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

XXXX XXXX CREDIT CARD has made illegal, invalid, erroneous, and unauthorized hard inquiries on my credit which has damaged my credit score. 

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX CARD Made on : XX/XX/2018 Made with : Experian Made by : JPMCB CARD Made on : XX/XX/2018 Made with : XXXX  I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I request that after removing your unauthorized and outdated inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In a letter from Wells Fargo Bank dated XX/XX/XXXX I was informed that there was an attempt to open an account in my name on XX/XX/XXXX. 
XX/XX/XXXX : I visited the Wells Fargo branch on XXXX XXXX. in XXXX DE and was informed by XXXX XXXX XXXX XXXX that the branch could not help me and told me to call online fraud. 
I filed an identity theft report with the XXXX XXXX XXXX DE Police Department. 
XX/XX/XXXX : I contacted XXXX at Wells Fargo Online Fraud, reported the fraud, was given a case number, told what steps I needed to take and was told I would be notified of the outcome within 30 days. 
XX/XX/XXXX : I received a letter dated XX/XX/XXXX from XXXX XXXX of Wells Fargo Loss and Recovery Operations, Identity Theft Assistance Team. It detailed all the information required from me to receive the information that was fraudulently used on the application in my name. 
XX/XX/XXXX : I sent certified mail containing all the information requested to Wells Fargo. They received it, signed for it but neglected to date it. 
I have since made numerous calls. Spent hours on hold having to hang up with no answers or satisfaction. 
XX/XX/XXXX : I was on hold for 1'50 '' and once connected to the wrong department. 
XX/XX/XXXX : Today, as I fill in this form I'm on the phone with Wells Fargo. It's been an hour and forty - five minutes now and I've been connected to four different representatives, am presently on still hold. 
I was promised the personal information that was used to apply for the account in my name within 30 days. It's been 3 months and no information received. 
Wells Fargo XXXX XXXX : XXXX CCM Number : XXXX
Product: Checking or savings account

Every 2 weeks there is some type of hold placed on my account I receive the same auto generated response no one has time to address my issue remove any flags that all of sudden been placed on my account.. I hear the same apology and here I am again with the same fraud flag for the exact same charges this is so frustrating!!
Product: Credit reporting or other personal consumer reports

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give these companies permission to pull my credit reports. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer science help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting or other personal consumer reports

I would like to bring to your attention my continued concern regarding inaccuracies and mistakes on my credit report. It has been months since I initially brought these issues to your attention, and regrettably, the same inaccuracies persist in my recent credit report until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Capital Accounts LLC add a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and Im no longer responsible for the account Capital Accounts LLC did not verify this collection. Also there was no written form of communication, contact or signature for this accused debt at all. a bill without signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Capital Accounts LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Debt collection

I have continuously been getting call regarding a debt I owe to XXXX in XXXX, KY. They are harassing phone calls. At first I was worried, so I called XXXX XXXX and asked them because I was confused. Stated that I thought I had paid my balance in full. I have worked with this comany for a few payday loans at this point and was almost 100 % my balance was XXXX. After calling them, they confirmed my account balance has been paid in full and they do not know why I would be getting these calls unless it was a scam. I have recently received a letter stating that I owe {$480.00} dollars almost a XXXX months later after their last call. I still do not owe this according to XXXX XXXX, and now I am scared this will affect my credit. I do not wish for a debt I owe to affect my credit, but am unsure where to turn. So here I am reporting what I believe to be fraud and so does XXXX XXXX. One of my biggest clues this was fraud was when the person on the end of the phone call called me a " good for nothing XXXX '' after I refused to pay the debt I did not owe or give them anymore information. This has to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft WF CRD SVC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

5. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/2019 This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.
Product: Checking or savings account

On XXXX we received a fraud alert call from USAA. During the call the agent sent us a link to verify transactions. This gave them access to our account and the call dropped. Once the call dropped we called to USAA. The agent said scammers are spoofing the USAA number and they didn't call us but scammers did. They looked at recent transactions and stopped all the fraudulent ones. Froz our account to investigate in XX/XX/XXXX our account was active again and we paid our bills. However, the scammers had reveresed several mortgage payments from XXXX through XXXX. So in early XX/XX/year> we received about {$20000.00} in our account we called USAA they said we disputed several charges, but we didn't. After further investigation, USAA XXXX said the scammers made the dusputes. Then we asked when can we pay our lenders but USAA Froz the account to investigate. By XX/XX/XXXX or XXXX we got approval to pay our bills. However on XX/XX/XXXX USAA took back provisional credits due to the disputes. Stating they were overpayment but we have documents from our lenders showing USAA had taken money from the lenders. Specifically, payments to XXXX XXXX XXXX XXXX XXXX in XXXX through XXXX totally over {$14000.00} in reversed mortgage. We had uploaded proof of the reverse payments from our lenders but the USAA agent said fraud had done all the could do and it's up to the investigation unit who deferred to customer resolution. Customer resolution deferred back to the fraud unit. It's been back and forth until XX/XX/XXXX when collections called. This is very unprofessional know one could call to resolve our issue but collections is calling to receive funds they actually owe us. We have been banking with USAA for more than XXXX  years we deserve better.
Product: Student loan

The school  that I attended has been out of business for several years. I owe so many student loans and the school promised I would get a job and they are credible but misrepresented their school on many instances. I am unable to further my education or transfer credits for this school nobody sees them as credible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Wells Fargo Account ending # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a hard working citizen of this country that is being punished for mistakes ive made when I was much younger I can not even get a decent place to rent. I have been working on my credit since last XX/XX/2018 and my score goes up to about XXXX then descends vastly overnight as soon I apply for a mortgage. How am I supposed to get a lender to approve when my score drops XXXX points overnight? This has happened to me several times recently so I'm accruing hard inquiries without being taken seriously. I need help I'm struggling my landlord is selling the home we live in and I can't purchase that property and cant even rent an apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX XXXX ) XXXX FOR {$720.00} WAS REMOVED FROM EXPERIAN ON XX/XX/21 AND WAS REINSERTED ON XX/XX/21. I NEVER RECEIVED A NOTIFICATION THAT IT WAS REINSERTED ON MY REFPORT. ACCORDING TO MY RESEARCH, BY LAW, THEY SHOULD NOTIFY ME WITHIN 5 DAYS AFTER THEY PUT IT BACK ON MY REPORT. I SENT COUPLE OF LETTERS REGARDING THAT BUT THEY NEVER RESPONDED
Product: Credit reporting or other personal consumer reports

I reached out to Lexington law credit report to fix / repair my credit and remove creditors from my credit. I paid them {$150.00} down and {$75.00} a month for almost a year. They didnt not help me!
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 and address fraud on their platform, making it very hard to contact available representatives to recover funds and prevent fraud from taking place. Furthermore, their dispute resolution process was unfair and deceptive making it impossible to resolve issue and track the culprit. They did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. The actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my account that does not belong to me that is being reported by Portfolio Recovery Services. In reviewing my credit reports there were several items that were not mine that had been opened in my name as a result of Identity Theft. I filed a complaint with the FTC when I became aware that these items were being reported. The FTC complaint is attached. 

This is the last remaining item ( currently known ) as the result of the identity theft. I am politely requesting that this be reviewed and removed as I did not open this account. 

Thank you
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 Account # TransUnionXXXX Balance Owed {$5500.00} Account # XXXX Balance Owed {$5500.00} Account # XXXX /Balance Owed {$5500.00} Account name : XXXX Account # TransUnionXXXX Balance Owed {$7900.00} Account # XXXX Balance Owed {$7900.00} Account # XXXX Balance Owed {$7900.00} Account name : XXXX Account # TransUnionXXXX Balance Owed {$0.00} Account # XXXX Balance Owed {$0.00} Account name : XXXX Account # TransUnionXXXXBalance Owed {$120.00} Account name : XXXX XXXX Account # TransUnion XXXX Balance Owed {$110.00} Account # XXXX Owed {$110.00} Account # XXXX Owed {$110.00} Account name : XXXX XXXX XXXX Account # XXXX Balance Owed {$3500.00}, 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: Debt collection

I am writing to dispute and urgently request the correction of inaccurate information on my credit report. Upon contacting the respective banks, it was confirmed that a system glitch led to the provision of incorrect details. The banks have assured me that the negative information on these accounts will be updated to reflect a positive status or marked as closed/never late. The following accounts are currently in dispute : 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXXXXXX XXXX XXXX XXXXXXXX Account, Acct. # : XXXX XXXX XXXX XXXX I sent a letter to XXXX XXXX on XX/XX/22 certified mail tracking # XXXX XXXX XXXX XXXX XXXX stating that illegal information is being reported by them on my credit report specifically, my credit utilization. In response, I received a letter from them ( attached ) stating that my request was received and in accordance to FCRA, they do not remove or change negative reporting unless it was reported in error. They further encouraged me to reach out to the credit bureaus to dispute the reporting. 

THIS IS ABSOLUTELY UNACCEPTABLE AS THE REPORTING OF CREDIT UTILIZATION IS ILLEGAL. 

Upon carefully reviewing 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), it clearly states the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As such, the reporting of any transaction or experience on my consumer credit report is ILLEGAL and forbidden by government.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking 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 things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm hoping that the following disputed accounts will be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX corporation for a pay to delete a account of of my credit and the agreed but its still on there reporting as closed payed account they said If i pay they will delete it off of my credit and send a letter of Deletion also ask eqifax delete the account on my credit report
Product: Debt collection

I previously had cellular phone service with XXXX XXXX XXXX in which I was a customer for 10 years and the problem began after I purchased a new cell phone on XX/XX/XXXX in their XXXX XXXX XXXX  store in XXXX XXXX NY. The purchase price was {$910.00} but I was given a trade in credit of {$200.00} which lowered the price to {$710.00} which were to be paid in installments on my monthly bill. I still have my original receipt verifying the purchase and trade in. When I received my first bill in XX/XX/XXXX, the price of the phone was changed to from {$710.00} to {$910.00} and subsequently remained that amount. I have contacted XXXX XXXX XXXX numerous times to try and correct it and they never did. Therefore, all of my monthly bills from XX/XX/XXXX to present have all been incorrect. I became extremely upset and frustrated with the company due to the issue not being resolved that I cancelled my service and switched to another provider in XX/XX/XXXX. I have made several attempts to have my final bill corrected but it still has not. Therefore, I am refusing to pay it until it is. Now, XXXX XXXX XXXX has sent the bill to Sequium Asset Solution Collection Agency and they put it on my Credit Reports. I want it removed from my Credit Report because I do not owe XXXX XXXX XXXX  {$910.00}. I spoke with the collection Agency on XX/XX/XXXX who offered to reduce the amount ; however, the reduction was not to my satisfaction. Then the representative made a conference call with XXXX XXXX XXXX and myself trying to get an accurate amount of my bills but could not because XXXX XXXX XXXX XXXX representative could not access my account from XX/XX/XXXX, she could only go back as far as XX/XX/XXXX.
Product: Student loan

I am co-signer on my son 's loan but I make sure the payment is made each month and all his mail comes to my house. Recently I noticed that his name on the statement has changed which tells me that Wells Fargo has also changed his name on his loans without request or permission. I tried looking back as far as I could and it appears that this happened over a year ago. Now my son 's accounts have his first name and my middle initial and my last name. My son has never had my current last name. I work for a financial institution and I know this is not in compliance. I am furious. If I ever went in and just changed someone's name on their account I would be fired. I really don't understand how something like this could even happen.