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

I am submitting this complaint to address the failure of the credit reporting agencies Experian, XXXX, and XXXX to remove a fraudulent account from my credit report, despite providing substantial evidence of identity theft. 

Background : Fraudulent Account Information : Account Holder : XXXX XXXX Fraudulent Account : XXXX XXXX XXXX, Account Number : XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Total Fraudulent Amount : {$2500.00} FTC Report Number : XXXX Dispute History : I have been disputing the aforementioned XXXX  XXXX XXXX account on my credit report for several years. 
Experian has consistently refused to remove a fraudulent address ( XXXX XXXX XXXX XXXX ), claiming it is associated with the disputed XXXX  XXXX XXXX account. 
Explanation and Discovery : Upon investigating the fraudulent account and associated address, I made the following critical discovery : The address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX is linked to a company named Consumer Direct. I have never resided at, visited, or had any dealings with this address or the company. 
The association of this address with XXXX XXXX  XXXX XXXX account clearly indicates fraudulent activity. It suggests that someone within or connected to XXXX XXXX has been using my personal information to open fraudulent accounts. 
This discovery was crucial in understanding the scope of the identity theft. It reveals a potential organized effort to use stolen identities for fraudulent financial activities, which may involve multiple individuals or entities with access to sensitive information. 
Evidence Provided : FTC Identity Theft Report : I have submitted an official identity theft report to the Federal Trade Commission ( FTC ), detailing the fraudulent activity. 
Experian Screenshot : A screenshot from Experian demonstrates the fraudulent address association with XXXX  XXXX XXXX. 
Requested Action : I request the removal of the fraudulent Bank XXXX XXXX account and the associated address from my credit reports with Experian, XXXX, and XXXX. 
Despite my repeated requests and the provision of supporting documentation, the credit agencies have failed to take appropriate action. 

Conclusion : This is a critical matter that has significantly impacted my credit standing. The discovery of the link to XXXX XXXX underscores the severity and complexity of the identity theft. 

Supporting Documents : A copy of my FTC Identity Theft Report A screenshot from Experian showing the fraudulent address association Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I'VE ATTACHED AN FTC REPORT FOR FRAUDULENT ACTIVITY ON MY CREDIT REPORT. I HAVE A TON OF INQUIRIES- TOO MANY TO LIST REPORTING AND I DID NOT AUTHORIZE ANY OF THESE AGENCIES LISTED IN MY FTC STATEMENT TO RUN MY CREDIT AND NEED THEM DELETED ASAP. I ALSO HAVE ACCOUNTS FROM AFFIRM REPORTING ON MY CREDIT AS WELL.
Product: Mortgage

Our mortgage was sold to LakeviewXXXX in XXXX, and since then, their handling of our account has been completely unacceptable and possibly illegal. We have been given conflicting information about how much we owe, and the balance they claim does not match what is shown in our online account. Every time we call, we are forced to speak with a different representative who has no knowledge of our previous conversations, requiring us to explain the situation over and over again. 

Even worse, LakeviewXXXX has repeatedly misrepresented our account status and how they process payments. They withdrew money from our bank account but did not apply it to our mortgage. Despite taking the funds, they falsely claimed that we had insufficient fundsessentially taking our money without crediting our loan. This is deceptive, dishonest, and could be a violation of federal banking regulations. 

Their practices are causing financial and emotional stress, and their inability to properly manage our account raises serious concerns about their compliance with mortgage servicing laws.
Product: Credit reporting or other personal consumer reports

I did not recognize any of the following inquiries and did not authorize them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Money was moved from my account to someone else 's account without my permission and I was also unenrolled from a feature called my mypay and I have made them aware of everything and I also have XXXX but that does not give anyone the right take advantage of my money or my account Chime has forced me to pay back a loan I did not make so they embezzled my money and refuse to give me my money back that was stolen from me without my permission and I also made them aware that they was putting me in hard way by asking me to make a police report because I've already been hospitalized once an they still have not given my money back even with what they asked for was given to them they wait for the last minute to to refuse the r2quest
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : DEBT XXXX  XXXX  opened XX/XX/XXXX for {$630.00}, XXXX XXXX XXXX  opened XX/XX/XXXX for {$930.00}, XXXX XXXX XXXX opened XX/XX/XXXX for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX I am contacting you because my credit report is reporting inaccurate and fraudulent credit inquiries on my credit report and I want them removed at once because they are fraudulent and do not belong to me. Here is a list of the fraudulent items that I would like removed because they are fraud and do not belong to me and were not authorized credit inquiries Inquiry details XXXX/XXXX Inquiry from XX/XX/XXXX - Department & Variety Stores This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX/XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX/XXXX   Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/XXXX  XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXXXXXX  XXXX Inquiry from XX/XX/XXXX + XXXX XXXXXXXX  XXXX Inquiry from XX/XX/XXXX + XXXX XXXXXXXX   XXXX Inquiry from XX/XX/XXXX + XXXX XXXXXXXX XXXX XXXX please remove all listed inquiries because they don't belong to me and are fraudulent and I want them removed off my credit report. Also {$2700.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$730.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX are also fraudulent and do not belong to me and I want them removed off my credit report at once because I am a victim of identity theft theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Credit card Balance - Date Opened XX/XX/XXXX Dispute XXXX XXXX Potentially Negative Status Transferred, closed. 
Account Type Education Balance - Date Opened XX/XX/XXXX Dispute XXXX  XXXX  XXXX  XXXX  XXXX Potentially Negative Status Open. 
Account Type FHA Mortgage Balance {$110000.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed XXXX  XXXX as you can see in the attachments which Bank of America BOA accounts are listed in Discharge of Debtor. 
XXXX served Bank of America XXXX XXXX XXXX, XXXX, DE XXXX by first class XX/XX/XXXX. 
XXXX served Bank of America XXXX XXXX XXXX, XXXX, DE XXXX by first class XX/XX/XXXX. 
XXXX served Bank of America XXXX XXXX XXXX, XXXX, DE XXXX by first class XX/XX/XXXX. 

The Bank of America Corporation ignore the XXXX notices of DISCHARGE OF DEBTOR The of BANK OF AMERICA Attorney is XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ) XXXX ) Phone : XXXX XXXX XXXX ALSO IGNORED this DISCHARGE OF DEBTOR notices. 
I have spoken to a Representative about this matter today XX/XX/XXXX XXXX XXXX They are giving me a run around on hold on the phone for more than 30 minutes or so then hang it up. I went to the Bank of America in two locations the responsible person wasn't found. On XX/XX/XXXX, around XXXX XXXX My Court Atty Commission appointee and I spoke to the Bank of America collection department as suggested by XXXX XXXX they can't find any account that belongs to XXXX XXXX XXXX. 
I want Bank of America Corporation to remove this default judgment on my name and honors the Discharge debtor letter to remove the default judgment from XXXX XXXX XXXX 's Name and order the XXXX XXXX XXXX to release the Escrow of {$34000.00} XXXX I was a co-owner of a home that I bought with a partner in XX/XX/XXXX. That friend wants out of the deal the Court ordered a forced sale and it was sold on XX/XX/XXXX. 
In the title, a search showed up a judgment that they claimed that the same person as me. Please see the Default Judgement attached. I wasnt aware of the case, I never got any notice the address on the form is commercial I never live there. Because of this record, the XXXX XXXX XXXX is escrowed {$34000.00} of my house proceeds. 

Judgment to Escrow XXXX XXXX XXXX This default judgment is wrong. I wasnt given the chance to defend myself, the attorney did not send me a notice because this person is not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The disputed item was initially disputed on XX/XX/23 and denied. I spent months working with Wells Fargo to investigate this hard inquiry, as I knew it was not mine. I have never had or applied for any Wells Fargo account. Eventually, Wells Fargo determined the hard inquiry that is on my report was due to a fraudulent credit application that used my information. After that investigation, Wells Fargo issued me 2 letters, dated XX/XX/23 and XX/XX/23, respectively. The first letter stated that Wells Fargo is sending the update to the credit bureaus to remove the hard inquiry and that should take 4-6 weeks. The second letter specified that an investigation determined the application was fraudulent and reiterated that updated information to remove the hard inquiry from my report was being sent to the credit bureaus and it may take 60 days to complete. When I pulled my XXXX credit report on XX/XX/23 and still saw the hard inquiry from Wells Fargo, almost 8 weeks after the 1st letter was sent, I filed a dispute to have this hard inquiry removed again, this time armed with the letters that Wells Fargo provided to me. I spent 1.5 hours with Wells Fargo attempting to verify whether XXXX reached out to them to verify the accuracy as they state in the dispute denial. I was transferred 5 times and no one could even determine who handles disputes. The last person I spoke to, I'm not sure what position or dept she was in because she mumbled so much, but she kept reiterating that the letter says it could take up to 60 days. Yes, one letter indicated it could take up to 60 days and the other letter, also from Wells Fargo, indicated it could take 4-6 weeks. I disputed this information almost 8 weeks after the letter indicating 4-6 weeks and 55 days after the letter that indicated up to 60 days. I said I needed to know explicitly if XXXX contacted Wells Fargo to verify this information in the less than 24 hours the dispute was open because if they did dispute it and Wells Fargo denied the accuracy of my dispute simply based on the fact a full 60 days had not yet passed, even though they themselves deemed it fraudulent activity to be removed, then Wells Fargo is not abiding by the FCRA. However, if XXXX is stating they reached out to Wells Fargo and did not and decided to close the dispute without investigation, then THEY are not abiding by the FCRA. Whether Wells Fargo was refusing to provide me with this information or simply could not, I do not know, so since I can not tell which company did not abide by the law under the FCRA and the duty to fully investigate all claims and remove all inaccurate information upon notification by the consumer that it is inaccurate, then I have to file complaints against both and let the agencies sort this out. Either way, SOMEONE did not do their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry # 1 : XXXX Inquiry from XX/XX/XXXX - I moved into a new apartment but I specifically told them not to do a hard inquiry on my account as I instead paid a deposit and gave automatic payment banking information which they said would be enough to avoid receiving an inquiry.

Inquiry # 2 XXXX Inquiry fromXX/XX/XXXX - I do not recognize this and I was not doing any kind of activities at the time to warrant a hard inquiry.

Inquiry # 3 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it.

Inquiry # 4 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it.

Inquiry # 5 XXXX  Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it.
Product: Payday loan, title loan, personal loan, or advance loan

I received a XXXX loan from One Main Financial, they had me sign up with other option, Insurance, if I cant pay that insurance will cover me till i can get back on my feet and start working. When I ask about it, they said I did not qualify to use it because i did not fall under thguide line. The end up repo my car because it was a title loan and my car is not worth XXXX, my car was a XXXX XXXX XXXX truck, XXXX mile on it. So when they sold it, my truck was only worth XXXX, and I received a letter stating i owe XXXX still
Product: Debt collection

We are getting repeated calls, about every other day, from Diversified Consultants, a Florida debt collection agency, using shadow numbers with XXXX XXXX XXXX CA origin. They do not leave messages, but just keep calling. One call was late at night. We do not have any debts and this is obviously a scam, but no amount of call blocking seems to be effective, as they just use another shadow number all of which come up as " Unknown '' on caller ID, with a XXXX area code.
Product: Mortgage

Started XX/XX/XXXX trying to do a modification of the loan. They asked for paperwork which we sent several times because they kept telling they did n't get it and also kept asking for more paperwork. We did this at least 6 times. This went on through XX/XX/XXXX. We kept calling them each to make sure they received the documentation over and over. We never heard from them after XXXX through XX/XX/XXXX. When we finally heard from them again XX/XX/XXXX, they told us we were now in Foreclosure. We have done everything in our power to get this resolved with no help from anyone at Wells Fargo. No one ever returns our phone calls. When my wife finally talked to a representative ( her name is XXXX XXXX - phone # XXXX ) she told my wife that we would have to liquidate ... she did n't explain what that meant or anything. She just hung up. 
I also do not believe the appraiser did an accurate job on the appraisal. There is a basement and I do n't believe he included any of that square footage. 
I have now have a full time job and am no longer self employed. I am working 7 days a week and working lots of overtime to get this remedied. We do not want to lose our home and we are doing everything necessary to keep it. Thank you so much for your time.
Product: Checking or savings account

XX/XX/XXXX XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX and XXXX XX/XX/XXXX and XXXX. I had direct deposits on avg of {$1000.00} dollars and every week my account occurred overdraft fees. I have spoken to a representative in XXXX of XXXX the problem resolved but since XXXX of XXXX they have consistently re-ordered my debit payment and ACH payments to cause undue overdrafts on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have noticed the following fraudulent accounts on my credit files : XXXX - Opened XX/XX/XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX  - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXXs - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Furthermore, I am allowed under the HIPPA LAW ( Health Insurance Portability Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I have never given permission to the above named companies for them to release or be provided my medical information or for them to release or provide my medical information to a third party. I understand that HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization which I have never provided, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide a breakdown of fees including any/all collection costs and medical charges you were provided to validate this debt. 
-Please provide a copy of my signature with the provider of service to release my medical information to the company reporting to you that you were provided to validate this debt -Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to me via mail, and accept this complaint as my 5th formal notice of my identity theft and debt validation request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt to validate it. According to the FCRA all debt must be validated prior to posting or any company paying for your reporting services can fax, mail, or email fraudulent debt. 

Furthermore, any reporting of this debt by you prior to allowing me to validate it is violation of the FCRA which allows me to seek damages from a collection agent. 

Due to these accounts being a result of Fraud under the FCRA you are required to remove adn block these accounts within four business days from receipt of this complaint.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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 XXXX, XXXX and XXXX are 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 JPMorgan Chase & Co is a financial institution by definition under that title. 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. '' JPMorgan Chase & Co the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, XXXX, JPMorgan Chase & Co whether it be verbal, non-verbal, written, implied or otherwise is revoked. 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. '' JPMorgan Chase & Co Never informed me of my right to exercise my nondisclosure option. Not only that 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 again 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, XXXX and XXXX are not maintaining reasonable procedures. Also 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.