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

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Product: Debt collection

The problem is XXXX. Only XXXX. I now have two collections with them and only them. I have filed at least 3 disputes with them in the last few months. They keep saying the accounts are valid despite me sending them paperwork from the companies showing I don't owe anything. I have called the companies many times and they have verified there is no account and I have paperwork which was submitted to XXXX. On the phone, XXXX told me, " it doesn't matter what I send in ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong inquiries from Wells Fargo Without my permission! 
On XX/XX/2021, I received a reminder that theres a hard inquiry added onto my credit report from Wells Fargo, but they didnt get my permission or any application from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions
Product: Credit card or prepaid card

The successful transactions occurred on XX/XX/2022. It was the second time. 
The first attempt was on XX/XX/XXXX. However they were held as pending and eventually cancelled 3 weeks later. 
I was on my phone when the transactions occurred, so I was able to transfer my remaining funds out ( for a fee, conveniently paid to cashapp ) and flag my card as compromised. The next day the managed to get 3 transactions through on the new card that hadn't even been mailed out or activated yet. 

All attempts have been transactions from XXXX stores in NY. I've never been to New York. I'm in Oregon. Including attempts and successful ones, there have been 13 transactions total ( so far ) and each set is on a new card that hasn't been activated or even removed from the envelope. 

I reported my card stolen and the next day, before I even got my new card, 3 more transactions for XXXX NY went through. These 3 transactions totaling over {$1200.00} are the ones I am disputing because I lost money. I called XXXX as suggested by Cashapp support and they can't locate the transactions and Cash App hasn't been very helpful at all. Now that the transactions aren't pending anymore I have disputed them and waiting to hear back. I filed the dispute on XXXX, XXXXThey stated I would hear back in 10 days. Nothing received. Filed again on XX/XX/XXXX. No response. Filed again on XX/XX/XXXX. 

I thought I was ok because I had a new card. Nobody had access to it. I hadn't even received it yet. I uninstalled cash app, logged out, force closed it, changed my pin. And even after doing all that, many other charges tried to go through but I had deactivated the card as soon as I requested the replacement. It has to be someone internal to cash app that's leaking info. 

This is a widespread, ongoing continuous stream of fraudulent activity that Cashapp and XXXX refuse to address and/or prevent. 
A brief internet search shows many people wit the exact same narrative. Usually at one of several XXXX stores in New York.
Product: Mortgage

This is a new complaint filed on behalf of a previously filed claim which is still unresolved. ( Case # XXXX ) In short we attempted to refinance with Wells Fargo back in XXXX of 2013. We were given a " good faith '' estimate of 45 days once we signed on and our rate was locked. Fast forward to 120 days and it still had n't been completed with no end in sight. The finishing point was repeatedly changed throughout the process and we were given false hope such as telling us the refinance would be ready to be signed and finished on a certain day. Then that day would come to pass without hearing a peep from them. In the time that was wasted by Wells Fargo we had lost 3 months of savings from our attempted refinance from their original " good faith '' estimate. In the previous complaint in their initial response Wells Fargo claimed that they did a " thorough search '' and the refinance was " appropriately handled '' and that they would look further into the matter if I provided them with additional information such as a social security number or the names of the people we worked with. I spoke with them by phone prior to their initial response and I find their claim of doing a " thorough search '' comical considering they could have asked me for the additional information before coming to their conclusion. Since I provided them with the additional information they requested it has been about 2 months. I have received I believe XXXX letters of delay and it does n't seem like they are interested in doing their due diligence on this matter. Just the same as they did with our attempted refinance.
Product: Debt collection

In XXXX of 2021 I canceled service to XXXX ( XXXX XXXX ). While canceling, we paid our balance, and was told that the account was paid off, and that we would not owe anything further. We then received a bill a few months later, and spoke with XXXX at XXXX. We explained the situation to him, and he said he would look into it, listen to the recording of the conversation, and we never heard back. 

We have now had three separate debt collection agencies contact us attempting to collect a debt that we have repeatedly been told does not exist. Each company has, in turn, researched the debt, and ceased to attempt collecting after we wrote a letter to them explaining the issue, however, we have now been contacted by a third collection agency attempting to collect on a non-existent debt, and this is beginning to feel like harassments Letters were sent to each agency through certified mail, and are attached below..
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Reporting Bureau Practices Redlining in violation of the Equal Credit Opportunity Act ( ECOA ) and Consumer Financial Protection Act ( CFPA ) Experian is reporting false, damaging, incriminating, inaccurate character assassinating information about me to possible creditors without reason as a result of this credit bureaus actions I have been unjustly denied credit opportunities, and my credit worthiness has been affected placing an undue hardship on myself and my family. The information that Experian reports to me the consumer is drastically different then what they are reporting to the potential creditors. Experian is doing this in violation of the Equal Credit Opportunity Act ( ECOA ) and Consumer Financial Protection Act ( CFPA ). Experian Consumer Reporting Agency is committing acts much like the ones presented in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , where the plaintiffs alleged that Public Data qualified as a consumer reporting agency under the FCRA because it collected, sorted, summarized, and assembled public records information into reports that third parties could purchase on its website. They alleged that the defendants practices led them to provide reports containing inaccurate criminal history information and claimed that Public Data violated the FCRA by failing to comply with various FCRA requirements, including the requirement to follow reasonable procedures to assure accuracy in the preparation of consumer reports. None of Experians duties derives from Public Datas status or conduct as a publisher or speaker but instead involve duties that the FCRA imposes on consumer reporting agencies which are specific to the function of a consumer reporting agency. I am alleging much like the Plaintiff in XXXX XXXX XXXX XXXX, the plaintiff claimed that the defendant website operator willfully violated the FCRA by allegedly publishing inaccurate personal information about him. In my case this reporting agency has continued past and present to cause great harm and damage to my livelihood. Experian Credit Report Account is disseminating information falsely and incorrect which is preventing consumer credit opportunities by XXXX Implementation. Falsely reporting Loan balance, payment amount, number of inquiries, providing false criminal history records during the consumer credit application process. 

XXXX XXXX
Product: Consumer Loan

I traded my XX/XX/XXXX KIA OPTIMA LEASE for a new XX/XX/XXXX HYBRID OPTIMAon XX/XX/XXXX. I sign all the paperwork and take the car home. Aweek later I receive a call to come in. I get pressured to sign newcontract with a higher payment due to some error. I could not leave thepremises until I signed this paperwork. I later find out it was due to KIA notFUNDING my new loan. It took KIA several months later to FUND thisloan. I put in a previous complaint against KIA and they have nowremoved these lates from my credit. This complaint is for the higherpayment that I was forced to sign for their mistake. Now that the lateshave been removed, I should be able to have the original terms offered.
Product: Credit reporting or other personal consumer reports

After checking all of my credit reports, I noticed that there are some accounts that should have never been put onto ANY of my credit files. I never gave consent for XXXX XXXX XXXX or XXXX XXXX XXXX to post my personal AND educational school history financial documents. That is a major violation of the Privacy Act of 1974, as well as, a major violation of 42 USC 408 - Penalties. 

My school loans should have never been posted to any credit file because I never gave consent and it's a major violation of THE SELECTIVE SERVICE. I REGISTERED WITH THE SELECTIVE SERVICE on XX/XX/XXXX ; SELECTIVE SERVICE # XXXX. 

I have already contacted the SELECTIVE SERVICE and I was told that my school loans should have NEVER been attached to ANY credit file bearing my name and social security number. The SELECTIVE SERVICE representative made me aware that ANY school loan was DISCHARGED because of my registration with the SELECTIVE SERVICE on XX/XX/XXXX. 

Federal School Loans are backed by the Full Faith and Credit of the United States of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 CAPITAL ONE Account Number : XX/XX/XXXXDelete this account.

there is some inaccurate information reporting.

FNCC Account Number : XX/XX/XXXXDelete this account.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT ALLY FINCL Account Number : XX/XX/XXXXDelete this account.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I've reached out to XXXX, Transunion and XXXX numerous of times informing them that I was a victim of identity theft and my information was stolen and used to open fraudulent accounts. I've also reported this to identitytheft.gov. They failed to address these issues and continued to report incorrect information. I've recently sent letters again for the 3rd time to correct this issue.
Product: Checking or savings account

I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 


In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day. 

Please send a letter stating that these issue has been resolved to : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  a is reporting XXXX XXXX and XXXX XXXX as open and in collection on my credit report. This information is not correct because they was included in my bankruptcy. I have called several times and I do t get any results. The people that answere the phones can’t understand English. They say they have disputed it but when I call back within 39 days they have no record of my disputes.
Product: Checking or savings account

I started getting unemployment threw bank of America and my money was stolen out out my account I reported it filed a claim and reported to fraud bank of America was canceling my bank card and was sending cards out to someone else I reported this to them and they didt do nothing about it they continued sending them out and who ever it was took all my unemployment out of the bank I have been trying to get this problem yaken care of but bank of America keeps denieng my claims and will not investigate what happen and I never got my XXXX
Product: Credit card or prepaid card

On XXXX XXXX, a charge of {$76.00} by the vendor XXXX for an item. On XXXX XXXX, I was informed by XXXX that the item could not sold, and so did a refund. The card issuer Capital One has not posted a refund, something that should have been done in a timely manner.
Product: Debt collection

On XXXX/XXXX/XXXX, I sent a letter to this collection agency by the name of XXXX XXXX. I requested information on a debt in the amount of XXXX that is on my credit report and have no knowledge. I requested an identity theft or fraud packet to fill out and send it to them to investigate who opened this account in my name on XXXX of XXXX. Today is XXXX/XXXX/XXXX and this collection agency has not replied back to me.
Product: Debt collection

To whom it may concern. 
Please be advised that I have requested validation of an item reported to you by the above original creditor collection agency. I have received a response that it is in violation of my rights according to HIPPA. 
XXXX XXXX XXXX  did not provide me a HIPPA signed release letter that releases my medical information to them, therefore by providing such information, they are in violation of my HIPPA rights. I am proceeding immediately with legal actions as prescribed by the law against XXXX XXXX XXXX should the item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against any company reporting this illegal report. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage you to delete the above collection with urgency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # 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 a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit card or prepaid card

i have had my personal information stolen and multiple accounts were open under my name and those accounts have defaulted cause they were not mine and with my credit being stolen it has created the issue with not being able to buy a house
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Commenity Bank XXXX XXXX XXXX XXXX for billing errors in connection with identity theft that occurred on XX/XX/2022. As a consumer, I am protected by several laws including the Fair Credit Billing Act ( FCBA ) ( 15 U.S.C. 1666 et seq. ), the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), and the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 et seq. ) and I believe that these laws have been violated in my case. 
On XX/XX/2022, I discovered unauthorized charges on my credit card statement issued by Commenity Bank XXXX XXXX XXXX XXXX. Upon further investigation, I realized that my personal information had been compromised and used to make these fraudulent charges. 
As per the FCBA, I have the right to dispute any inaccurate or incomplete information on my credit card statement within 60 days of the statement being sent to me and the bank must correct or explain the errors within XXXX billing cycles. I have notified Commenity Bank of these unauthorized charges and requested that they be removed from my account, but I have yet to receive a response or resolution. 
I would like to add that the unauthorized charges on my credit card statement not only caused me financial harm, but also resulted in a great deal of stress and inconvenience. I have had to spend countless hours on the phone trying to resolve this issue with Commenity Bank, and I have yet to receive a satisfactory resolution. 
Additionally, the FCRA requires that credit reporting agencies, such as Commenity Bank, take reasonable steps to ensure the maximum possible accuracy of the information in my credit report and notify me if any adverse action taken based on my credit report and investigate any disputed information and correct it if it is found to be inaccurate. As the unauthorized charges on my credit card statement have also been reported to the credit reporting agencies, I believe that Commenity Bank has not fulfilled these requirements. 
I also want to bring to your attention that my XXXX XXXX has been negatively impacted by these unauthorized charges, which has caused me to be denied credit and other financial opportunities. This is a direct violation of my rights under the FCRA, as I have the right to accurate and complete information in my credit report. 
Furthermore, XXXX prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age or because you get public assistance.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX for XXXX title loan car not paid off This Company ( XXXX ) calls us 7 days a week for XXXXto XXXXXXXXat night blowing up our cell phones an this person will not stop this is in violation of the Roth act in California. There is no doubt we owe the money. 

But bugging us with phone calls will not get the money any sooner.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In spite of my requesting an investigation into this account there are still multiple inaccuracies reporting on my account and it's keeping me from obtaining a mortgage as per my mortgage lenders investigation in to my credit worthiness. I wont be approved due to this inaccurate information on my credit report. Why won't you investigate and save me from this pain???? XXXX XXXX  XXXX  Equifax Acct # XXXX XXXX Date Last Active : Incorrect Date of Last Payment : Incorrect The name of the creditor is truncated and makes absolutely no sense. The account number is truncated so, I have no idea what the account number really is. The date of first delinquency is incorrect The payment history is extremely incorrect There was no notice of previous dispute There are so many things reporting incorrectly that there is no way that you could have done an investigation.