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

I filed multiple complaints Against a fraudulent inquiry on my credit profile issued by XXXX XXXX, after doing my research I have identified that a third party known as Equifax Mortgage Services pulled my credit report for the company in question XXXX XXXX. 

I never authorize any type of inquiry or had any type of business with XXXX XXXX for me and of employment, Insurance, financing, or any mortgage loans. 

As I stated in previous complaints I am not aware of how this company have information about me or my email address to contact me. 

I respectfully request that XXXX XXXX provide or display in this CFPB platform the proper documentation that Ive giving consent to impact my credit profile. 

If XXXX XXXX can not produce such documentation baring my wet signature then this inquiry must be removed immediately. 

I have disputed this inquiry also with XXXX and they have stated this inquiry is factually sound, so I am demanding XXXX  request the documentation necessary to show proof of their statements from this finisher of negative information to my credit profile with a fraudulent inquiry I did not authorize. 

Unfortunately I will be forced to engage in litigation in the State of New Jersey courts against XXXX XXXX for illegally checking my credit report without my authorization.
Product: Debt collection

Beginning on XXXX XXXX, I received 3 back to back messages on my office line from someone stating they were Investigator XXXX XXXX with the state locator office and I was to contact XXXX to discuss this legal matter before he came to serve me. It is in my best interest to call immediately because it will just go downhill for me. My parents called to say the same person had called them 3 times the same day and told them the same thing about the legal case against me, gave a case number and told them they had been legally notified. On XXXX XXXX my brother said he had 3 threatening messages left on his answering machine about an ongoing investigation regarding me and he was to return his call immediately to answer questions about me. On XXXX XXXX he called to say he received another message from Investigator XXXX XXXX to inform him my problems are turning to legal action and he was to contact them immediately at XXXX with case # XXXX to discuss this. He had 48 hours to return the call and he had been legally notified. On XXXX XXXX my brother said he received a message the 48 hours has passed and he left them with no choice but to proceed with having me served. On XXXX XXXX a message was left on my cell phone that this inspector will be serving me at home, work or with a family member to call XXXX immediately. He said I have until the of the day, good luck to you and hung up. On XXXX XXXX a XXXX XXXX left a message from an anonymous number and said garnishment documents have been faxed to my employer and to call immediately. On XXXX XXXX XXXX XXXX called to say he had claims against me and was a matter of jurisdiction. He will be contacting my employer for verification notification. On XXXX XXXX XXXX XXXX called and left 3 messages regarding complaints on my social security number ( gave the last 4 numbers ) and stated she will be starting employee verification and to call XXXX. On XXXX XXXX a friend from years ago said XXXX XXXX left 3 messages on her cell phone. Once to say she needed to call and provide asset information regarding me, once to verify she received the first message and again to say it was an important legal issue and she has been identified as being a known associate of mine. XXXX XXXX my mom called to say XXXX XXXX called her to ask about me, but she hung up. They then called later for my father, who also then hung up on them. My mother then filed a complaint with the FTC. XXXX XXXX my sister in law called concerned and stated there were 3 nasty messages left about my legal issues and she was to return a call to XXXX XXXX at XXXX. And also stated they had contacted her sister, or which I do not even know. XXXX XXXX XXXX XXXX called again and identified herself with the pre-legal department Warner Asset Location Service and to return her call immediately at XXXX before faxing employment and garnishment verification. XXXX XXXX XXXX XXXX left messages again on my office line and cell stating I must call prior to faxing verification of wages, assets and property.
Product: Checking or savings account

Dear FDIC, I am once again writing this complaint in dire need of my original complaint to be resolved ID : XXXX. I expressed to Citibank that my family and I are in desperate need of the {$50000.00} I deposited in my interest checking account in XXXX. My mother and I both opened new accounts in XXXX in order to obtain a {$700.00} promotion Citibank was offering. Citibank had closed my account without notification/notice in XXXX, and have since prevaricated giving me the total sum that I deposited for the past 3 months that I have been speaking with them. I am constantly transferred to a different line, hung up on, and told that a check will send that ultimately, they couldn't even give us a tracking number for or proof of it being sent. The most recent conversation I had with a representative at my local citibank, suggested that instead of mailing me a check, they would add me to my mother 's recently opened account so that the {$50000.00} could be transferred to our joint account. After promising us that this transaction would be cleared on Thursday ( XX/XX/2020 ), the money has still not been transferred. The representative from my local bank spoke with a corporate representative, who stated today ( XX/XX/2020 ) that the back office needed to clear the money to be transferred, but this is the exact same back office that has not sent us the money in the past, and are now saying that the money is in a ledger. 

I do not understand why Citibank is holding onto my {$50000.00}. This issue has gone on for far too long and my family needs the money to survive in these dark times. Their negligence to our needs is irresponsible, effortless, and morally reprehensible. We need the FDIC now more than ever to bring this situation to light. 

I hope to hear from you soon.
Product: Vehicle loan or lease

DCU Auto Loan DCU continues to make errors and claim my auto loan is past due. This has been happening over and over for the past XXXX years. They even had my loan listed as closed on my credit report. They are so unorganized and can not apply payments properly, not do the statements allow the customer to see exactly how/where payments were applied. They illegally repossessed the car in XXXX when it was current on payments. 

I have submitted multiple complaints to the Attorney XXXX XXXX and each time DCU fixes their errors. When they repossessed the vehicle, they did nothing when we called ourselves. When the AGOs office contacted them about the illegal repo, DCU finally stated that it was an error. They released the car immediately, paid all their repo costs, and credited payments because they knew they were wrong. 

Any time a complaint is resolved, within XXXX months, something happens again. if I reach out myself, I can not get anyone competent enough to assist. They will only make their competent people available to reply to the AGO complaints. When we last settled with the AGO complaint, all parties agreed the account was current. All payments since then have been on time. However, after the most recent complaint was resolved and closed, I continued to see this account is past due on my auto loan. 

There has not been a late payment since this resolution, but when I called they stated there is a small overdue balance. I asked how thats possible, especially where I am paying more than the money payment amount every month. 
. 
Now, in addition to this, the auto pay seemed to randomly stop prior to my XX/XX/XXXX payment, so I recieved letter now the account has a past due amount of XXXX and XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2017 a wire transfer for XXXX was generated by XXXX XXXX XXXX with destination to Coinbase ( XXXX XXXX XXXX  ). The name on the account in Coinbase was wrong. Coinbase said it would take no more than 10 business days for the wire to be refunded. after the 10 days the XXXX XXXX Customer did not get the XXXX deposited to her account. She proceeded with a attempt to recall the wire. XXXX XXXX has sent a total of 5 notifications to request the wire to be returned. XXXX XXXX XXXX has not responded to them. XXXX XXXX XXXX has acknowledge that they have the money but have not retuned the XXXX. they do not have a well established customer support and all communication is inefficient.
Product: Debt collection

Calls and recieved mail. Debt is not mine and this is harassment. Fake threatening mail and repeatedly leaving threatening voice mails. This debt is not mine nor is it on my credit report. This law office of XXXX XXXX XXXX needs to be sued or class action suit for slander, deformation of character, harassment of false debt, needs a cease and desist. Next ill file police report for XXXX threats
Product: Vehicle loan or lease

I called USAA on XXXX XXXX get the payoff of my auto loan and they send me the amount and I send them. Managers check with secured funds to pay off the car within the allotted time that they told me the $ $ $ was good for. The USAA customer service person took the check and put a hold on a verifiable account for no reason and let my auto loan to default and accrued extra inters to harm my credit and the ability to get loans in the future. They put a 10 days hold on the item and wont released until de XXXX XXXX. They wont give me a reason and they wont pay me interest on the check that is being hold by their part. I need help and get them to stop harassing us the customer with their actions that damage our ability to get loans and credit elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several violations are being broken and i tried to dispute a couple of times please help get these accounts removed as it is hurting my report by not reporting 100 % and should not be on there
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with XXXX  equifax and XXXX about this bankruptcy that has been showing on my report for I'm not sure how long. I have notified them over and over about this docket and they keep telling g me to contact XXXX a company that is reporting information to them. I called XXXX XXXX in XX/XX/2020 to request a report and once I received the report I saw the bankruptcy and immediately disputed the information. They sent me a correspondence stating the bankruptcy is some how " verified '' so I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ). Which states that : a consumer may request 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. I have not recieved any corresponding information from XXXX to determine the validity of this alleged bankruptcy on my file. I have already been notified of my mixed file by the 3 bureaus and XXXX refuse to remove this inaccurate information in my file. Also, XXXX, Equifax, XXXX, and XXXX XXXX are in violation of fcra 616, 617 and 611 ( a ) ( 6 ) ( B ( iii )  refusing to reasonably investigate and refusing to remove this unverified inaccurate information from my file.
Product: Money transfer, virtual currency, or money service

I had redeemed my employee stock options ( XXXX ) via XXXX ( XXXX XXXX ) on XX/XX/XXXX and the intermediary bank ( Wells Fargo ) had initiated a wire transfer for XXXX INR on XX/XX/XXXX. However, there was an error with the XXXX XXXX Bank account ( XXXX Bank ) number shared from my side. Immediately, I reached out to XXXX XXXX and there was an amendment placed on XX/XX/XXXX and the wire transfer request was updated. However, the transaction did not get through and the intermediary bank in XXXX ( XXXX ) informs the amount being returned back to Wells Fargo Bank NA on XX/XX/XXXX. Reference number for the transaction amount credited to remitting bank on XX/XX/XXXX ( WELLS FARGO BANK NA ( XXXX XXXX ) ) Reference number XXXX. 

I have been following up with XXXX ( XXXX XXXX ) for 2 months now, there has been wire recall request placed with no response. On enquiring when the amount will be credited back to my account, XXXX of the representatives inform that at this point, the wire recall request has been placed. We can not assure or let you know when the funds will be back into your account. I asked them for a contact / escalation matrix of Wells Fargo for which XXXX XXXX deny of providing any information. All they inform is that I have to wait indefinitely. There has been a huge financial impact due to this and I'm now pushed to request for money from my relatives to take care of my situation at home. I sincerely request that the amount be returned back to my XXXX account.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the inquiries that you are reporting on my credit
report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XXXX XXXX  Date XXXX Account Number XXXX Reason for dispute_IDENTITY THEFT_ Account Amount XXXX Account Name XXXX XXXX XXXX Account Number XXXX Reason for XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX XXXXXXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account Amount XXXX Account XXXX XXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name _XXXX_______ Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name XXXX  Date XXXX Account XXXX Reason for dispute__XXXX  XXXX Account XXXX Account Name_XXXX XXXX____________ Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name XXXX XXXX  Date XXXX Account XXXX Reason for dispute_IDENTITY XXXX Account XXXX Account Name__XXXX____________________________ Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

I filled a dispute on the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to Laws 15 USC 6802 : Financial institutions can not disclose nonaffiliated consumer information unless they provide a notice to the consumer, allowing them to opt-out & 15 USC 1681b : Defines permissible purposes for accessing consumer credit reports, such as for credit, employment, or insurance. & 18 USC 1028A : Criminalizes producing or using false identification documents without lawful authority My rights are in CLEAR Violation. 

I requested they immediately cancel, discharge and remove this debt as I have no federal obligation to this debt. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). They alleged the company of accepting unreliable information and failure to notify consumer dispute results. This aligns with my situation! This is stopping me from being able to purchase a home. XXXX has not attempted to remove, nor correct any information.
Product: Debt collection

I moved into some apartments in XX/XX/2016. The apartments were really rowdy dirty and the property XXXX was on XXXX. I spoke with them asked to move out. They agreed that I could break the lease and move out so I.. after I moved out I spoke with a man that said he was the owner. He called me a XXXX XXXX we got into an argument. He told me well I dont approve of you breaking the lease. I told him we already signed documentation and I moved out of the apartment he was upset because I said his apartments were ghetto and dirty and that I did not live like that XXXX years later it appeared on my credit report. When I called the apartments to get information, she gave me a fake number, XXXX XXXX the company and they did not have any information that they can give me regarding the debt that they claim that I owe. I was never given notification of this debt. I was never made aware that they were trying to come out to me for breaking the lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2018 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$11000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX XXXX and TransUnion consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States XXXX XXXX for the XXXX XXXX XXXX XXXX, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX XXXX, account number XXXX ; 2. ) Bank XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX Bank, account number XXXX ; 5. ) XXXX XXXX XXXX XXXX, account number XXXX 6. ) XXXX, account number XXXX ; 7. ) XXXX Bank, account number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Product: Debt collection

A debt collector is sending threatening letters to me. XXXX XXXX and suffer from XXXX I work all day the have to be threatened with gaslighting letters.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin, XXXX XXXX XXXX XX/XX/year> Subject : Request for Debt Validation, Chain of Ownership, and Cease and Desist Dear, I C SYSTEMS I hope this letter finds you well. I am writing to formally dispute the validity of the debt you claim I owe and to request specific documentation regarding this matter. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt being collected, and I am exercising that right now. 

To ensure clarity and transparency, I request the following information : 1. A copy of the original assignment or contract that confirms your authority to collect on this debt.

2. A complete chain of ownership that demonstrates how this debt has been transferred from the original creditor to your agency. 
3. A detailed accounting of the debt, including the original amount, any fees or interest added, and the total amount currently being claimed. 

Furthermore, I want to bring to your attention that I am currently being harassed by your agency and other collection agencies regarding this debt. This has caused me significant distress and is unacceptable. Therefore, I request that you immediately cease and desist from all further communication with me concerning this debt until you provide the requested validation. 

I have not supplied doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Please be aware that I am keeping a record of all communications related to this matter. If you fail to provide the requested documentation within 30 days of receipt of this letter, I expect you to discontinue all collection efforts regarding this debt and update my records accordingly. 

I appreciate your prompt attention to this serious matter. I look forward to receiving the requested information so we can resolve this situation amicably. 

Sincerely, XXXX XXXX