23daVinci/CFPB_Complaints huggingface dataset:
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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no
consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

EXPERIAN, I'D SUGGEST YOU READ THIS ENTIRE COMPLAINT BEFORE RESPNDING WITH THE SAME COPY AND PASTE REPLY YOU GIVE TO EVERYONE. THE NEXT CONTACT WILL BE FROM AN ATTORNEY. 

CFPB I'M HEREBY REQUESTING YOUR AGENCY GET INVOLVED. EXPERIAN CONTINUES TO DENY CLAIMS OR COME UP WITH NEW REASONS TO DENY. XXXX AND XXXX HAS UPDATED MY REPORT WITHOUT ANY ISSUES BASED ON THE INFORMATION I PROVIDED. 

On XX/XX/2024 Experian was delivered an IDENTITY THEFT packet. In this packet it included the following : Statement on identity theft drivers license social security card bank statement to prove address FTC Identity Theft Report Detailed list of which items was identity theft Detailed list of which addresses was not mine Detailed list of different names showing that were not mine Detailed list of different social security numbers that showed on report, that wasn't mine Since the very beginning of this process with Experian, they have continued to deny the request, when called on the phone was spoken to very unprofessionally, hung up on etc. Every few days I get a new email making other false claims of items missing. 

There is the email sent to me today : _____________________________________________________________________ We received a copy of your identity theft report and notification that you are a victim of identity theft. However, we do not know which items on your credit report are the result of identity theft. Please indicate the specific items on your personal credit report that appeared as a result of the fraudulent activity, and include the information listed below : Account name ( s ) Account numbers The dates of the fraudulent activity One copy of a government issued identification card, such as a drivers license, state ID card, etc. 
One copy of a utility bill, bank or insurance statement, etc.

Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years _____________________________________________________________________ On the FTC Identity Theft report is CLEARLY states which items are IDENTITY THEFT! XXXX and XXXX had no problem whatsoever with reading the document, and this is just prime example of Experian violating the law as CFPB has fined them several times before.
Product: Money transfer, virtual currency, or money service

I was scammed out of {$900.00} on XX/XX/2023. It was two transactions of {$450.00}. I have requested copies of information that Citibank used to do the investigation and they have not provided me with any. They have sent me a letter that does not pertain to anything that I have requested from them. I contacted citibank on XX/XX/2023 to send me copies of documents they used for my investigation. Instead of doing what I asked for, for the 5th time, the employee had opened another case without my knowledge. Citibank has not been able to provide me with any proof of the investigation because nobody is actually doing their job properly. They refuse to give my money back. I have filed police reports and taken every step to prove that I was scammed but Citibank has continued to be as unhelpful as possible. They have not provided any proof of any investigation. The letter they keep sending ( attached ) even states that I am entitled to that information. They have truly been such a continuous failure as a company. I ask them to send copies of the information used in the investigation and they keep opening a case. I want this issue resolved by people who can actually do their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on a number of occasions submitted a full Idenitiy thef package to Equifax in regards to these fraudlent account open by a Idenitiy thef. 
and Equifax had continue to violate my right under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016 & XX/XX/2016 there was at least 12 inquiries from a vehicle loan that I didnt authorize. I have followed up with XXXX and EQIFAX and even placed an identify fraud alert on my account. I also stated to them that my drivers license were duplicated at my local dmv. I had a fraud placed on my account at that time as well.Im only asking to remove the inquiries from my credit report in the month of XX/XX/XXXX and XX/XX/2016. With those inquiries on my credit report it is making it difficult to obtain credit. There is probably a total of 12 inquiries in those months. Please investigate and properly remove from credit report.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 


ACCOUNTS : XXXX NUMBER AccountXXXX XXXX XXXX XXXX XXXX, NUMBER Account : XXXX XXXX XXXX : NUMBER Account : XXXX XXXX XXXX : NUMBER Account : XXXX XXXX XXXX : NUMBER Account : XXXX
Product: Mortgage

Over the past at least 20 years Wells Fargo Home Mortgage has been giving me issues with releasing funds refunded to me wether its from the escrow or refunds from a loan modification that I did with them. My ex husband and I was on a loan together. I filed for divorce and the home was granted to me as alimony in solido. I sent that to Wells Fargo. An escrow check was issued afterwards. I was asked to in order to reissue the check in only my name I needed to get him to write a letter stating that he no longer has interest in the property. I did. It didn't last long because sometime after another check was issued. I called back, then they tell me that I need a Quit Claim Deed signed by him in order to have future checks to only be issued in my name. I had to contact him to get that done, nw mind you I've remarried by this time. I bit the bullet and got that done and submitted. Over the years when a check is issued I've had to call in and resend the same documents that I've sent over 20 times to them. In XXXX I sold the home, without having his signature of course because of the Quit Claim Deed being filed. This week ( XXXX ) I received another check from them mishandling the loan modification in which case I didn't need his signature to apply for that, but I'm being asked to get him to sign another letter. This is ridiculous! The Quit Claim Deed according to my attorney automatically dissolve his interest. They are holding my funds due to me illegally. I am exhausted dealing with these people who willy nilly changes their rules at will. This is something I should no longer have to do. This is my money and they are making it difficult for me to have it. Something needs to be done about this. So per my attorney I am filing a formal complaint for this to be investigated and set right for me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year>, XXXX PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE XXXX ( B ) ( XXXX ) XXXX ( B ) ( XXXX ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXXC OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXXXXXX  OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX  {$67000.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$0.00}
Product: Credit card or prepaid card

My credit card was receiving suspicious charges so I called to cancel. They transferred the balance and removed the history of all previous transactions. When they transferred the card the old total was less than the new total. I told them what happened, a few months later same thing occurred. Suspicious transactions, then they sent me a new card and the total credit debt was more than it should have been. 

I tried disputing but they say there is no history because it is a new card. 

This is Wellsfargo
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 602 ( a ) Section 2, it states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because the XXXX account on my credit report contains several inaccuracies and XXXX violate federal laws, specifically the Fair Credit Reporting Act ( FCRA ). Despite my attempts to dispute the inaccuracies with the credit bureaus and XXXX, the issues remain unresolved. 

The specific issues are as follows : XXXX XXXX XXXX : The account is marked as " Closed '' as of XX/XX/XXXX, but a remaining balance of {$280.00} is still reported. If this account was charged off, the balance should not remain on the original account unless accurate documentation is provided. 
Erroneous Payment History : The account shows a history of missed payments ( XXXX XXXX XXXX XXXX XXXX through XX/XX/XXXX, even though the account was closed in XXXX. Once an account is closed, payment history should not reflect ongoing missed payments. 
Potential Re-aging of Debt : Payment history reported beyond the original closure date suggests re-aging, which is illegal under the FCRA. Negative information can only be reported for XXXX years from the date of the first delinquency ( XXXX ( a ) ). 
Inconsistent XXXX XXXX : The loan term is listed as XXXX  months, yet the account was opened in XX/XX/XXXX and closed in XXXX XXXXXXXX XXXX XXXX This raises concerns about the accuracy of the account details. 
Profit and Loss Write-Off : The account is marked as " Profit and Loss Write-Off. '' If this debt has been sold to a collection agency, the original creditor should not continue reporting a balance, as this could result in duplicate reporting. 
Laws Potentially Violated : Fair Credit Reporting Act ( FCRA ) : XXXX ( b ) : Failure to ensure maximum possible accuracy in credit reporting. 
XXXX ( a ) : Negative information must only be reported for XXXX years from the date of first delinquency. 
XXXX ( a ) : Furnishing inaccurate information to credit bureaus. 
XXXX ( a ) : Failure to properly investigate disputes. 
Fair Debt Collection Practices Act ( FDCPA ) : If the debt was sold or transferred to collections, incorrect reporting of the balance or payment history could violate XXXX ( false or misleading representations ). 
What I Am Seeking : I am requesting that the CFPB investigate these issues and take appropriate action to ensure MoneyLion and the credit bureaus comply with federal laws. Specifically, I request : An investigation into the accuracy of the account details ( balance, payment history, and term ). 
The immediate correction or removal of the account from my credit report if inaccuracies can not be verified. 
An explanation of why the payment history continues to be reported after the accounts closure. 
Supporting Documents : I have attached the following documents : Screenshots showing the payment history and balance discrepancies. 

Contact Information : You may contact me at XXXX if additional information is needed. 

Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following accounts has violated my Rights. 

XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX U.S.C 116 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 16881 SECTION 602 A SECTION 2 : ALSO STATES THE A CONSUMNER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

company put collection notice on my credit report on a debt that was taken care of in bankruptcy court.
Product: Credit card or prepaid card

TRANSUNION DISPUTE. THE FOLLOWING INQUIRIES ARE NOT MADE BY ME AND I WOULD LIKE THEM TAKEN OFF MY CREDIT REPORT.  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 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: Debt collection

Design Receivables solutions was asked to verify over 13 collection accounts that they were reporting on my credit report. I was trying to validate if the debt was correct, mine and if it should be included in my bankruptcy which was already discharged. When I requested validation they sent ALL my medical records attached to each of the reported debts as validation of debt. This is a clear violation of my HIPPA rights as I NEVER signed a HIPPA release form allowing any third party collection agency to have access to my medical records. As a violation of HIPPA they are required to stop reporting this debt. They have not and continue to send me copies of my personal medical records
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 confidentially under 15 USC 1681. XXXX  Accounts # XXXX XXXX  XXXX ( {$800.00} ) # XXXX XXXX  XXXX ( {$700.00} ) # XXXX XXXX XXXX XXXX  ( {$370.00} ) # XXXX XXXX XXXX XXXX ( {$2700.00} ) # XXXX XXXX XXXX {$700.00} ) has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Bank of America About ten years ago i had an account with Bank of America, but their fees were so high I cancelled after two months. I had a safe deposit box which i cancelled as well, but three years ago i got a bill for {$75.00} which was I thought resolved and they closed it with no charge. 
But today I received a letter saying to return keys and pay XXXX I have no keys and this was supposed to have been resolved three years ago.. I want to know why all of a sudden i get a bill?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a request for Opt-out 15usc 6802-6805 was made as well as other request such as A request of Removal of student loan reporting. 
For it is a violation of educational and privacy act which states school will not provide transaction history to any 3rd party Upon Family and Educational Privacy act of 1974 my legal rights were violated. 
Inquires as well was requested on XX/XX/XXXX to be removed per 15usc1681 permissible purposes Request to remove all original information except for current address XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX There is multiple addresses that is on my credit report that is a non mailable address Reporting agency was unable to provide me with where they got the address from as per Privacy Act 1974. 
A charge off is reported on my credit report. A charge off is considered a Certificate of Indebtedness which means it is income and income cant be reported to credit report and must be removed. 
It is illegal to report transaction history.
Product: Mortgage

I am shocked that XXXX XXXX XXXX has refused to review my complete modification packet despite being told to submit a new packet while my appeal is being reviewed. Apparently, they are using my active sale date for XXXX XXXX against me even though they were aware of my sale date since I constantly voiced my fear of losing my home. However, I provided all documents needed for a modification review but XXXX does not want to move forward and review my loan. I have an appeal letter currently under review with XXXX and was promised to have a rush review due to having the active sale date. But again, XXXX is using it against me that I did not submit my modification packet before the 37 days but how can I summit a packet when my appeal is under review? Clearly, I am being set up for failure to ensure I lose my home. When I submitted my appeal I was told the sale date would be canceled if a decision was not reached or if it was I would still be able to resubmit. They lied and the appeal assures they will not move forward with a foreclosure should one be pending. Moreover, I was advice by agent XXXX ID # XXXX that in order to have my sale date put on hold or suspended I needed to submit a complete packet. Obviously, I because suspicious because the appeal states after the outcome I would have 30 days to re-apply but yet she requested I immediately submit a packet since the decision for appeal was pending. Now, because I submitted the packet they are using it against me despite having my appeal under review. This is grossly unjust and they need to stop doing this to struggling home \owners such as myself. I am in shocked and absolutely angry with the way they set me up to fail. I am in tears because as a single mother you can only imagine the XXXX I am experience at being left homeless.I have and continue to do everything XXXX has requested of me. The modifications offered in the past where not affordable and was told they would be reviewing me for the HAMP Tier 2 and not to worry. I am reaching out to you as my last desperate attempt to help me. They need to stop my foreclosure date as told and considered for the HAMP Tier 2. Please I hope you help me and I do not lose my home. Thank you so much for listening and helping me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the following inaccurate information that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the last letter. Ive already included this in my previous Complaint # & I am including it again. Please investigate this closely and remove them from my file as soon as possible : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$7600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX XXXX Balance XXXX {$120.00} XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX Balance XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner. 

Please disregard the first complaint I sent you for my inquiries and DO NOT INCLUDE my XXXX XXXXXXXX account. Thank you