23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I had my account for less then a month and all my money that I have been saving since I was XXXX XXXX old was gone, I just turned XXXX XX/XX/XXXX. Wells Fargo let a scam company called XXXX XXXX XXXX all the way in XXXX XXXX take over XXXX XXXX XXXX  from me. Then told me their investigation said I did it. My device was stolen and it had my wallet attached to the back of it, it had pictures of my social and my id in it. There are credit cards maxed completely out beyond repair in my name that I have never received, Wells Fargo owes me XXXX, I will not stop fighting until I get my life savings back. I got XXXX XXXX XXXX XXXX  the moment I turned XXXX. That money was going to help me get on my feet, and now its gone, in less then XXXX  XXXX  everything Ive worked so hard for is gone
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought at beginning of XX/XX/2019 some products in XXXX since the bill was a little high. I took the offer the same site was offering to finance with this company XXXX. Long story short, I returned products for end of XXXX ( XXXX and XXXX to be more exact ), I informed XXXX and XXXX of this. Few days after my loan for this devices already return was expiring and there is that XXXX started to send me text, phone calls, emails saying that I was responsible to paying loan no matter if I return device or not (??? ) I respond to every text, phone call and email regarding this situation and explaining how Wasnt in my hands to resolve this, since the products were with XXXX already and they were taking long time to analyze. Finally XXXX sent half of the payment, dont know why only half. But that made XXXX continue annoying me with a debt I Supposedly have, for XXXX XXXX finally sent all the amount. And XXXX finally report account as paid, but the problem is. They report this to Experian. As a Delinquency account, that after I complaint to Experian they finally recognize as paid but left unpaid historial on my report, that that only thing reduce my credit score from the 730s /740s to the 630s. I reported, but dont seems like XXXX or Experian care on cleaning this unfair situation.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX BANK XXXX Account Number : XXXX and XXXX of Inquiries. 

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 XXXX 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: Checking or savings account

I opened a dispute for several debit card transactions with Wells Fargo from the same merchant under : Claim XXXX Reference # XXXX The reason for the dispute was paid by other means, as the merchant also charged my Wells Fargo card even though I successfully paid with a debit card from another bank. I was informed by the representative on the phone that my account would be credited within 2-10 business days by the investigations team. 

Im putting in this report to document that I have sent all correspondence between myself and the merchant regarding this issue, along with screenshots of the matching transaction amounts/dates from my other bank account, to the claims department via email, and to ensure these amounts are adjusted in the form of a credit to my account within the required time frame of 10 business days.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I sent a letter disputing inaccuracies on my credit report. I sent another one on XX/XX/23. Both times I either received no response or a postcard/letter saying that it looked like I was using a credit repair agency to help me, which I guess was there way of buying time by " responding. '' Since over 60 days has passed without any investigation into these accuracies, I DEMAND that, per the law, all of these negative accounts be removed from my credit report. I have also filed a report with the FTC and the XXXX. Please resolve this immediately. It is affecting my ability to get a car and costing me a lot of money in interest charges.
Product: Debt collection

Hunter Warfield provided '' proof '' that was falsified. I never signed that last page and it 's clearly copied and pasted the signature from a previous page.
Product: Vehicle loan or lease

On XX/XX/year> i applied for auto financing through Ally Financial through XXXX XXXX XXXX. The amounts received from the security collateral is XXXX. The action that was taken by me was to contact Ally financial on the matter of me being denied because the agents at XXXX XXXX stated I was denied because of my credit history and no down payment and I will get a adverse action letter in the mail. It been 3 months I've yet to receive one. When I tired to get this information from the company Ally Financial they stated they could not speak to me because Ally only speak with the dealership and not with the applicant because that is their policy. The dealership and Ally Financial has been sending back forth wasting my time. I would like to get this issue addressed as soon as possible.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Experian XXXX XXXX. XXXX XXXX XXXX, TX XXXX Subject : FCRA 605B : Block the Fraudulent Information Dear Sir/Madam, I am a Victim of Identity Theft. I never gave any Authorization for this Collection company to have my information. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX Please Block this information from my credit report, pursuant to section 605B of the ( FCRA ) Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

I request, pursuant to FCRA 605B ( 15 USC 1681c-2 ), that the Experian Credit Reporting Agency block all of the accounts, collections and hard inquiries identified in this complaint from my consumer credit file within ( 4 ) business days of receiving said complaint. I request that all written confirmation regarding this FCRA complaint be sent to me via email to the email address listed here : ( XXXX ) In addition, On XX/XX/year>, I called and asked for a debt validation and verification letter confirming details of the debt, but the company has not responded. 

I appreciate your prompt attention to this matter, and await your reply. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$80.00}, XXXX XXXX XX/XX/XXXX
Product: Debt collection

This company is trying to collect a debt that is not mine. This debt is reflecting my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$570.00} XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$250.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$930.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$570.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$560.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX debt in collections from XXXX XXXX XXXX ( XXXX ). The original creditor is XXXX XXXX XXXX. This debt was paid off and is completely shown as paid/closed on my credit report from Experian. As of XX/XX/XXXX all paid XXXXl debt should be removed from consumer credit files. The collection account that was paid has been removed from my XXXX and XXXX, but not Experian. I submitted a dispute with Experian which was resolved without removing the collection from my account. I then called Experian and was told that they can not remove this despite guidelines from all three CEOs of ExperianXXXX, and numerous statements from the white house about this new change going into effect. See statement below : Effective XX/XX/XXXX, all medical collection debt that has been paid by the consumer in full will no longer be included on U.S. consumer credit reports. In addition, the time period before unpaid XXXX collection debt will appear on a consumer 's credit report is being increased from six months to one year, giving consumers more time to address their debt before it is reported on their credit file. 

These changes precede an additional measure set to occur in the first half of XXXX, namely the removal of XXXX collection debt with an initial reported balance of less than {$500.00} from credit reports. 

This is adversely affecting me due to having a significantly lower credit score of XXXX on my Experian account, versus my score of XXXX and XXXX from XXXX and XXXX. This is affecting my ability to borrow from lenders or get approved for apartments.
Product: Credit card or prepaid card

I never received a XX/XX/XXXX statement so when I got my XX/XX/XXXX statement i called to see what they would do about the fees. They claimed they could only refund the immediate interest fee ( {$2.00} ). I  immediately went on line and paid my bill through THEIR website on XX/XX/2019 ( Transaction # XXXX OR XXXX ). 
I found out a week or so later that the payment HAD NOT BEEN MADE! I called back - their claim was that I had not signed the check.???? How can that be ...? I used THEIR website and paid like I have done many times before? THEY THEN CHARGED ME A RETURNED CHECK FEE? When I found out I called the Representative back again and gave my banking info to the Representative and made another payment from a different bank at that time. 
Then after I had made the payment over the phone I was locked out of the online account I have for this card because of " Account status '' That's nuts, I had paid the account!!!!! 
This whole experience has been a cluster. 
PLEASE STAY AWAY FROM THIS COMPANY FOR YOUR OWN SANITY.
Product: Mortgage

The lender was provided a loan modifcation package on XXXX/XXXX/XXXX - the lender has done nothing but make request after request for more docs to review the file - on XXXX XXXX we were advised that all docs were received except an updated Homeowners XXXX letter - The XXXX letter that was provided to them was dated XXXX/XXXX/XXXX from the XXXX - the lender still stated on XXXX/XXXX/XXXX that the XXXX statement provided was not current and they would not accept this statement because it did not show XXXX - As most lenders know the XXXX only provide statements quarterly - We feel was just a way for the lender to not have to review this client for a loan modification and kept delaying the review until they felt the need to close out the review on XXXX due to an XXXX statement not being provided for XXXX when the file was submitted at the beginning of XXXX XXXX - We fell this was a valid document for the review and request being made. We were also advised on XXXX/XXXX/XXXX that the file was denied because of net present value would n't be worth modifying not enough equity - this is an unacceptable review of this clients file and a violation of RESPA
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following inquiries on my credit report, which are unauthorized and fraudulent : - XXXX XXXX XXXX XXXX ( Multiple inquiries on XX/XX/XXXX- XX/XX/XXXX ) - XXXX XXXX XXXX ( XX/XX/XXXX, and XX/XX/XXXX ) - XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX  ( XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX, XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX  XXXX XXXX ( XX/XX/XXXX, and XX/XX/XXXX ) - XXXX  XXXX XXXX ( XX/XX/XXXX ) I spoke with a representative from XXXX, who informed me that the reporting income was tied to an employer, *XXXX* XXXX with whom I have never been employed. This information is not only inaccurate but also fraudulent. 

I have already contacted all three credit bureaus ( XXXX, XXXX, and XXXX ) to request the removal of these inquiries. I am asking that these fraudulent inquiries be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am coming to beg for help, My husband was a XXXX and was laid off when the economy tanked. We went to Bank of America who right after bought out Countrywide. We filed out paperwork for a modification, I would call every Monday, I always got a different story, after several months they would give me some excuse and I would have again do paperwork. I called consistently and this went on until I had done the paperwork, faxed or emailed them 10-20 times. Close to a year and a half I was getting scared frazzled. I called them weekly at this time afraid anytime they would take our home. They had this stupid little guy come every week hand me a piece of paper saying call the bank, he then would take a picture of the house. It was so so embarrassing, we live in a nice neighbor hood. I would tell them I call the bank every Monday dang it. 



After all of these, I typed a letter explaining everything that went on with them for almost two years. I sent it to every government office I could. To my surprise the Attorney General in XX/XX/XXXX called me and stepped in to help. After all this stress and worry we put our home we loved on the market, because we were so worried and stressed to the max. By the time the Attorney general got them to move we had a contract to sell our home for less than we bought it 10 years before. By the time countrywide had reamed us in helping us years early. Our home we purchased for XXXX had a balance of XXXX after 10 years of payments. 



Here is my problem I need help with, I have been fighting our credit reports with Bank of America begging for them to either delete our account off both our credit reports with all three credit reporting agency. In all fairness, my husband after being laid off landed another Job. We could had made our payments, but Bank of America was still working on a modification. They said the first dispute in XX/XX/XXXX that we short sold our home instead of taking that make 4 payments and then we will give you a modification. They only offered after the Attorney General stepped in, we had accepted a short sale contract. 



I feel it is not our fault there is years of 120 days late on our report, they have been holding us hostage since XX/XX/XXXX. We can not buy a home, car without paying 22 %, my husband is XXXX this year, I am XXXX. I have just fought XXXX XXXX, my husband needed XXXX but we cant take a loan because of Bank of America. They ruined people which is on them and in all fairness should delete their mistakes for good people. 



Please we do not deserve to keep paying for what was a mess with the Banking industry and I am tired of them holding us hostage. Why is this all on us, I did not drag my feet and make them jump through their hoops and jerking us around. 



XXXX and XXXX XXXX XXXX
Product: Checking or savings account

Bank of America stole my identity and used it to open up mortgage accounts in my name used for who knows what.
Product: Checking or savings account

My Chase XXXX checking account was locked and then closed by Chase due to " unusual activity, '' while I or my account was never involved in anything " unusual '' or illegal by any means. The account was locked around XX/XX/23 and officially close very soon after XX/XX/23. There is a remaining balance of {$1800.00}, which I still have not yet received in the form of a check from Chase, after more than XXXX  months now. The servicing team over the phone nor the branch has never given me any exact response about whether and when my money will be returned.
Product: Credit reporting or other personal consumer reports

I'm grateful for the XXXX XXXX 's assistance in addressing the inquiries I requested to be removed from my credit report. However, my concern now is with the fraudulent inquiries still present in my XXXX and Equifax Credit Reports. I urgently require the removal of the following inquiries. I kindly request that these inquiries be removed as soon as possible : XXXX : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  : XXXX XXXX  XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX I purchased furniture for XXXX. It was purchased at XXXX XXXX in XXXX Nc. I put down XXXX and XXXX was financed through American first finance who are saying that I still owe over XXXX after paying XXXX every XXXX weeks since XX/XX/XXXX. Ive made over XXXX dollars worth of payments and I put down the deposit. This is predatory lending and they say they dont charge interest. I did not sign the contract my daughter did because the sales person at the store was having problems with their system and the company emailed it to my daughter. These are not the terms outlined to me and I was told by American freight that I would pay the furniture off in a year. They can not give me any clear explanations as to what the secret charges are and Im very stressed and o. The verge of being homeless because they automatically take these payments and the cost of living is so bad
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 how to remove the XXXX items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXXwww.ftc.gov to file a report Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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

in accordance with the Fair Credit Reporting act XXXX Account listed below, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX acct # 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 168. 

XXXX # XXXX, XXXX and XXXX # XXXX, XXXX XXXX  # XXXX, # XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX. Have violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting 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: Prepaid card

For XXXX I was gifted an American Express gift card with a balance of {$50.00}, I activated the card, checked the balance, and called the company, but the card literally declines everywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX fraudulent XXXX XXXX accounts were opened between XXXX and XX/XX/2023 ( Im not sure the exact date as i didn't open them, im giving information based off my credit report ). 
Balances for each accounts are {$2600.00}, {$2500.00}, and {$1600.00}. They were opened using my information, including social security number, address and possibly my personal cell number. I filed a police report, and currently in process of changing my social security number, phone number, etc. I need those accounts removed from being associated with my name on every aspect, whether it's my credit report or something else, and my credit restored back to 750+/ back to normal, as they were opened fraudulently.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that 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 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 {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2023 XXXX