23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX XXXX my credit was checked 11 TIMES without my permission and authorization. These inquiries were done fraudulently. Please remove. 


XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

An attempt to obtain a XXXX XXXX ' Master Card in my name was made with Citi Bank . They notified me via phone on XX/XX/2020 and gave me the application number, which was denied. 
My personal information was used in the application, but the email for response was to an address ending in 'XXXX. ' along with a request to send {$5000.00} to an address in Florida. 
I have notified XXXX and requested a 1-year fraud alert. 

This may be related to any of several data base breaches that I have been notified of in recent years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow up endeavor to tell you that I am a victim of identity theft and I complain to questionspecific records in my document coming about because of the wrongdoing. The records I amquestioning connect with no exchanges acquiring any possession of goods, services or money that Ihave made or authorized. Assuming no one cares either way, block the noteworthy of any information inmy credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XX/XX/XXXX - My card is fraudulently used on a {$3.00} charge to XXXX XXXX Channels. I didn't notice because I had never once used this card and never set up autopay. 

XX/XX/XXXX - I prequalify to buy a home ( Attachment XXXX ). 

XX/XX/XXXX - I receive an email from my XXXX credit card monitoring service ( Attachment XXXX ) notifying me that a 120-day overdue balance has been added to my credit report. I check my report and see the {$3.00} overdue balance and immediately log into XXXX and pay the balance plus interest ( a grand total of {$6.00} ) the same day ( Attachment XXXX. 

XX/XX/XXXX - I get a home under contract ( Attachment XXXX ), but two days later on XX/XX/XXXX my VA lender informs me my credit score has nose-dived to XXXX due to the late payment hitting my credit report ( Attachment XXXX ). My XXXX score was in the XXXX range on XX/XX/XXXX ( Attachment XXXX ). 

XX/XX/XXXX - I call XXXX and report the {$3.00} transaction as fraudulent ( CASE # XXXX ). They pass me back and forth to a few departments and tell me I'll receive a letter with the results ( Attachment XXXX ). The same day I received a letter from XXXX saying the case had been resolved in my favor, and they credited the {$3.00} back to my account ( Attachment XXXX ). 

XX/XX/XXXX - I create a XXXX account and dispute my late payment history since the Fair Credit Report Act forbids reporting derogatory information resulting from fraud. I received the results on XX/XX/XXXX, but the late payment history was still there, so I disputed again on XX/XX/XXXX and received the same non-result on XX/XX/XXXX ( Attachment XXXX ). Same thing with Experian and XXXX but only one dispute each. 

XX/XX/XXXX - My VA mortgage application is declined ( Attachment XXXX ). 

XX/XX/XXXX - After multiple extensions, the seller terminated my contract, and I lost {$5200.00} in earnest money, inspection, appraisal and other fees ( Attachment XXXX ).
Product: Mortgage

The payments posted by Wells Fargo on XX/XX/2020 should have been transaction posted as of XX/XX/2020 ( for {$4000.00} Principal payment XXXX and XX/XX/2020 for the {$3200.00} mortgage payment that was due on XX/XX/2020. That is what were the Original transaction dates for these transactions with the prior Servicer, before Mortgage servicing was moved to Wells Fargo. Please correct the transaction dates as I am being incorrectly and unfairly duped into paying more interest even though I made those payments almost 2 months ago. Please advise. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX Date Opened XXXX. XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter in XXXX and I still have not heard from the credit bureau
Product: Mortgage

I signed up with LendingTree.com as I wanted to learn more about mortgage rates and do some online comparison shopping. I did not realize that LendingTree would send my phone number and email to at least a dozen lenders. For the last 3 days I have been inundated with multiple phone calls and emails. Several vendors have been calling nonstop. At least one vendor checked my credit without my permission. LendingTree 's website does not appear to have any way to close my account and cancel the harassing phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I disputed that there are inaccurate accounts on my report that need to be deleted immediately. 2 collection accounts ( XXXX XXXX XXXX XXXX XXXX XXXX ) 2 closed accounts ( XXXX  XXXX ). I'm pursuant to the FDCPA and FCRA SECTION 15 USC 1681 ( a ) ( b ) and Section 15 USC 6802...
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX BALANCED {$6000.00} XXXX XXXX XXXXXXXX BALANCED {$2100.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX BALANCED {$1300.00}
Product: Checking or savings account

Hello Team, I am writing to formally dispute the locking of my Bank of America account XXXX XXXX XXXX, which I was informed of following the deposit of a check, which I got from a person act as HR of a company, that later returned as unpaid. I want to clarify that I was a victim of a fraudulent job scam and acted in good faith, following standard procedures and instructions provided by the bank. 

Background of the Incident 1. I applied for a job with a company claiming to be XXXX, and after an interview and task, I was offered a position. 
2. As part of the onboarding process, they requested my banking details and later issued me a check for {$9900.00}, which I was instructed to deposit. 
3. Before depositing, I approached a BoFA relationship manager for verification, but I was directed to use the XXXX deposit feature instead of receiving a manual review. 
4. After depositing the check via mobile scan, Bank of America returned the check as unpaid, at which point I immediately attempted to contact the employer, but they became unresponsive. 
5. Instead of discussing this issue with me, Bank of America abruptly closed my account ( I got to know when i went to bank to discuss and inform them that i have been scammed ), instead of understanding my situation they refused to provide a reasoned explanation or resolution when i also called their customer support and never bothered to listen my case even though I have all the proofs of emails and screenshots. 

Reasons This Closure is Unjustice I am a fraud victim, not a perpetrator. I had no knowledge that the check was fraudulent. I acted in good faith and reached out to BoFA for help before making the deposit. 
Bank of America failed to conduct due diligence. When I sought assistance, the relationship manager did not review the check, instead instructing me to deposit it myself. 
Immediate account closure without review is excessive. I was given no opportunity to clarify my situation, nor was I provided with a formal dispute process. 
This decision affects my ability to bank elsewhere. If my account has been reported to XXXX or XXXX XXXX XXXX XXXX XXXX XXXX  I request immediate correction, as I was not involved in this fraudulent activity. 

Please help me to maintain my bank account. your assistance is highly appreciated. 
Looking forward for a resolution. 
Regards, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  retaliated againgst me for reporting them. Fraudulently stated I recently reported identity theft which I did not. Multiple disputes used the cover that I reported identity theft to avoid handling my legitimate disputes with XXXX XXXX, XXXX and XXXX. XXXX should be investigated today the lowered my credit score 68 points because of XXXX XXXX a company that failed to advised what happen to my return and what they are ruining my credit over. XXXX  should be fined for manipulating my credit score showing as if XXXX XXXX is a recent legitimate debt. Without showing debt or proof of debt.
Product: Vehicle loan or lease

Received letter in the mail approximately XX/XX/2022 offering lower interest rate of current vehicle loan. Letter was very specific regarding my current rate and what I was " pre qualified '' to get from their company. Current rate is 10 they offered 7.44. I then logged into their website and completed application based on prequalified offer. After a couple of days and 2 hard inquires I reached out to the loan guy who then offered me a rate of 15.7 ( XXXX ). I told him that was much higher than advertised. He told me that was their best deal. I emailed twice ( XXXX and XXXX ) asking to have the hard inquiry removed and he told me that he would pass on the management ( XXXX ) and was told I would hear back shortly.
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. XXXX XXXX XXXX, in amount of {$7700.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

After a very serious recent bout with  XXXX   XXXX   XXXX , in  XXXX  of  XXXX  I called the management office of a building I had to move out of in  XXXX  of  XXXX  ( due to my sickness and inability to work ) to ask what the balance was that I owed. I was told that " IF '' there was a balance it would be out of his hands and it would have been sent to a collection agency. He told me to call the building 's attorney for that information, so I did. The attorney told me she also was not sure, but gave me a number for the debt collection agency that they typically use. I immediately called that agency and spoke to a supervisor, who informed me that their company had no information on me AT ALL as of that day, and if they did receive anything I would be notified in writing/and or by telephone. That was more than 3 months ago. Today I received alerts from all   XXXX   credit agencies that I have a debt collection balance of {$7600.00} from a company called  XXXX   XXXX . To this day I have never received a letter or a telephone call, and yet they have damaged my credit without giving me an opportunity to dispute the debt. Of course this is against the law. As failure to send a written notice of  the debt is against the law, and according to the law the collector is required ( within five days of initially contacting me, which was NEVER done ), to send a written notice of the debt that includes : 1 ) The amount of the debt 2 ) The name of the original creditor to whom the debt is owed 3 ) A st atement describing my right to dispute the debt. NONE of these things were done. Therefore, I want this trade line removed from ALL  XXXX  of my credit reports IMMEDIATELY, and I would like an opportunity to go over the amount they say I owe, as I also believe that the amount stated is ALSO not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I need you to investigate the following account : CARMAX AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX In accordance to the fair credit reporting act this has creditor has violated my rights under 15 USC 1681 Section 602 states I have a " Right to privacy. '' 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B " A creditor may not treat under an open and consumer credit plan as late for any purpose. Im requesting immediate removal for the following occurrences of my rights being violated : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Once you have finished your investigations, send me an updated credit report to the address stated above. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 

In accordance with the Fair Credit Reporting Act below, the following accounts 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. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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  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 an account without my written instruction.
Product: Debt collection

I recently inspected my credit report and noticed several accounts that seem to have been added without my awareness.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues. 

It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.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. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 i sent letters to XXXX XXXX XXXX acct # XXXX asking them to validate this debt not verify. They sent me itemized list of charges fromXXXX XXXX I have also sent copies of debt validation letters to XXXX XXXX  and Transunion only to come back with response that it has been verified. How is that? when my rights as a consumer have been violated under FRCA and FCRA by XXXX XXXX XXXX. 

XXXX has them listed as a factoring company since XX/XX/2018 until current with conflicting open dates with the other credit reporting agencies and reporting late payments? How is that when a COLLECTION ACCOUNT DOESNT SUPPOSE TO REPORT LATE PAYMENTS? HOW WAS THIS VERIFIED OR VALID I have also filed a case with XXXX case # XXXX CASE # : XXXX Thats just 1 of the multipli inaccuracies!! Please help with this account so that i can be granted the justice I need.
Product: Checking or savings account

on XXXX XXXX, 2017 my daughter wired {$2500.00} from her Wells Fargo Account to a XXXX XXXX XXXX Account for an apartment she was planning on leasing in XXXX. After learning of the wire transfer I did some investigating and it became clear that she was scammed. I had the account number for the scammers XXXX XXXX XXXX account and called and tried to stop the transfer. I was told by a XXXX XXXX XXXX rep that the transfer was in progress and Wells Fargo needed to call XXXX XXXX XXXX to stop it.. Simultaneously, while I was on the phone of XXXX XXXX XXXX, my daughter was calling Wells Fargo to advise them of the scam. Throughout my call with my daughter I continued to text her to find out how the call was progressing. She texted back and told me she explained the situation but kept getting put on hold. Approximately, half an hour after she made the call to Wells Fargo she was told that the bank was opening a case. She was given a case number but when she called the next day, Wells Fargo had no record of the case. She had to explaining the situation again and was given a new case number. Needless to say, the money was taken by the scammer Wells Fargo did n't even speak to XXXX XXXX XXXX until XX/XX/XXXX ... one day later! Wells Fargo maintains that they are not responsible for the loss. I maintain that Wells Fargo is responsible for failing to take appropriate action and contact XXXX XXXX  XXXX while the transaction was in progress.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THIS ACCOUNT, IS NOT MINE XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my account and notice there were multiple hard injuries that were on my report that were all incorrect none of these are mine and need to be removed from all.
Product: Mortgage

My mortgage went up on me and XXXX not getting the hours at my job that I was getting XXXX I got my home and XXXX trying my best to make it being a single mother I just need my mortgage payment to maybe XXXX if that can be possible I just really need help and cant afford to lose my house
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX