23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On Friday XX/XX/XXXX I received a phishing text posing to be Wells Fargo saying there was fraudulent activity. I responded to the text, thinking it was my bank because my bank has also sent similar texts. I received a phone call from Wells Fargo and confirmed it was the same number as on the back of my bank card. The criminals used phone spoofing to change their number to match that of the bank to impersonate the bank. They asked me to confirm my identity, stating to be Wells Fargo, this call is being monitored for quality assurance, etc. 

They confirmed the fraudulent activity, said my debit card had been compromised and they were cancelling that card and sending me a new card immediately. They read me my home address where they would mail the new card. They sent me a text to confirm my identity so that we could cancel the fraudulent activity. Not knowing my log in info, I sent the link to my husband. It matched exactly the site of Wells Fargo log in site. My husband got on the phone and logged on. 

They asked him to log into his account and confirm the last 4-5 transactions to make sure they were accurate. They were able read all of these transactions to us, further confirming this was actually Wells Fargo. They used this to obtain all of our online banking information and initiated a wire transfer of {$25000.00}. 

They then called Wells Fargo and impersonated my husband to confirm the wire transfer stating the transfer funds were for heavy machinery equipment for his business ( he does not own a business ). 

We called Wells Fargo 2 minutes after after getting off the phone with the criminals, because we wanted confirmation that our money was safe. They then told us that that was certainly fraud, they were impersonating Wells Fargo and we immediately ordered a stop order/freeze funds. We closed the bank account to stop further fraud. We spent hours and hours speaking with Wells Fargo with no answers. 

Despite us taking quick action, the funds cleared in the early hours of XX/XX/XXXX. We filed a police report the morning of XX/XX/XXXX. The Wells Fargo investigator did not reach out until today XX/XX/XXXX and stated this was a scam and thus we do not qualify for restitution. A second fraud claims " consultant '' at Wells Fargo stated this was our fault and they would not pay the claim. Further, they would not confirm Wells Fargo issued the stop order and would give us any details of what they did on their end to stop the wire claiming it was confidential. Wells Fargo also did not reach out to either of our cell phones when the wire was illegally initiated to confirm. We escalated again to XXXX XXXX XXXX office but they were not reassuring and said they had no power to pay the claim. 

In our 20 years of banking with Wells Fargo we have never done a wire transfer. This type of transaction should have required in person confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car from Carvana.com and it was financed by XXXX XXXX -- now XXXX. 

Carvana never took the first $ XXXX from my account and without telling me decided to mark my car to be repossessed. ( after having paid all of my XXXX  payments for 6 months ) In addition to totally being inaccessible, they refused to accept my $ XXXX once I found this out. Never delivered my registration and reported on behalf of XXXX on my credit report that I was late on payment ( which I was definitively NOT apart of the loan for bridecrest that they falsely reported on ). XXXX  removed this after a dispute was initiated. But Carvana still intends to take my car as a repossession. I even offered to give them back the car if they agreed to not write anything further derogatory on my credit report and they have flatly ignored my offer. 

Such XXXX  and am out thousands of dollars because they refuse to accept my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$47.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( # XXXX ) {$1200.00} has violated my rights 15 USC 1681 Section 602 ( A ) states I have the right to privacy. 15 USC 1681 604 ( A ) Section 2 also states a consumer can not furnish my account without written instructions by me,
Product: Credit reporting

I received a XXXX Fraud Alerts email on XXXX XXXX, 2015 asking if I had made a purchase for my XXXX XXXX account in Florida that day. I contacted the bank, they stopped the payment and issued me a new credit card. I changed my passwords and upped my security. Two months later, when using XXXX XXXX again, I noticed another person 's name and number on my account. I contacted XXXX and they advised me to file a police report. I went to the XXXX Police Dept and filed an identity theft case on XXXX/XXXX/15. They advised me to run a credit report and see if my credit was affected. When I ran the report on Experian, I noticed a XXXX credit card open in my name with a balance of over {$4000.00}. Only the first XXXX numbers of the account were visible and I do not recognize them. I called XXXX Fraud hotline yesterday to inquire and they informed me this is connected to an account that is either closed, purged, or deleted. I told them that I have never closed an account with a balance on it, and furthermore, the recent transactions on this credit report item indicate that there are monthly payments being made, and the balance has XXXX risen and fallen during different months between XXXX and XXXX of this year. I am concerned that there is an apparently active account in my name that XXXX is denying its existence. I do n't know if this is a rogue banker, a computer error, or a systematic problem similar to what XXXX recently discovered and filed against XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, i called the courthouse asking do they report bankruptcies to the credit reporting agencies. " The courts responded and said they DO NOT report any bankruptcies to anybody and that i can go to they're website and print off the letter they have on the home page stating that they do not report to the agencies. '' So if that's the case how did the credit bureaus certify my bankruptcy as 100 % accurate. They never did a fair invistagtion according to the 15 U.S.C 1681. 

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report " mean a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C 1681 section 602 A. States i have the right to privacy.

According to : 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 According to : 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. 

And i also want to inform you guys that the credit agencies removed one of the bankruptcies the one from XXXX when i originally filed a dispute threw them and then put it back on my report which i will provide proof in the following documents which is also a violation and also put a change on my report as making it seem i just filed a new bankruptcy with a new case number.
Product: Credit reporting

On or about XXXX/or XXXX of XXXX, XXXX XXXX company had placed a judgment on me in lieu of {$800.00}, and we came to agreement when we went in front of the Judge, in which XXXX XXXX represented agreed that I will pay my past due bill of {$800.00} which I did, and upon my paying off the debt that they would in return send a settlement letter to the court and me, which they failed to do as a result you have a unlawful judgment against my credit. Furthermore I have found out that XXXX XXXX has been out of business, because XXXX XXXX was contacted on XXXX/XXXX/XXXX by the BBB. In which the company stated they are out of business BBB also reports on a company that is out of for three years from three date the company closes its doors or ceases to do business. Please understand that I 've tried numerous times calling to find out what happen to the settlement letter they were suppose to send me, way before I found out that they were out of business, I 've went to the Courts etc ... trying to get some type of number or address on XXXX XXXX, just to find out through the BBB that they closed or folded their business in XXXX, but never up held their end of our agreement. Now here some 4 years later I find that there is a judgment on my credit by Transunion from XXXX XXXX which is false and need to be removed. Not because they went out of business, but because they never contacted me to let me know that they sent a settlement letter to me or the courts. So with that being said I 'm requesting that Transunion remove this judgment off my credit and send me a satisfied letter stating that this judgment is removed and settle with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove inquiries which not belong to me. I never applied for this company and never gave permission to apply for this inquiries. 
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires XXXX XXXX, XXXX XXXX XXXXXX/XX/2020 I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 

Please send me an updated credit report after you have deleted the inaccuracies. Thank you.
Product: Credit card

Unfortunately, I have been a victim of fraud and my information has been compromised on the dark web. I was recently XXXX from XXXX of XXXX until XXXX of XXXX. When I was first incarcerated I had a XXXX balance on this account. Upon being released from my XXXX my account was closed and there were no funds available in my account. I informed the credit card company that there was no way that I could have made transactions at this time because of my XXXX and somebody had assumed my identity during this period ; additionally, I provided the company with proof of XXXX  and documentation illustrating these facts. However, the credit card company still has not resolved this matter and have denied my claim stating that I had made the transactions. This is untrue as I have not given anyone permission to access my accounts and funding. The company has defrauded and this has destroyed my credit, causing me undue hardship.
Product: Student loan

I have a private Student Loan through Discover. The already outrageously high interest rate ( 9.875 % ) raised without notice to 10 % this statement. This is the second time this year the rate has increased. This time, however, no notice was provided for the increased rate. I 've previously tried working with the loan servicer to find out how I can reduce the interest rate ( whether through refinancing through Discover or any other means ) and they have been unhelpful. Aside from the fact that my auto loan and mortgage have interest rates that are nearly half that of my private student loan, I am concerned about the rate continuing to increase. Furthermore, I have attempted contacting the servicer for an explanation on why the rate has increased without notice, and a request to return the rate to what it was before the increase happened ( again, without any notice to me ). Not only has Discover not addressed my concern, Discover simply has not engaged with me. I have not received any communication since my inquiry, several days ago. I 'm worried that I have an outstanding debt to a private institution that operates similarly to a gang lord ; Discover charges me what it sees fit, and does not service my account, and I simply do not have a voice with them. Every month, I pay XXXX to XXXX times the minimum payment, in an attempt to be out from under this debt from an unfair provider. The feeling of despair and hopelessness grows more each time they chose to unjustly raise the interest. What is more troubling, the interest steadily started rising as soon as I started paying more than the minimum. It is as though Discover was dead set on making a specific profit from my account, and now that I can afford to pay more to the account, they will make up for the fact that I will be debt free sooner by charging me exorbitant fees lacking representation. I do understand that this loan has a variable rate ; however, if my provider is going to exercise it 's right to increase the rate, it absolutely must give me proper notice. It was the only thing that separated it from a slum lord, and I fear I do n't even have that now.
Product: Money transfer, virtual currency, or money service

I wanted the currency to be kept in USD but instead it was changed to XXXX Dollars. I was told that the currency would be kept the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX  : 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 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. 

This inaccuracy is stopping me from wanting to get a new home for my family.
Product: Credit reporting or other personal consumer reports

I bought a used vehicle through XXXX  on XXXX i believe and financed thru Bridge-crest. 
I was paying the payments on time but XXXX was rough for me since i lost my business and it got shutdown and my financial situation shattered. My wife doesnt since we have a XXXX XXXX girl. 
So i called bridgecrest because i was late on payment. I told my situation. The person understood and told me they will lower the monthly payment for 2 months i believe. not to sure. and they said it will go back to regular payment. And also they promised they wont report to credit companies as late payment. now that i have been working and making payments on time. To my surprise they did reported and it hurt my credit. They lied to me. and a week ago i texted and ask them to remove it since i am planning to buy my first house. I plead them N they said no. I m hopeless and helpless. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries : 1- XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX. Trying to open small business bank account. I did not authorize a credit check and did not open a small business account.

2- DEPARTMENT OF EDUCATION- was told I had to pay for class or I could not attended the school. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX was told I had to pay for class or I could not attended the school. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX - I did not get a vehicle. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX -I did not get a vehicle. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX- I am not familiar. please remove. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX- I did not provide my information. please remove. 
Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX- I did not provide my information. please remove. 
Reported : XXXX XXXX, XXXX I would like all inquire stated above, removed off of my credit. 

- Thank you.
Product: Vehicle loan or lease

Received a vehicle that was from auction with no inspection, no maintenance check, detailing, nothing. Also promised add one but never received them. Car was repossessed and sold. Also debt collection and sold.
Product: Debt collection

I acquired roughly {$5000.00} of debt in XXXX. Within the last couple of months, now in XXXX, payments are being withheld from my paycheck from XXXX XXXX , XXXX My tax returns from the last 6 years have been withheld amounting roughly {$6000.00} because of this. I just received a bill stating I still owe roughly {$8000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ATTEMPTED TWICE TO DISPUTE THE INACCURATE ACCOUNTS ON MY CREDIT REPORT, ASKING FOR VIABLE EVIDENCE BEARING MY SIGNATURE. THEY HAVE NOT GIVEN ME PROOF BUT WANTS TO DISCONTINUE INVESTIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

i need fraud alert removed from my report asap
Product: Credit reporting, credit repair services, or other personal consumer reports

select portfolio servicing reported my account late to the credit bureaus, i mailed them a check and they have not cashed it but still reported me late.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit report act this creditor, XXXXXXXX XXXX  XXXX, XXXX, XXXX XXXX  under 15 usc1 secton 602 states I have the right to privacy 15 usc1681 secton 604a section 2 also states that consumer agency can't furnish an account without my written instructions, under 15 usc 1666b creditor may not treat a payment on a credit card account under on open consumer credit late for any purpose. 

for the XXXX XXXXXXXX credit, I responded to a lawsuit, and they could not provide the information, it needs to be removed from my credit report.XXXX XXXX needs to remove cause limitations has been 7 years
Product: Checking or savings account

A checking account was open in my name without my knowledge or consent. I found out about this because I got an email from wells Fargo saying account approved and here are your documents and disclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote in several times to both the financial institution and Experian about this unauthorized inquiry on my report. 
Neither have responded.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX, OH XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX  XXXX Balance Owed : {$3000.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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. 

XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$5900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file.

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter