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

In reference in XXXXXXXX XXXX XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.. These fraudulent accounts consist of a personal credit card account opened at XXXX  on XXXX XXXX Under account # XXXX, another personal credit card account opened at XXXX on XXXX XXXX under account # XXXX, A personal loan opened at DEPT OF ED XXXX on XXXX XXXX XXXX account # XXXX, another account opened at XXXX on XXXX under account # XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Had a dispute against XXXX XXXX XXXX XXXX, hereinafter referred to as, XXXX and Experian Credit reporting. 
Experian claims they removed the disputed account as XXXX did not respond to the dispute in a timely fashion. Inn a chat conversation with XXXX they stated they resolved the situation and the account would be reinstated on my account. The account has XXXX remaining payments on a 72 month installment. The removal has damaged my credit by lowering my score and being downgraded. 
The account has never been late and is a big part of my credit history. As a result of XXXX  inability to report and respond to a dispute Im being punished by Experian as a result of the account being removed. If not reinstated it will not appear as a closed account, as if the loan never existed and cause irreparable permanent damage. 
The account needs to be reinstated so I can pay off the balance and end the disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I have a Capital One XXXX Rewards card.Recieve 1 % cash back for every dollar charged. 
I redeemed {$500.00}, and recieved check XXXX.I failed to cash check within 90 days, and check voided.I called customer service, and was told my account would be credited {$500.00} within 90 days.That did'nt happen.I called again, and spent 2 hours being passed from agent to agent. 
Capital One has violated Terms Of Agreement by not refunding this money to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I received a call from a collection agency about an unpaid account with XXXX XXXX that was set up with my social security number. XXXX determined it was a case of fraud. I was advised to file a police report ( see attachment ). On XX/XX/XXXX I received an e-mail from XXXX stating that they notified Experian, XXXX, and XXXX. It stated that it would take 30 -90 days for the fraudulent account to be removed from my credit report. In XXXX of XXXX, I was completing a yearly free credit check and noticed that the unpaid account is still showing up on all three credit reporting agencies. I called XXXX and a similar email was sent on XX/XX/XXXX. Both emails are attached.
Product: Debt collection

-Months have gone by asking for validation of debt. I have yet to receive any written letters providing proof of XXXX legally obtaining my signature to release any of my medical information under my HIPAA rights.
Product: Debt collection

DNF Associates filed a lawsuit in XXXX XXXX XXXX. Not sure how as do not even know this collection agency. False claims filed in court without contact to me without providing a legal valid debt by law. Old debt XXXX I have sought legal rights which is to wait it out from hardship that I have no assets or garnishable income. I can file bankruptcy any day if needed. However too old of a debt that was discharge by XXXX that am not sure how this was obtained as a write off by XXXX if they sold an old debt but regardless legal debt practices were not followed. Not sure why 2 copies of debt paperwork that is most likely hacked sources would be accepted by a court and why questions are not legally asked on attempts from them. This is illegal debt practices by law. Bill of sale also does not have DNF signature. 3 signatures same name. Not notarized. My name is not on documentation. From XXXX and never been contacted by them. Bill of sale has XXXX XXXX XXXX  XXXX XXXX  and DNF is listed but no where am I listed with sale amount. An attachment of the debt service from this is provided however no where on Bill of sale is there any legal binding to any debt owed. XXXX XXXX was debt holder at the time of XXXX of my account was the only owner of debt and seems odd namage of non binding XXXX on Bill of sale to gain funds illegally with no contact at all by named DNF in lawsuit. Debt is a minor amount that attorney fees would be above debt that appears harassment and other illegal activities. Named attorney XXXX XXXX XXXX I have had other harassment in the area and difficult time in comparison to others I know whom have had debts. I did attend high-school with a XXXX XXXX and I believe they are related to XXXX from reading about XXXX and XXXX. XXXX works at XXXX in XXXX XXXX. Another XXXX was at a doctor 's appointment when do not think he was an employee that was reported to the FBI. He wanted me to sign an unlawful pre-written document at time of doctor 's appointment for work injury.
Product: Debt collection

My student loan went into default ( i thought it had been consolidated when I did a consolidation in 2018 ). I called Reliant Capital Solutions that held the debt relating to my student loans. My contact person was Mr. XXXX. He was incredibly rude and a bully. I requested several times to speak with other individuals including his supervisor. The company assigned me another person to work with who is very helpful and is willing to work with me. Mr. XXXX 's behavior was typical of a bad debt collector.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX  XXXX XXXX XXXX Balance : {$3700.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$1200.00}
Product: Credit reporting or other personal consumer reports

Transunion still reporting fraudulent inquiry on my consumer report after disputing by phone and with the company that the hard inquiry is fraud and was not unauthorized by me.
Product: Credit card

in late XXXX early XXXX I sent a letter certified, registered mail, return receipt requested, to Synchrony Bank regarding my XXXX card, in order to request a payoff amount on what they said that I owed on this credit card. They received the letter but I have yet to receive a payoff amount in the mail. they 've completely ignored me. I filed a complaint with you about this and they said that they sent me a mail they snswered my mail but I have not received anything from them. I 'm just trying to clear this up to pay it off and they are not, absolutely not, working with me at all. All I want is a payoff amount that they will accept to get this cleared up it 's not difficult, it 's not hard just a payoff amount.
Product: Money transfer, virtual currency, or money service

I had a client make a {$20000.00} donation to help save my company. So I used square to process that so that there was a record of it. Square flagged it, closed my account, and sent me an email they would hold my funds until XX/XX/2024. I sent them the info they wanted and they said so sad too bad. So then I sent them An email complaining and now In retaliation they went and further stated that now my funds would be held until XX/XX/2024 In the mean time Im losing all of what I worked so hard for
Product: Mortgage

Prior to closing, XXXX withdrew the loan without my consent and now want to reinstitute the same loan but with " points '' in excess of {$5000.00}. 
It is predatory lending.
Product: Debt collection

Machol and Johannes LLC, attorneys at law filed for a garnishment against my Father and Mother, out of XXXX Colorado, and received a court backed seizure of funds, however the funds seized were in accounts belonging to myself, who at the time was XXXX, and my Brother, who was XXXX, both of us are adults, and I do not even reside with my parents in Colorado, However my entire savings account was seized, {$830.00} dollars was taken out without my knowledge, while my brothers account was also emptied, and the company has refused to even discuss this issue with me. 
This occurred on XX/XX/2020, and neither the state of Colorados Attorney General has given any information, and Machol & Johannes still refuse to discuss their blatant theft from uninvolved parties.
Product: Debt collection

Company sold car for full price and company didnt release amount over for car that was owed to me, which company is trying to charge me for a car that has been sold in XXXX of XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of 2022, there was an unauthorized wire transfer of XXXX to my account. The money was taken from my savings account. How this happened was that I got a message saying that my card has been blocked. I got an email saying that there was a fraud alert on my account because there was a wire transfer that was authorized but I did not authorize it. On the email, it gave me the option to cancel the wire transfer and a few minutes later I received another email saying that the wire was successfully canceled. I know these emails are real emails, not fake ones because the real emails have the last 4 digits of my bank account in the top right corner. After I got the email saying it was canceled I drove to the bank and the lady who helped me also put in a claim to cancel the transfer. The bank does not want to be responsible even tho they emailed me that the transfer was canceled which is not fair at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion did not have my written permission to report personal information on my consumer credit report. I have asked the information to be removed.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX : Account # XXXX I received information from you attempting to collect the above-listed alleged debt. Please be advised that I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. I have not supplied proof under the doctrine of XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX  ) XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage with WellsFargo on XX/XX/19 and they were required to do ( 1 ) inquiry. When I spoke to the supervisor they had already done ( 7 ) inquiries via XXXX which lowered my score 9 points. I spoke to the manager : XXXX XXXX Sales Manager Wells Fargo Home Mortgage Office : XXXX XXXX XXXX XXXX And was advised I would receive a letter and/or evidence these inquiries would be removed from all three of my credit reports and to date I cant get a call back after several voicemails and emails or a letter. Im also frustrated that everytime I speak to my consultant : XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX | XXXX, NC XXXX XXXX XXXX Tel XXXX Ext. XXXX | Fax XXXX who initiated my loan for me and has done his part and has submitted it to a processor has to keep saying I will follow up to see why the processor has not reached out. This alleged processor who is going to call me to move my loan through the process. To date I have yet to even obtain a pre-approval to shop for a home or hear from a processor. 

I keep getting told someone will call you.. and no one is doing nothing. The loan is not moving on the tracker and at this point I just want all inquiries related to this mortgage removed and the application cancelled.. For a bank this size this snale mail tactic is not very efficient for a consumer. 

I want the excessive inquiries removed immediately from all three credit agencies as only ( 1 ) was authorized not ( 7 ).
Product: Checking or savings account

My unemployment check was deposited XX/XX/2018 and XX/XX/2018. 

The banks has added so many fees they charged me {$1200.00} in fees taking the majority of all my money and they can not explain the charges. This is an overt abuse of fraud XXXX XXXX : PAYMENTS ID : XXXX   XXXX  : XXXX XXXX XXXX ID : XXXX  XXXX XXXX XXXX : PAYMENTS ID : XXXX XXXX : XXXX XXXX XXXX ID : XXXX  XXXX Rewards Savings - XXXX  Summary Available balance ( as of today ) : {$18.00} Help for Available Balance. What does this include?

Bank of America Account
Product: Debt collection

I went on to try to dispute this with my on app credit bureaus.
Product: Credit reporting or other personal consumer reports

Between XXXX and XXXX my car loan payments weren't being autopayed from my other bank account. I have a car loan through Wells Fargo that should have been set to autopay. It was set to autpay ever since 2021 and not sure why I was notified so late thereafter the fact my account was late. It has docked me over XXXX points. I'm asking in good faith for a good will adjustment from Wells Fargo but I have yet to hear anything back.
Product: Student loan

I received the student loan forgiveness email in both XXXX and XXXX. EdFinancial not only cleared the $ XXXX that i still owed but added an addiional {$5200.00} to my principal. They then XXXX  out my total. However the XXXX was money i had already paid and they stated they were overpayments that my loans should have been forgiven already. Per EdF the US treasury was supposed to cut me a refund check for the XXXX. This activity was applied to my student loans in XXXX of XXXX. At this time i have still not received the refund check and we have no process to follow up on the check. I dont know if it was mailed to an incorrect address and or if it was fraudulently cashed. Please assist in finding out where my check is or who should be refunding me the money. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I see that XXXX and Experian are reporting XXXXXXXX XXXX somewhat negatively on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX, Experian, and XXXX are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress 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 those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures.
Product: Student loan

I was approved for IDR plan today XX/XX/2019 ; however I received two confirmations with conflicting messages. In an email, which I will include in this complaint, states that I now have a monthly payment of {$0.00} which I need to recertify annually. This is fair and makes sense. I then received a Pdf attachment from a secure email, stating that i have a monthly payment of {$260.00} due on XX/XX/2019. What plan am I on? If I have no income, why am I now owing {$260.00}? 

Please help sort out this confusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original creditor-XXXX XXXX Account XXXX XXXX Current Collector- XXXX  15 U.S.C.1681 section 602A states I have the right to privacy. In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 

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

Your company, XXXX XXXXXXXX XXXX is reporting inaccurate and incorrect information to my consumer reports TransUnion, XXXX, and XXXX. Your company reporting past due amounts for an account you labeled as charged-off. Your company did not have written permission from me to report any of the negative information to my consumer reports. 

Please see attached letter to understand the specifics and violations from your company. My mode of living has been affected and my ability to obtain credit to be able to take care of my family along with my children 's ability to pay for college.
Product: Checking or savings account

I have been banking with Wells Fargo since XXXX there was a dispute filed on XX/XX/XXXX of XXXX apparently someone has made a call to Wells Fargo and have disputed bunch of charges made a total of almost {$1000.00} when that came into my awareness I had just about almost 3 months to figure out what that provisional credit was it made my account go in the negative then the closing my account I filed a fraudulent claim they have closed my account not told me what was going on all the agents don't know how to respond to this I have been disrespected I have been by Lately by Lady my privacy they stoled my account information on me see through third-party
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration with the dispute process regarding items on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. The items in question are unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a car with BMW of XXXX, VA, back in XX/XX/2022. It is now XX/XX/XXXX and I still have not received a tag or registration for the vehicle. I have contacted the dealer several times to attempt to resolve the issue to no avail. The vehicle is no parked as it has an expired temporary tag and it would be illegal to drive. To me, the contract and loan terms have not been met because I paid for tax, tag, and titling fees. I'm beginning to worry that there may be some title issue preventing registration. Please help me resolve this issue.