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

I received a call displaying on Caller ID WELLS FARGO informing me of questionable transactions taking place in their system. They caller was familiar with my account balance, account number, and its link to XXXX XXXX and XXXX. This supposed Wells Fargo representative walked me through steps to prevent the transactions from taking place only to later realize those funds were being stolen from my business account. I instantly called the bank however I was on hold for 30-45 which gave the transaction time to be completed. Had Wells Fargo not been slothful in my urgent matter, time would have allowed me to cancel the fraudulent transactions.

I do not know of these individuals that has taken my funds. Please help me recover these funds. 

Wells Fargo should refund all funds fraudulently taken from my business account. As a XXXX yr+ business member, I believe the fraudulent transactions totaling {$9500.00} should be refunded. These funds were earned by my business and illegally taken. Transactions {$3000.00} + {$3000.00} totaling {$6000.00}.
Product: Credit reporting 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.has violated my rights. 

XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX  XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX  XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Experian XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX  XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX 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

After pulling a copy of credit report I've realized there are many inaccurate items onmy credit report. 

Per 15 U.S. Code 1681e ( b ) Accuracy of report - Compliance procedures Please conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 14 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Please delete as Creditor and agency are in violation
Product: Money transfer, virtual currency, or money service

Hi, the Remitly Inc. ( https : //www.remitly.com/ ) is advertise to be a transfer money agent. I just transferred my US dollars to my XXXX account, they just put this transfer on hold. When I try to contact with them by email or phone call, nobody responses. So I think it is a fraud/scam company.
Product: Vehicle loan or lease

Purchased a used XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX in XXXX va, set up with direct payments to Bridecrest Financial, first scheduled car payment of XXXX did go though on XX/XX/XXXX and clear the my checking account. i received phone call from Brigdecrest on XX/XX/XXXX after i canceled a XXXX extended warranty and GAP insurance that there was problem with the down payment of XXXX dollars and a block was placed on the debt card, i called XXXX XXXX and the rep claimed since it was a large payment of XXXX it was declined but could recharge, i called Bridecrest the rep explained i would need a letter from XXXX XXXX Bank Manager stating it was the bank fault, i called XXXX XXXX since no branches were opened due to covid 19 and the rep said send the reason it was declined off the online banking statement which i did and put the charge back though, Bridgecrest would not except and claimed i was in default of the contract terms for the down payment which i could have reinstated that day, Brigdecrest denied any further payments which i offered to pay more per month I asked how can this be adjusted or worked out the rep explained it can't and won't we are going to repo the car, i tried everything in my power to correct the situation and they offered no resolution on this matter the car was repossessed on XX/XX/XXXX and the rep claimed it would be a contract rewind and wouldn't show up on my credit report, a week later showed up as repo on all three credit reports and can't get another car loan, i have not received any notification from Bridecrest on this matter and have called Bridgecrest many times they claim it takes time remove from credit report. on XX/XX/XXXX spoke with Bridecrest collection and the car is being sold at auction and i will be responsible for any balance left over, i was never notified from Bridgecrest that they intended to auction off this isn't the first case of this happening though Brigdecrest over 1000 complaints to XXXX of misleading contracts, this company needs to be investigated by VA states attorney 's office
Product: Debt collection

IN XX/XX/2018 I WAS NOTIFIED BY THE CREDIT BUREAUS ( XXXX, XXXX, XXXX ) THAT MIDLAND FUNDING IS REPORTING THREE DIFFERENT DEBTS. I HAVE BEEN IN CONSTANT CONTACT WITH MIDLAND AND XXXX  RE THE TRADE LINES BEING REPORTED ON MY CREDIT FILES. I HAVE EVEN DISPUTED THE CLAIM WITH XXXX  BUT THE TRADE LINES REMAIN. XXXX   AND XXXX  HAVE DELETED THE TRADE LINES DUE TO LACK OF EVIDENCE THAT THIS DEBT BELONGS TO ME. I HAVE EVEN TALKED WITH MIDLAND RE PAYMENT ARRANGEMENTS AND THEY STILL ADDED THE DEBT TO MY CREDIT FILES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have hard inquires that are reflected on my credit report that I do not recognize. As a result of the numerous unauthorized inquiries, I will be locking my credit report and enabling life lock to protect me moving forward. Please see the following inquires below : XXXX Credit/Infinity XX/XX/XXXX - company unresponsive XXXX Credit/Northwest XX/XX/XXXX - company unresponsive XXXX XXXX XX/XX/XXXX - did not authorize as I am a renter XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX - Inquiry unauthorized - contacted company XXXX/XXXX XXXX XX/XX/XXXX - did not apply for home loan XXXX XXXX XX/XX/XXXX - did not authorize no account linked to my credit Factual XXXX XX/XX/XXXX - did not apply for a home loan XXXX XXXX XXXX XX/XX/XXXX - Did not authorize, did not apply for an installment loan - company very unresponsive XXXX XXXX XX/XX/XXXX - Did not authorize - contacted XXXX explained it's over the 2 year mark please remove. 
XXXX  - Contact information does not reflect on my credit report to dispute with the company, but have attempted to contact them via the internet. 
XXXX XXXX XX/XX/XXXX - did not authorize have reached out to the company failed attempt will contact once more XXXX XXXX   XX/XX/XXXX - did not authorize XXXX/XXXX XX/XX/XXXX - never heard of the company - did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past two years XXXX XXXX XXXX is being reporting inaccurate information to the three major bureau on my behalf. l have sent them 4 different letters requesting to verify the that this information is mine, and, that it is accurate. in violation of a federal law all four occasions they have failed to provide me with a copy of the original contract with my signature on it. All l get is a response back in the mail, stating that they do not understand the reason of my despute. The case is for the three major Credit bureau, XXXX XXXX, XXXX and Experian, none of them can seem to follow the law and at least provide with a copy of the original contract with my signature on it,
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The following unauthorized credit inquires have been made to my credit report across the three major credit bureaus as follows. XXXX is reporting XXXX hard inquires from XXXX XXXX reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX is reporting two unauthorized hard inquires which are being reported as XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. 

Experian is reporting two unauthorized hard inquires which include XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX.
Product: Consumer Loan

On XXXX XXXX, 2016, I refinance my auto loan, which had previously been with Ally Financial, with XXXX XXXX XXXX. XXXX XXXX has been great. They acquired a payoff amount and address for payoff, but Ally claims they ONLY has a PO Box , and payoff can only be sent through regular mail, not overnight. It has now been 3+ weeks since my refinance, and 2+ weeks since XXXX XXXX sent a payoff check and a request to release the lien. I have had four ( 4 ) conversations with Ally, all just short of stating that I must make a payment and that I have been sent to collections, and they have not been able to assist me in locating XXXX XXXX 's payoff nor have they been able to to provide me nor XXXX XXXX in anyway with a solution. They will not provide us with a physical address in which the bank can reissue and send another check either. XXXX XXXX will not resend without this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a XXXX XXXX account that's on my credit report for a Year an a half now. Experian have Failed to provide me with Proof that this negative item is mine in Every dispute I asked for a written sign contract with my signature on it Experian have yet to give me the proper documentation that this Negative item is mine. I have contacted XXXX XXXX and they are NOT REPORTING this Negative account. XXXX and XXXX have removed it 6 months ago. Experian have Not did a proper investigation end NONE of my disputes if they have they will know that this shouldn't be on my Credit Report. THIS IS NOT A DUPLICATE DISPUTE THIS IS A COMPLAINT ABOUT EXPERIAN NOT DOING A PROPER INVESTIGATION AND VIOLATING THE FCRA. I want it deleted within 15 days.
Product: Debt collection

XXXX-XXXX-2017 called looking for XXXX XXXX. has not lived here for 25 years. said they will sue if they do not reach him.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on Credit Karma and noticed a hard inquiry by : XXXX XXXX, FL XXXX XXXX XXXX XXXX/XXXX The above transaction is not mine and Im extremely upset this showed on my report because it affected my score. Can you please help me? Credit Karma says to contact the creditor and the creditor says to contact credit karma and XXXX, its a big circle and no avail. I want this removed from my report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with XXXX XXXX XXXX and American First Finance. I sent my first verify dispute letter on XX/XX/2023, to XXXX. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation.On XX/XX/2023, I attempted to reach out with a letter to American First Finance regarding the inaccuracy and no valid documents for this debt. The letter was returned to me because their address they use to report to the credit reporting agency is inaccurate. On XX/XX/2023, I had sent my third validation dispute letter to XXXX stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. XXXX ignored my response and provided no reasonable method of verification on why they verified this debt.
Product: Credit reporting or other personal consumer reports

I sent certified mail to cease and desist letter was sent to creditor with no response and the credit bureaus have refused to remove an item from your credit report. Company continues to contact me via email and phone everyday all times a night.
Product: Debt collection

A simple look at the XXXX reviews for XXXX in XXXX SC is a fair indication of false reporting to credit bureaus. Each interaction a representative states a different date for the last payment made. The amount changes every time. There is a recorded call that they will not retrieve indicating that the debt would be removed from my report. They refuse to remove it due to recent policy changes. They also can not properly indicate to me the original amount the debt was for. Their phone number is ( XXXX ) XXXX. I have attempted and successfully gotten this debt by requesting from the bureaus, they simply report it again months later.
Product: Money transfers

I used the Wells Fargo SurePay services to transfer money to my friend 's account using his phone number. I received the confirmation email and text message saying it was transferred to his account and received a text message as well. I sent XXXX separate transactions to the same phone number in forms of {$41.00}, {$500.00}, and {$2000.00}. The money was taken from my account to transfer over. I waited a day or two to see if he got the money, and he said it never transferred. I checked his XXXX XXXX XXXX account to see if it ever went through, and there 's no signs of the transfer. I checked his statements, transfer history, and even the preferences to see whether the correct number is linked to that account ; and it was correct. He called his bank to see if they can see if anything went wrong, but they said there was not any transfer that went to the account. So, I submitted XXXX claims to Wells Fargo, and they said everything went correctly on their end and that they could not do anything much more. They offered to send any documents that they used relating to the claim showing how they determined the outcome, but they had no documents to show for. I am submitting to claim to determine where my money went.
Product: Debt collection

To whom it may concern : I am writing this complaint due to XXXX XXXX XXXX is trying to collect a debt that is past the FL Statue of limitations to collect ( 4 years ) as well as the 7 years that it should be showing on my credit report. 

The account number to the original account is XXXX XXXX  XXXX XXXX . The XXXX   account number is XXXX. 

The last payment was made XX/XX/2009. I have taken care of this matter and closed my account from XXXX  XXXX XXXX. However I am now receiving these statements from XXXX stating that they are seeking payment for over {$9000.00}. 

With the Florida Collection Limitations and FCRA, XXXX is no longer legally allowed to contact me about this matter, let alone collect a debt that has been paid.
Product: Credit reporting or other personal consumer reports

Reporting negative and old accounts and my credit file and/or credit report. 15 U.S. Code 1681b, credit reporting agencies, XXXX, EQUIFAX, XXXX and all, are reporting on my credit report and file without my written consent.
Product: Debt collection

I received an alert from all 3 credit bureaus that a collection was added from Diversified Consultants XX/XX/2017. The amount is for {$940.00}. I have never heard of this company and I have n't received any notices in the mail pertaining to this debt. I was not given the option to dispute the validity of this debt before being placed on my credit reports. I demand this account be removed from all 3 of my credit reports immediately and be given the opportunity to dispute this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

An employee with   XXXX   XXXX   changed the last digit of my driver linsence. The check was from   XXXX   XXXX   in the amount of {$5000.00}. The last digit of my linsence is  XXXX  not  XXXX .   XXXX   XXXX   was able to get a packet to me. I 've mailed information out of the city, I have n't been a letter to receive mail. Until now, because there is a company name surrounding my name. I ca n't submit a change of address through The United States Postal Service. Due to theft of mail through the internet. It appears as though I 'm included in a group for the person/persons to get group discounts & senior citizens benefits. These are corrupt dangerous people. Please research the wage earner case number  XXXX . The courts shows I was  discharged   XXXX   XXXX .  XXXX  DBA   XXXX   XXXX   XXXX  was refinanced on  XXXX / XXXX / 2004 , while I was under   XXXX   XXXX  . The new loan is with  XXXX   XXXX .
Product: Credit reporting or other personal consumer reports

A Car was financed under my name at XXXX XXXX in XXXX XXXX XXXX FLORIDA. I have called and stopped by the dealership numerous times and I have called the police numerous times. i am not getting any help. That is not my signature on any of the documents.
Product: Payday loan, title loan, personal loan, or advance loan

Around XX/XX/XXXX a representative of XXXX XXXX XXXX and XXXX XXXX came to my house to offer their services for a patio cover and later told us they could to build a home that covered XXXX  XXXX. They requested documentation to see if we qualified for a loan, after we provided the documentation they submitted without our knowledge or approval multiple loan applications ( around 12 ) and multiple banks and financial companies requested our credit report Mosaic was one of them on XX/XX/XXXX. The same day in the evening they submitted to us what they said were estimates of the work they offered to do. On XX/XX/XXXX my husband signed some contracts that had the company logo and the only signature on the documents was my husband 's. I am disputing as fraudulent Mosaic 's Contract for alleged installation of XXXX solar panels by XXXX XXXX XXXX XXXX for {$75000.00} dollars. According to XXXX XXXX XXXX XXXX XXXX requested a construction permit and installed the unworkable panels. The same solar panels were fraudulently charged by XXXX XXXX, XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX for over {$250000.00}. Mosaic does not want to accept that their charges are a false, claim submitted by XXXX XXXX XXXX XXXX is fraudulent. They said they contacted my attorney and were not able to talk with him he disputes their statement and we are in court against XXXX XXXX XXXX and XXXX for fraud. We recently learned that all those companies are registered with different address but have the XXXX XXXX XXXX, # XXXX XXXX CA XXXX address for business. XXXX XXXX and XXXX XXXX are also claiming work done with the same XXXX solar panels. The fraud and ripoff are clear by all this companies. Again reiterate Mosaic claim is fraudulent some claims are also on my husband 's name XXXX XXXX Mosaic stated to his complaint that they had no loans on record with the XXXX XXXX XXXXXXXX XXXX, XXXX CA XXXX address but at the same time they say I have one loan with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 

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: Student loan

I have received collections attempts from 5 different companies in the past year. I have been unemployed or underemployed since XXXX and this latest company has increased the loan by almost $ XXXX in the last 6 months. I dont know how to deal with these companies because even when I was able to afford to pay them the amount of money owed never seemed to reduce. In fact, it just seemed to increase every time it switched hands. The original loan with XXXX XXXX  was for {$8600.00}, today I owe {$7200.00} according to XXXX XXXX XXXX XXXX. According to XXXX, XXXX and XXXX XXXX, XXXX, I paid appx {$8500.00} between XXXX on this loan. However in a packet from them dated XX/XX/XXXX, I found out via a note disclosure statement dated XX/XX/XXXX that my loan was actually for {$22000.00} which I did not know and if I had known, I wouldve never agreed to it. This was for a 6 month, 2 night a week XXXX XXXX  that promised job placement, ongoing use of facilities and equipment and ongoing education. Not only did XXXX  XXXX XXXX XXXX not fulfill their part of the agreement, they closed without notice 3 years after I attended the course. When I attended the school they had 44 locations, a very big selling point. They currently operate in only 6 cities. 

Additionally, I accepted this loan with the understanding it was a student loan to an accredited school. It was XXXX-certified to operate in Virginia from XX/XX/XXXX to XX/XX/XXXX. The school had an admissions  set up just like a XXXX college and I was very young/naive to believe it was legitimate. I come from a family with very little money, my mother and I didnt know or understand that we were entering a contract for an unsecured personal loan or how badly that would come to effect both of our lives and credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit and Reporting act XXXX  account XXXX has violated my rights. This account has consistently reported several inaccuracies on reporting payments imcorrectly and account balances also being incorrect
Product: Credit reporting or other personal consumer reports

When I was looking over my credit report recently I notice there were hard inquiries that I didn't apply for. Before filling this out I contact the companies and they couldn't give me any information regarding the inquiries. I filled out an Identity Theft form as well.