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

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 XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX : # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

When I checked my credit report, I saw that part of the information was inaccurate. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified by the three credit bureaus ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without supplying evidence within the legally mandated time range. The following incorrect information appears on my credit report ; it has to be looked into and corrected : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$400.00} XXXX XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$8200.00} XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$1600.00XXXX XXXX XXXX XXXX Balance Owed : {$690.00}
Product: Credit reporting or other personal consumer reports

I have contacted Equifax XXXX for the past few weeks and I have provided them with FTC reports, letters and provided my identity as they requested and They will not remove these inquiries. I need these removed ASAP! I did not authorize ANY of these! 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

So this is the 2nd time its been on my credit report I got in contact with the first collection agency and disputed it off of my credit report around early to mid XXXX. Then this new collection agency on XX/XX/XXXX but this back on my credit report but its reporting a lower amount. This debt does not belong to me I have asked for proof and verification with letters. But there has been no response it has been months and its still on my credit report
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

It Stared with an old XXXX XXXX XXXX I used to owned with XXXX XXXX I was doing my own investigation who has the phone on XXXX XXXX XXXX. The phone was located Somewhere in XXXX, NY and also at a near by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NY where the crime took place in XXXX. The suspect are not making any payments of the Funds {$900.00} dollars. The suspect or suspects are still using the same phone number. My photo picture is still at use as a wallpaper when making a phone calls and the name XXXX still appearing.They are not making payments back. They hold Monthly payments of XXXX, XXXX and XX/XX/XXXX, XXXX XXXX XXXX. XXXXXXXX XXXX Credit Score Report
Product: Credit reporting or other personal consumer reports

This morning, I was completely taken aback to see incorrect accounts on my credit report. I always check my report regularly, and to my surprise, there were discrepancies that hadnt been there before. I refreshed the page, hoping it was a browser issue, but the inaccuracies persisted. I need the submitted documents to be reviewed thoroughly to ensure that this kind of mistake wont happen again.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/XXXX  I was scammed out of {$800.00} in total through the Zelle app. I was attempting to sell a desktop computer through XXXX XXXX. A scammer posing as a middle-aged lady expressed interest in the computer, and led me to believe that I had to pay refundable fees so that I could upgrade to a 'business account ' in order to accept the original payment of {$1000.00}. I received several phishing emails from XXXX ' promising that my money would be returned. I am out {$800.00} dollars and have been denied help by both my bank ( XXXX ) and Zelle. I am XXXX and on SSI, and {$800.00} is more than I receive in a month. I believe I have been taken advantage of and am incredulous at the lack of support from this company.
Product: Mortgage

Ditech Financial LLC, is playing some kind of game to put me into default on my mortgage. They stopped sending me monthly billing statements back in XXXX ( see last statement, attached ) and although my name is the primary name on the mortgage, and I have written all the payment checks, they sent their default letter addressed to my wife back in XXXX. I paid the balance due plus the next months payment and included a copy of their default letter, noting on it that they were not sending billing statements ( see attachment ). I still, as of today 's date ( XXXX/XXXX/16 ), have not received a new statement from Ditech.
Product: Credit reporting or other personal consumer reports

Remove all Unrecognized, Incorrect fraudulent addresses, this is the only address I have " ( XXXX XXXX XXXX XXXX XXXX, N.Y XXXX ) '' also shown on my ID for proof There should only be one address listed on my report. I've enclosed documentation providing proof of current address to make deletion easier. Also, the Incorrect spelling of my name needs to be removed from my consumer report this is how my name is spelled " ( XXXX XXXX ) '' my name only has one correct spelling My photo ID is enclosed to show the correct spelling. 

Name XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit card or prepaid card

I have 3 visa gift cards that I received for a birthday, but never used because I moved and I thought I had lost them. I recently found them, and discovered that the balance is {$0.00}. My cards have been charged inactivity fees until there was nothing left. I have contacted the customer service number on the back and they will not help. They tell me I should have called to report the cards lost, but how could I do that if I didnt have the card numbers to give them? I ask to speak to a manager but they say there is no one available and they just redirect me to US Bank, the bank that issues the card, but they give me no number to call. When I asked for a number they said to just XXXX US Bank. What kind of customer service is this? They also said all they could do is submit a fee reversal request. I asked when I would hear back from them. They said I had to keep calling back, but they could not give me a time frame. That was 1 month ago and still they say nothing has changed and there is no place to complain to. I have read a lot of reviews for this company similar to mine. I honestly think this is a gift card scam that is just tricking people into to buying gift cards that they will never get to use. This company is tied to US Bank apparently, but when I reached out to US Bank they said they can not help. This company should be investigated for fraud.
Product: Credit reporting or other personal consumer reports

I froze my credit reports in XX/XX/XXXX with all 3 credit agencies ( TransUnion, XXXX, XXXX ) to protect myself from identity theft. I have confirmation emails and saved PIN numbers from all 3 credit agencies. In XXXX, I attempted to get a car loan, and in the process, I attempted to unfreeze my credit score with all three agencies. I had no problem unfreezing it with XXXX and XXXX. On Transunion 's web page, it would not allow me to unfreeze it. I spent hours upon hours on the phone with Transunion in XXXX to try and fix the problem. I couldn't even request a credit report from them. Supposedly, they fixed the problem. Now, in XXXX, XXXX, 3 months later, I attempted to unfreeze my credit score to get financing on a travel trailer, and Transunion STILL does not allow me to unfreeze my credit score. No problems with XXXX and XXXX, but I am denied credit because the lender uses Transunion. Transunion is in violation of the law. I have spent more time on the phone with Transunion this week trying to resolve the situation, but it still is not fixed. I have case numbers and phone records of my interactions with Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. It has been longer than 30 days and I haven't seen any updates or received any protection from the bureaus.
Product: Mortgage

On XX/XX/2018, I filed for a modification of my mortgage with Wells Fargo. On XX/XX/2018, the company I was working with received an email stating that the the said home in question had been sold, and in turn denied the modification. I then called the mortgage company to ask why they reported that the home had been sold. They stated that they had not said that to the company I was working with and had given them ( the mortgage company, Wells Fargo ) the right to speak with. They also said that they had the signed permission to speak with the company that was representing and filing my modification, from me, but had not spoken with or had any communication with anyone. 
This was not true, I have an email that was sent to the company representing me from the mortgage company ( Wells Fargo ) .The email states that the modification was denied because property has previously been sold. 
The mortgage company also knew of my being in bankruptcy, as I and my attorney had informed them, and they knew that the property in question was not sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taking advantage while several laws were being broken under the FCRA by your company. This has cause my financial injury, Defamation of character, i couldnt get a job, apply for credit. You have hurt my ability to obtain credit. Below are the list of inquiries i request to be removed. 

XXXX XXXX SERVICES XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXXank ) XXXX XXXX XXXX & amp ; XXXX Bank XXXX XXXX XXXX ( Bank ) CXXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX CAPITAL XXXX AUTO FINANCE ( Finance ) XX/XX/2021 XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX Bank ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Financial )
Product: Credit reporting or other personal consumer reports

Please see attached. I sent in personal information disputes with proof of my identity including a valid drivers license which has my current address as well as a utility bill as proof as address. I also included a Declaration of Self Representation. The bureaus responded with a stall letter. This is a violation of my consumer rights under due diligence.
Product: Bank account or service

Regions Bank of XXXX, GA has allowed my estranged husband access to my personal checking account without my authorization. They provided a receipt to him with after he made a deposit to that account. I have requested that NO ONE be allowed to access my account in ANY WAY without my authorization and was refused this, the bank stating anyone can deposit money into my account if they provide an account number. He does have the account number as I was required by law to provide it to him, but it was not to be used by him at any time. This was also discussed in a legal negotiation in which he was told this was n't permitted.
Product: Credit card

My XXXX XXXX XXXX credit card limit was decreased from {$15000.00} to {$1000.00}. There were fraudulent accounts opened on my credit report that caused my score to go down. This is not truthful to what my true creditworthiness is. I have been with the company for over 3 years now and I demand an increase back to my original {$15000.00} limit.
Product: Credit card or prepaid card

For the past four to five months, Bank of America has been discriminating against me based on my transgender status against me by refusing to unsuspend my account. I have made multiple requests, and they have refused to restore my account. As a result, I have been unable to make payments to my credit card, resulting in late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not protect my information and I was notified I was part of the information leaked.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 an international wire transfer was sent from XXXX bank in XXXX to the XXXX  XXXX XXXX XXXX XXXX. The XXXX  XXXX XXXX XXXX XXXX accepts/handles international wire transfers of behalf of USAA. When I contacted USAA to inquire about the status of the XXXX XXXX, the representative tells me there is nothing they can do and that I must contact the XXXX. 

I followed the international wire transfer instructions provided by USAA and sent this information to the sender of the XXXX  XXXX. I have contacted the sender XXXX  XXXX  and they have provided me with documentation showing the XXXX  XXXX  has been debited from XXXX and can no longer be recalled. 

I am requesting USAA contact the XXXX  XXXX XXXX  XXXX  XXXX to inquire if the wire transfer was received. USAA has refused to do this.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of your failure to comply with the relevant duties and responsibilities, specifically in relation to the negligence outlined in Section 16810 of the Civil Code.I am writing regarding incorrect items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of XXXX XXXX as it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX FS Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dept of ed. {$63000.00} Tax lien {$82000.00} First Merchant {$1800.00} Tax lien XXXX {$430.00} Tax lien {$13000.00} On several attempt I have contacted the bureau to investigate these account due to the being fraudulent account and or doesn't belong to me. I have asked that they investigate them and sen me supporting document and not just say that the account was verified as that is what happened. The felled to comply and send supporting document as I feel sas if the account may not have been investigated properly.
Product: Credit card

A week before my credit card was due I started emailing the compnay letting them know that I could not login. I went through the prompts to reset my account on the website several times. Each time, the system failed to allow me to reset my password. I sent several emails letting them know I was locked out of my account. No one responded. Instead, a week later they sent an email saying I was overdue. But I made several good faith attempts to resolve the issue before this occured. They charged me {$100.00} in fees! 

I want those fees refunded.
Product: Mortgage

I may have been late on a payment due to XXXX and issues with switching my banks but was in contact with the lender about these issues and was told it wouldn't reflect due to the pandemic and such, yet it is reporting missed and late on some credit reports
Product: Checking or savings account

XX/XX/22 The check was deposited in the amount of {$11000.00} XX/XX/22 Account was closed due to error on check where my name was put on the memo line and the source of the funds was put on the payee line XX/XX/22 submitted documents to prove funds were mine XX/XX/22 Chase bank has no record of documents being submitted XX/XX/22 resubmitted documents and was told a 1099 liking me to the funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$430.00} XXXX XXXX {$16000.00} XXXX XXXX {$27000.00} XXXX  XXXX  XXXX {$420.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX XXXX XXXX {$91.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : I was shopping for a new car in California. I looked at a few dealerships but only authorized one of them to run my credit, XXXX of XXXX XXXX. In my credit report, there are multiple inquiries from other XXXX dealerships that I did not authorize. There should only be one : XXXX of XXXX XXXX. I have not contacted the other dealerships to resolve this issue. 

XX/XX/XXXX, my husband and I were in search of a new home, as part of a residential mortgage application, I authorized XXXX to check my credit. Due to a XXXX system error, they ran my credit twice, thereby negatively affecting my credit. I did not consent to the second credit check ( nor was I asked ). There should only be one inquiry from XXXX
Product: Credit reporting or other personal consumer reports

I have an account on my credit report from Wells Fargo auto that is not my account I have never applied for it and believe this account is identity theft or some type of fraud. I have been in touch with Wells Fargo on numerous occasions to have this account updated and removed from MY credit report I have already submitted FTC report and police report to them and they refuse to remove this account from my credit report they are violating my rights and I am now forced to have to take legal action against them. The account is listed below. 
*WELLS FARGO # XXXX