23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I am writing to respond to your recent letter and to further investigate this matter. Upon reviewing the documents you provided, I am convinced that this is a clear case of identity theft. I can categorically state that : - I never owned the vehicle in question - I never registered the vehicle under my name- I never resided in the city mentioned To support my claim, I have attached my identity theft report. 

Furthermore, I have been disappointed with the unprofessional and rude manner in which your team has handled this matter. I expect a higher level of service and respect, particularly when dealing with sensitive and stressful issues like identity theft. 

Please investigate this matter further and take immediate action to correct my credit report and remove any associated fraudulent activity. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

In acordance with the fair credit reporting act XXXX account # XXXX has violed my rihhts. 

15 u.sc 1681 section 602 A. States I have the right to privacy.

15. U.S.C section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

on XX/XX/2021 A check from XXXX XXXX was sent to me front and back via email by a professor of my University ( XXXX XXXX University ) I am an XXXX  XXXX who lives in Florida I had completed 2  tasks about data collecting for this professor prior to having any exchange money/cards ( which took 7 hours each ). 
He sent me this check for {$1900.00} to pay me for 4 prepaid Visa cards ( I was asked at separate times to purchase each one ). This check was to reimburse me for 3x {$500.00} cards and a single {$250.00} card. These cards were to be used to buy products in the future that we were collecting information about. The remaining balance was to pay my for me services so far and I was told I would be receiving another reimbursement check days later. 
I received an email after several weeks of communication with this 'professor ' and I was alerted by a cybercrime mass email of traditional scammers happening. I realized I fit the description and found out I was being scammed and the professor was not the professor I thought. 
I was to take pictures of the front and back of each card and email them back. 
I was told to print the {$1900.00} XXXX check out, cut and sign, and mobile deposit. I did as I was told and used this check as a mobile deposit into my Wells Fargo account. 
I deposited this on XX/XX/2021 Saturday. The money was recognized in my account on XX/XX/2021 and I used a portion for the costs on XX/XX/2021. On XX/XX/2021 the check had been returned out of my account and on XX/XX/2021 was deemed fictiosus. 
My account is now over drafted and I can make the XXXX balance because I have no funds to use and I had funds to lose, to begin with. 
I do not agree with being able to access the funds and then have the funds be stripped from my account a whole day later. 
I have filed a police report case number XXXX filed FTC report XXXX Here is my report number to WellsFargo for Online Services via Fraud XXXX Wells Fargo internal services followed up with me today via phone and basically told me I should not have spent the money because it didn't look like a check. AND IT DOES. I have the check if I can send it to you. 
I do not see how this can be in my account and accessible DAYS after I deposited it and still take the money out. 
I am hoping I am reaching every corner I can with this case. 
I am a struggling college XXXX and am emotionally, mentally, and of course, financially devastated by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

the car was taken away because of limit information when purchase from the dealer
Product: Credit card

I found a fraud charge on my capital one card. I called the bank the they ruled it was valid because my chip was supposedly used. This was allegedly at a beauty or health spa at XXXX at night. I have no knowledge of any spa open that late let alone that I would drive to XXXX, CA for. I asked them if they called the number that was illegitimate or looked up the address or anything else to confirm this company is real. They confirmed they did not. They refused to issue a chargeback. This charge is fraudulent and they just told me there is no reason for them to attempt to contact the business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has no validate account, they keep sending a letter head of doctor office but placing there information in the itemized statement, i have asked for a signed document with my signature and debt assumed to be agreed. the have yet sent any such documents. an itemized statement is not validation. 

at the end of this investigation will determine if i file civil suite against EQUIFAX AND XXXX XXXX for report unvalidate debt to my credit report in order to damage my credit. both have been asked to verify and validate debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize, nor consent to any of these inquiries to be taken out in my name. All is being investigated by the FTC. Pursuant to the FCRA 15 USC 1692c-2 ( a ) you have 4 business days to block information. I have supplied my identity theft report, ID, statement, and proof of identity. A police report is not needed under this subchapter. Also pursuant to FCRA 15 USC 1681c-2 ( b ) ( c ) you have the authority to decline or rescind but the information I sent was not blocked in error so the information can't be blocked.
Product: Checking or savings account

Someone ( not me ) opened account XXXX at XXXX on XXXX. Moved {$990000.00} and {$4500.00} ( below critical limit ) through the account and closed it XXXX ( less than a full month ). 
Clearly a Money Laundering scheme with my credentials. On XXXX, they sent a note saying they missed sending my closing balance sheet, which was how I was tipped off. 
I want to know what PII info was used to open the account. I may then ask for a copy of the materials used, once I know, to figure out my exposure. 
Though they can already send me mail to my home address, they will not investigate for me now, without providing all my personal information ( e.g. Passport, current phone bill ).
Product: Money transfer, virtual currency, or money service

A buyer contacted a seller requesting to buy the item and pay using Zelle. They asked for my email address to send the payment. But the buyer did not send payment. 

Instead, the buyer sent a fake email to me that appeared to be from Zelle. The email alleged that the buyer paid using a Zelle business account and that I must also upgrade to a Zelle business account to receive payment for a fee of a few hundred dollars. 

The buyer then contacted me directly, claiming that they received the same email from Zelle and then sent me enough money to cover the purchase and the upgrade fee. Then they asked to be reimbursed for the upgrade fee. They provided fake screen captures and documentation as proof of payment to get me to send the refund and explained that my funds would be pending and thats why i wouldnt get a receipt of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a certified validation letter to Lexis Nexis asking them to validate a bankruptcy listing. They responded with a full report under my name that had a bankruptcy listing with inaccurate information. I also sent in the certified mail proof from the alleged bankruptcy court that they do not validate and or communicate directly with any third parties. It appears Lexis Nexis ignored that information. If you look at the attachment which is a copy of what they sent me in regards to the bankruptcy listing they DO NOT have a File Date just some random number which is repeated under the LAST DATE SEEN. They also do not have a DISPOSED/DISCHARGED DATE which would be needed if they were going to send this information to the bureaus and report anything that could potentially negatively impact a consumer financial well being. The information that they have does not match what the bureaus are reporting so how is that the bureaus got their information from Lexis Nexis? To add to this, Lexis Nexis HAS THE BANKRUPTCY LISTED TWICE! This is absolutely ERRONEOUS AND UNFAIR CREDIT REPORTING! They have given my information or to Equifax while their is a SECURITY FREEZE ON MY ACCOUNT because I have been so afraid of a family member putting things in my name. I have so much proof on Lexis Nexis. Please see the attachments. This must be removed IMMEDIATELY!
Product: Checking or savings account

On the date of XX/XX/21, unknown person unauthorized online wire transfer the amount of {$28000.00} from both my checking and saving account into different account and able to withdrawn the money without being notified by text, email or phone call to confirm the transaction.After realizing what had happened l reported the incident to the Citibank and was told to wait for investigation till 60 days.After 2 and half months ( 76 days ) they are not telling me anything, l even spoke to the investigator several times and she doesnt know whats going on with the case.The case number is XXXX
Product: Credit reporting or other personal consumer reports

TRANS UNION IS REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. INCLUDED IS MY ID AND SOCIAL WITH MY CURRENT ADDRESS. 

Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must operate with fairness, impartiality, and respect for consumer privacy. TRANS UNION fall under this category, and I, as the consumer, have the right to ensure the protection of my private information, as supported by 15 USC 6801.

It is explicitly stated in 15 USC 6801 that financial institutions are obligated to uphold the privacy and confidentiality of their customers ' nonpublic personal information. Any entity furnishing information to credit agencies, by definition, is considered a financial institution under this title. Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) specifies that consumer reporting agencies can only furnish consumer reports with the explicit written consent of the consumer involved. TRANS UNION, and the furnisher of information to credit agencies lack my consent, verbal, non-verbal, written, implied, or otherwise, to furnish my information.

According to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing an explanation of how the consumer can exercise their nondisclosure option. However, the furnisher of information to credit agencies failed to inform me of my right to exercise this option.

Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization, which includes information antedating the report by more than seven years. Yet, this accounts they are reporting is adverse and without my permission, which is a violation of the law.

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) mandates that no person shall furnish inaccurate information to consumer reporting agencies. XXXX and XXXX are also required by 15 U.S. Code 1681e to maintain reasonable procedures to prevent violations of FCRA and to limit the furnishing of consumer reports to specified purposes, which they are not doing.

Finally, as per 12 CFR 1016.7, I retain the right to opt out of reporting services at any time. Therefore, I am formally opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical Data Systems Inc. sent a letter saying that the accounts on my credit report would be removed but they have not told the credit bureau anything. Instead, they have added two addition account to my reports. The credit account numbers are XXXX and XXXX.
Product: Mortgage

ON XX/XX/22 I APPLIED FOR A MORTGAGE WITH AMERIS BANK. TO BUILD I SPOKE WITH THE AGENT XXXX XXXX. I COMPLETED THE APPLICATION ONLINE AND WAS SENT A PRE APPROVAL LETTER. DURING THE CALL WHEN I GAVE HER MY INFORMATION. SHE ASKED ABOUT MY INCOME AND NUMBER OF PEOPLE IN MY HOUSEHOLD. I ADVISED HER AND ASKED HER ABOUT A PROGRAM FOR DOWN PAYMENT ASSISTANCE IN XXXX XXXX THE XXXX ADVANTAGE. SHE ADVISED ME I DIDN'T QUALIFY FOR IT DO TO MY INCOME. I CLARIFIED THE GUIDELINES SHE AGREED THAT I DID QUALIFY BY INCOME BUT THE PROGRAM WAS CLOSED. I READ ON THE XXXX  XXXX XXXX THAT THE PROGRAM WAS STILL OPEN AND CALLED XXXX XXXX TO VERIFY THAT IT WAS STILL OPEN AND I HAD TO HAVE AN APPROVED BROKER WHICH I DID AND THEY WOULD HAVE ACCESS TO THE PROGRAM. 

THE HOME THAT WE ORIGINALLY PREQUALIFIED FOR WAS NOT AS EXPECTED. HOWEVER, ON XXXX XX/XX/XXXX. I FOUND ANOTHER PROPERTY AND WAS RURAL USDA QUALIFIED. I WANTED TO PUT AN OFFER IN AND CALLED XXXX LEFT HER THE DETAILS ON THE PROPERTY ADDRESS ETC. AND ASKED HER ABOUT THE USDA LOAN. 

ON XX/XX/XXXX XXXX SENT A TEXT MESSAGE STATING FHA IS ONLY OPTION DUE TO FORECLOSURE. AND HOW MUCH IS MY HUSBANDS INCOME. 

I ADVISED HER MY " HUSBAND '' WOULD NOT BE ON THE LOAN AND MOST LIKELY WONT BE RESIDING IN THE HOME. ALSO IM THINKING WHERE DID SHE GET THAT I HAVE A HUSBAND FROM. AS I NEVER MENTIONED TO HER ABOUT ME BEING MARRIED HIS INCOME WAS NEVER A QUESTION. 

SHE AGAIN STATED THAT HE WONT RESIDE THERE AND IT DIDNT MATTER. THIS IS 3 DAYS AFTER THE CALL. AND SHE STATES WITH HIS INCOME I WONT QUALIFY FOR THE USDA. 

I THEN RECEIVED A CALL FROM XXXX XXXX XXXX XXXX XXXX THAT HE SPOKE WITH XXXX AND SHE TOLD HIM I COULDN'T AFFORD A NEW BUILD AND HE DIDN'T WANT US TO WASTE HIS TIME. ( I SPOKE WITH XXXX ON 2 OCCASIONS BEFORE ONE WAS EARLY IN THE YEAR AROUND XXXX AND THEN AS OF XXXX OF THIS YEAR HE BEGAN CALLING AND EMAILING TO INQUIRE IF I WAS STILL INTERESTED IN BUILDING. I SPOKE WITH HIM AND ASKED HIM ABOUT LAND AND BUILDING HE ASKED HAD I STARTED THE PREQUAL PROCESS AND HE ASKED WHICH BANK I ADVISED HIM XXXX. ) XXXX XXXX OR XXXX XXXX DID NOT ASK FOR MY CONSENT TO DISCUSS MY FINANCES. ) THE EMAIL WITH MY PRE-QUALIFICATION LETTER SAID THAT IT WAS CONFIDENTIAL AND INTENDED SOLELY FOR MY USE. I DID NOT PROVIDE MY XXXX THE LETTER OR XXXX XXXX ANY INFORMATION TO RELEASE MY INFO TO XXXX XXXX. BOTH PROPERTIES I ASKED HER ABOUT WERE NOT NEW CONSTRUCTION SO SHE HAD NO REASON TO DISCLOSE MY INFORMATION TO HIM. 

I FEEL THERE ARE MANY VIOLATIONS WITH THIS INTERACTION. FIRST I DID NOT GIVE XXXX PERMISSION TO DISCLOSE MY INFORMATION TO ANYONE.MY PRIVACY WAS BREACHED. WHEN SHE ASKED WHO REFERRED ME I ADVISED HER HOW I GOT HER INFORMATION FROM THE XXXX XXXX AND USDA WEBSITES. SHE ALSO WAS NOT TRUTHFUL ABOUT THE DOWNPAYMENT ASSISTANCE PROGRAMS AND I FEEL AS THOUGH SHE DISCRIMINATED AGAINST ME FOR ASKING ABOUT THE ASSISTANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX collection bureau of XXXX XXXX, 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
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Experian- XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 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 and other adverse item of information, other than records of conviction 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I sent a money transfer to one of my XXXX  in XXXX, XXXX. 
The transaction was made on XX/XX/2020. 
Due to the Pandemic and the laws in that Country, the person to whom the transaction was made to, XXXX XXXX XXXX XXXX, he was not able to leave the premises where he lives due to the Pandemic and the Corona Virus 19. 
He was allowed to leave after the laws were less restricted and he went to pick up the money sent on XX/XX/XXXX but was told by the company there that something was wrong with the transaction. He then called me to ask me why and what was going on. I called the company here : XOOM, ( a XXXX   company ) and I was told that the money transfer was cancelled due to the fact that the person did not show up early enough to pick up the money. I requested from XOOM to resend the money transfer again but they refused to do so, reasons? I do not know. I have letter that show evidence of my claims to XOOM but they declined to help and shut me up telling me that nothing they could do. All I was asking was to RESEND the transfer the same way it was when first sent on XX/XX/XXXX, but they refused. I told them that I shall file a legal complain but they never answered me back. What do you suggest I would do? This Company feels they are " almighty '' and refuse to resend it. 
Thanks for your kind attention to my request. 
Sincerely, XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX FCU XXXX Balance : {$0.00}
Product: Debt collection

Main resolution mediation continues to call my minor children 's phones and my phone threatening to arrest me etc for a debt. They won't verify the debt and when I call to ask, they hang up on me. They are leaving voicemails on my kids and families phones with my personal info and threatening to come to my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX Fl pulled my credit without my permission, on XX/XX/2021 Capital One Bank XXXX Va pulled my credit without my permission, on XX/XX/2021 XXXX XXXX XXXX XXXX, SC pulled my credit without my permission and I want them to removed these off my credit report on XXXX Sincerely XXXX XXXX XXXX Fl
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the protected Consumer. I have the right to privacy and making sure that my private information isn't shared Pursuant 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. '' SELF / XXXX XXXX is a financial institution by definition under that title. Per 15 USC 1681 section 604 ( a ) section 2 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. '' SELF / XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and to date they have never received my written consent either!. Any and all consent to XXXX, XXXX, XXXX, and SELF / XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' SELF XXXX XXXX XXXX has Never informed me of my right to exercise my nondisclosure option. Also Per, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 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, XXXX and XXXX are not maintaining reasonable procedures. Also Per 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions