against Equifax for violating federal consumer protection laws related to the reporting of fraudulent activity. Specifically, Equifax has inaccurately reported late payments on my XXXXXXXX XXXX XXXX XXXX. account, which directly contradicts the legal framework governing permissible consumer reporting practices. 

Under 15 U.S. Code 1681b ( " Permissible Purposes of Consumer Reports '' ), a consumer reporting agency is permitted to furnish consumer reports only under specific, lawful circumstances. Furthermore, the Fair Credit Reporting Act ( FCRA ) prohibits the reporting of transaction histories or experiences between the consumer and the person making the report unless explicitly authorized by the consumer. Reporting such transaction history, including the alleged late payments, without my written consent is illegal and a clear breach of federal law. 

The inaccurate reporting of late payments has adversely affected my creditworthiness and overall financial standing. This unauthorized and erroneous action by Equifax violates my rights as a consumer and causes undue harm, contrary to the FCRA 's objectives of fairness, accuracy, and privacy. 

I request the following : 1. Immediate investigation of the violation by Equifax.

Removal of the inaccurate late payments reported to XXXX XXXX XXXX, XXXX. from my credit file. 
Assurance that Equifax will comply with federal laws moving forward to prevent similar issues from occurring.

Please confirm receipt of this letter and provide updates regarding the investigation within 30 days, as required by the FCRA. 

I have included copies of relevant documentation, including my credit report and correspondence with Equifax. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I have no liability toXX/XX/XXXX for they are a third party debt collector and I have contract no with them. XXXX XXXX XX/XX/XXXXbrought the debt from XXXXXX/XX/XXXXXXXX XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like XXXX XX/XX/XXXXXX/XX/XXXXto provide me the direct contract between them and XXXXXX/XX/XXXXXXXX XXXX showing that they are authorized to collect foXX/XX/XXXXXXXX XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or a way to out of XXXX XX/XX/XXXXXXXX, XXXX, and Equifax reporting this to my credit report.
Product: Credit card

I ordered food from a local restaurant that I have done business with for 8 years. They refused to accept my credit card stating that I had disputed a previous charge. I never disputed any previous charges. They have provided documentation that proves my credit card issuer ( Citi XXXX has stated that I did dispute the claim. Citi never billed me for the order in dispute, but now Citi wo n't take claim or help me clear my name with my local restaurant as they say the transaction never happened and they did not send the charge dispute form.
Product: Debt collection

XXXX XXXX XXXX XXXX and Transworld Systems XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX XXXX ( Account # : XXXX ) both has contacted me about the same debt and from my observance these companies are working together to cause havoc and collect debts via predatory practices. They also have succeeded in causing deep concern, confusion and created a portal of fraud tunneling. I asked them to send a letter in the mail that was never received. The company XXXX  that they may have purchased the debt from had a forwarding address that I left with the company for any future concerns and XXXX XXXX and XXXX has decided to take it upon themselves to disregard the wishes to send any and all info to this new address. I also requested via phone call for them to mail me a letter and never received any written correspondence at the forwarding address provided. XXXX XXXX and XXXX does not/ do not have permission to use my personal info outside of this forwarding address now or in the future. These companies manipulated a family member into accepting info for this debt via an online tools. They now have my information in their system without my permission and have breached my privacy across multiple sources and have started more fraudulent attacks and opened funnels for identity theft and XXXX  XXXX. I have sent a Cease & Desist notice due to their deceptive practices on my behalf and do not owe or agree to any debt with these companies for my self and on behalf of XXXX XXXX XXXX XXXX XXXX. I request that XXXX XXXX  XXXX and XXXX never use, access or sell our information for any reason at any time indefinitely. I am keeping a log of all of the phone numbers that I manage and will pursue {$1000.00} per each violation. A cease and desist will be sent to all companies involved.
Product: Checking or savings account

I had XXXX originated ACH debits for different payments that I authorized to debit my USAA checking account. XXXX from different XXXX accounts- XXXX for {$3000.00}, XXXX for {$1900.00} and one from XXXX XXXX XXXX for {$91.00}. These were originated from both XXXX and XXXX websites, not from USAA. And I had already had my checking account at USAA well established as a debit account for paying these credit cards long ago on their sites. On XXXX I received XXXX different emails from my other banks - XXXX from XXXX in the morning and later in the day XXXX- indicating that the payments had been returned, but they did not indicate why. Simply that I need to talk to my financial institution, which is USAA. And that they were reversing credit for my credit card payments. I called USAA in the XXXX  on XXXX to find out why they had rejected after I had received the emails from XXXX. USAA had no record of the rejections nor did they have any transaction records or even any proof that they rejected the payments. Nor was there any detail of this on my online transaction history. Basically the XXXX at USAA was unable to help me at all. After I received the email from XXXX  XXXX in the early afternoon of XXXX, I called USAA again to find out what happened because now it had happened a third time and was not a fluke. The XXXX  tried to help but still wasnt able to find any transaction history indicating that USAA had rejected the ACH debits to my checking account or what possibly couldve happened. I had more than a sufficient available balance in my account and I have overdraft protection against my credit card that has a XXXX dollar balance so there should be no issue with any payments or availability to pay. The second XXXX even tried to contact someone in the back office and attempted to find out what happened but could not find any transaction history or even evidence that they had rejected the payment, which is completely untrue of course. My payment accounts at both XXXX and XXXX XXXX have been well established for years and have had originated XXXX debits paying these accounts for years without an issue. Most disturbing is that USAA was unable to provide any history or explanation why they rejected XXXX different ACH payments from XXXX different accounts when I had more than enough available balance and there was no fraud hold or other issue preventing debits to my account which the XXXX  validated. This is frustrating because now both XXXX and XXXX XXXX think that I am a bad customer because I had a returned payment to them purely because of XXXX incompetence. And that will look poorly on me as a customer of these other banks. Which is the last thing I need. Needless to say, I will use another bank who can accurately make my payments without rejecting them, but this sort of basic transaction processing in the inability of USAA to do this is incredibly frustrating and also reflects on my credit worthiness.
Product: Checking or savings account

on XX/XX/2023, i came to wellsfargo branch in XXXX california XXXX XXXX to deposit XXXX cash and the lines waitting too long so i decide to do atm deposit so i can go to work, when deposit machine atm return XXXX and said XXXX and print out receipt XXXX cent for me, i came in side branch and talking to banker, the man seem to be manager told me to call the number on receipt after 30 min he will will fix atm and update to my account, since then i keep calling bank XXXX and get hold on phone more than an hour then they said i have to wait 10 days, then i came back to the branch in after noon at XXXX XXXX  and spoke to the man seem this morning and he said give it XXXX XXXX, and next day morning i called bank because no money deposit to my account exept XXXX cent since yesterday had posted. the bank keep tell me wait 10 days i said i deposit cash and fund should be available imediatly for use and manager branch said they did clear the atm and fix and should be update to my account by now and why everytime i call the bank and have to wait 40-60 min on hold and end up said i have to wait for 10 days? and i have no ideas where my cash deposit gona and they dont even tell me. im search on XXXX wellsfargo stolen atm cash deposit and there are so many result came out and they lost money to wellsfargo atm deposit and never get it back and i keep reading until i see people post this page for me to files complaint. please help i need my money back and the bank seem ignoring.
Product: Credit card or prepaid card

FRAUD charge on credit card for a painting contract for painting not completed. Chase is aware of contract not being fulfilled via written description from me along with photographs. Chase choose to ignore NOT completed contract and charge credit card anyway. Details : We signed a painting contract with XXXX XXXX, XXXX, MA. We moved out of our house so that XXXX XXXX could complete the job. Valid deposit made at project beginning. Many weeks into the project XXXX XXXX called us and said the project was complete and that they were charging the balance of the contract amount due. We returned a few days later to find project not completed. We notified Chase who have allowed FRAUD charge to remain. Chase choose to ignore the proof that contract was NOT completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX  XXXX Account number XXXX has violated my rights. 
15 U.SC 1681 Section602AStates I have the right to privacy.

15 U.S.C 1681 Section 604 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. 
XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am a victim of identity theft and I am writing to request the removal of the following fraudulent hard inquiries from my TransUnion credit report : 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 

These inquiries were made without my consent or knowledge, and I believe they are the result of someone else attempting to use my personal information for their own gain. As a victim of identity theft, I am entitled to dispute inaccurate or fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that these fraudulent hard inquiries be deleted from my TransUnion credit report as soon as possible to protect my credit score and financial well-being. I am willing to provide any necessary documentation or information to support my claim. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX