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

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXXXX/XX/ Balance : {$450.00} XXXX XXXXXXXX XXXX Date of inquiry:XXXX TSYS Date of inquiry:XXXX XXXX Date of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, US DEPT VETS Company Inquiries : XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

Requested a payoff quote from Ocwen loan servicing. The document had almost {$22000.00} in XXXX fees, bill padding and unnecessary charges. 
EXAMPLE ; {$440.00} for " Mailing fees '' EXAMPLE ; " Foreclosure fee '', " Foreclosure expense '', " Foreclosure cost '' EXAMPLE ; " {$7800.00} for 'legal filing service ' '' Calls to the company have been met with stall tactics and refusals to provide information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts on my credit report that are fraudulent and those accounts are possible financial and XXXX XXXX Back in XXXX and XXXX I got my social security card stolen along with my ID and all my cards. I have been trying to dispute these accounts for months now. I reached out to possible financial explaining the situation and that I never had an account with them and in an email the representative XXXX on XX/XX/XXXX stated that my email address does not match to any account on their records and I informed them that I know but an account is being reported on my credit report and its damaging my credit worthiness and stopping me from buying a house. I also contact XXXX XXXX on XX/XX/XXXX and I spoke with a XXXX and a XXXX and both of them said the only account they found under my name is a corporate account from my current job and position as a branch XXXX at XXXX XXXX XXXX XXXX and nothing else and when I explain that a credit card that is reporting on my credit report as charged off and is not mine when they looked it up they said it was attached to a XXXX and I dont know who that is. Ive been trying to dispute this with XXXX and XXXX and they keep updating the information allowing the fraud to stay on my credit report. I have provided numerous of police reports and supporting evidence that these account are not mines but they keep allowing them to stay. I filed a report with the Federal Trade Commission and attached it to the dispute, I even filled out possible financials affidavit and attached to the dispute for documentation and yet they still keep updating the information. My credit means a lot to me and having these fraudulent accounts on my credit report bringing my XXXX XXXX down and tarnishing my name and creditworthiness and stopping me from being able to build my future and life is devastating. I have disputed these accounts so many times on numerous occasions providing strong documentation showing these accounts dont belong to me and yet they still are allowing them to stay on my credit report and XXXX still being punished with these fraud accounts that do not belong to me and I need them gone off my credit report immediately.
Product: Credit card or prepaid card

Conn 's XXXX recieved a claim to verify an alleged debt. Pursuant to 15 usc 1692g ( 4 ) as of XX/XX/2021 I have not seen nor am I aware of the validity of the alleged debt.
Product: Debt collection

I sent two letters for validation to LVNV Funding LLC on an account posted to my credit report. First letter sent XX/XX/XXXX with NO validation. Second letter sent on XX/XX/XXXX again NO response with validation.
Product: Credit reporting or other personal consumer reports

I have submitted several requests for my report to be updated they have a block on my account that I have called several times to have removed and they continue to put it back. In addition they wont actually contact they company directly to update my credit report the creditor ( NFCU ) keeps saying they are sending them updates. Attached is a statement I have sent them a statement one for past 2 months and they refuse to do a thorough investigation to correct my report. This is hurting my ability to obtain to do business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dozens of hard inquires posted on credit report. Unauthorized inquiries. I have not been searching for applying for credit recently. All inquires from XXXX to XXXX were unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  and Experian verify their public records. 
I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. 
I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. 
Being that I work for a law firm, I know the court system and their procedures but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the courthouse. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. The manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuse to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Vehicle loan or lease

westlake financial s transfered my information over to XXXX XXXX  and they have called me and sent me collection statements for payment i contacted them by phone and asked why they are violating federal law by contacting me when there is anautomatic stay in place in bankruptcy and i was told that they were wanting me to reaffrim with them i stated that i never had any contracts with them ( XXXX XXXX ) and if they have my information how did they get it they the agent XXXX would not provide her name only the agent number and i asked for any agreement that they have that states that i gave them promission to contact me and violate the FDCPA laws and right to privacy Act, and also mail fraud. I was told to contact wet lake which i did XX/XX/XXXX @ XXXX and was told that yes they did send my information over and yes they do know that i have bankruptcy. and they also too a {$750.00} payment on XX/XX/XXXXXXXX  ; which was after the filling. also it has been place on my credit profile which bankruptcy court do not report to credit agency ; after i contacted them i was block from online account Bankruptcy Code Section 524 ( a ) ( 2 ) : This provision prohibits creditors from harassing debtors. Sending a payment statement to a debtor who is in bankruptcy could be considered harassment. 
Bankruptcy Code Section 526 ( a ) : This provision prohibits creditors from discharging debts that are not dischargeable in bankruptcy. Sending a payment statement to a debtor who is in bankruptcy could be considered an attempt to collect a non-dischargeable debt.
Product: Credit card

My name is XXXX XXXX I have a Capital one credit card that has over XXXX worth of fraud unauthorized charges on it, I reported it to Capital One I haven't used the card in quite sometime I was making payments on it and the balance was never going down and then I had a fraud incident with something else which made me go looking at all my stuff, I seen over XXXX worth of charges on my credit card I didn't have the card in my possession I let Capital One know I didn't have it, they shut it down and they issued me a new number but not a new card, Then I get a letter a day later on the portal stating my investigation was complete they only took off XXXX of the over XXXX worth of charges. I am NOT paying for charges I did not make, this company has a zero fraud liability but wants to tell me they are having a hard time investigating these charges that is not my problem. These charges were not made by me and I am not paying for charges I did not authorize. And on top of that they are reporting this as late on my credit reports. Can you please help with this
Product: Credit reporting or other personal consumer reports

I recently review my credit report and noticed a reinserted account on my consumer report.

Consumer Financial Protection Bureau Subject : Complaint Against [ TRANSUNION ] for Violation of FCRA Section 611 ( a ) ( 5 ) ( B ) Dear CFPB, I am writing to file a formal complaint against [ TRANSUNION ] for violating the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( B ). 
I previously disputed an account XXXX XXXX account number XXXX, on my credit report, which was found to be inaccurate, identity theft and subsequently removed. However, this account has been reinserted into my credit report without any notification from [ TRANSUNION ] within the required XXXX business days. 
This action is in direct violation of FCRA Section XXXX ( a ) ( XXXX ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing. 
I have already contacted [ TRANSUNION ] regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that [ TRANSUNION ] complies with FCRA regulations and corrects this issue immediately. 
Attached are copies of all relevant correspondence, including my initial dispute letter, confirmation of the account 's removal, and my recent dispute regarding the unauthorized reinsertion. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XX/XX/XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a credit card account opened atXX/XX/XXXXon XX/XX/XXXX under the account number XXXX, a credit card account opened at XX/XX/XXXXXXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account name XXXX consumer acct number # XXXX XXXX XXXX XXXX acct number # XXXX has violated my rights. 
15 USC SECTION 602 states i have the right to privacy.

15 usc 1681 section604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written instructions.

15 usc 1666b : a creditor mat not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Prepaid card

I have an Am Ex gift card in the amount of {$300.00} given to me as a gift. It was frozen by AmEx and they say it has a balance of {$190.00} but frozen on their end. I called them on XX/XX/year> to report it frozen and they read off charges which I did not recognize any of the charges on card and said it now only had balance of {$190.00}, which should be {$300.00}. They asked me to send them a copy of my license, and utility bill to prove my identity which I did that day and they would issue new card. 
I called every XXXX days since that time and each time I called I got the same response.Have you sent in your documentation and call back in XXXX hours. I have called back two more times in XXXX and the following times in XXXX XX/XX/year>, XX/XX/year> and XX/XX/year>. Same response call in XXXX hrs. The number I call is XXXX. I am exhausted and very upset as this is a {$300.00} card. Please help.
Product: Checking or savings account

There has been over XXXX transactions withdrawn and deposited from a fraudulent XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

I am reaching out to dispute inaccuracies in my credit report that are negatively impacting my financial standing. After carefully reviewing my file, I discovered accounts and inquiries that do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any information that is inaccurate, unverifiable, or outdated, and I take this matter seriously. 
Below is the list of fraudulent accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was sent a wire on XX/XX/XXXX in the amount of {$24000.00} from a company and bank Ive received multiple wires from of varying amounts over the last 6-12 months. As an XXXX XXXX, my pay is sporadic. I should have received the money XX/XX/XXXX as it was sent before the same-day deadline. Bank of America, without informing me, placed a hold on the money. They wont tell me why other than it was flagged for compliance reasons. I had to call monday XX/XX/XXXX when the money still hadnt come for them to tell me there was a hold. My account is currently negative because payments have gone through that should have been covered by my incoming wire. They told me they had questions for the bank sending the money and they hadnt heard a response. The sending bank said they hadnt received any questions. Tuesday, XX/XX/XXXX the sending bank received and responded to the questions. My account is negative, Bank of America has been unhelpful, and theyve left me in the dark holding money I need for my family. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items 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 are not relating to any transaction by the consumer. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. Specifically, I have marked the following accounts as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I verify that I never made late payments to any student loan accounts with XXXX. And to verify that said loans belonged to me bearing my signature. All else is fraud and identity theft. 

Under ( FCRA ), 15 USC section 1681i, companies has to correct/update and remove accounts.
Product: Checking or savings account

XX/XX/2022 chase bank closed my account with out Notifying me I had XXXX plus XXXX I had deposit therere refusing to give me my funds I went in, in person to ask why had they closed my account they said they seen some fraud activity but I clearly stated it was my mothers check she was Present as well stated her ID and said her self she had allowed me to deposit her check since Chase bank has the third party check exchange, I showed them all the Proves they asked to provide to show theres no fraud going on and yet therere refusing to give my my funds and there saying the have Possession yo hold my funds for up to three years. After proving and providing what they asked for now to them Im a criminal and fraudulent XXXX I dont find that right. I as well contacted the police case number XXXX deputy XXXX, badge # XXXX my name is XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a contract nor any contract with LVNV FUNDING LLC. I have never done business with this company. I am not liable for collect from this debt from XXXX XXXX XXXX XXXX XXXX I am not responsible for this debt from LVNV FUNDING LLC. I am asking for an original signed contract, including any electronic signatures, full payment history from the original creditor, and the original purchase agreement, and if the company can not provide all three of these the debt is in fact invalid and needs to be immediately removed from all three credit reports.
Product: Debt collection

XXXX XXXX2018 I pulled my credit and saw CBSA collections listed for {$3700.00}. I contacted the credit beurus and CBSA to have it removed as I do not know of this debt. XXXX XXXX2018 I sent certified letters to the collection agency asking for validation of this debt containing any contract I signed with this company or proof of their right to collect on this debt and the amount that they are requesting. They responded with a typed itemized bill which does not consitute as validation per FDCPA. I have no contract with CBSA nor do I owe the debt they are claiming. They have not able to provide any document that I have requested to prove my ownership. This needs to be removed from all 3 credit beurus  immediately.
Product: Credit reporting or other personal consumer reports

I called XXXX and was told in so many words there is nothing they could do over phone and was directed to web site. Once I got to web site the website itself did not work. I repeatedly called and attempted to use web site to no avail. I also discovered that my information was compromised in the most recent XXXX data breach and I still did not get any response or assistance. 
I'm constantly getting identity and other fraud alerts when I apply for credit. Also theirs missing and inaccurate info on my credit report. When I spoke to XXXX they did not help me. My credit score comes up XXXX or unusually low also when creditors run my credit. I have spent/wasted hours or days on phone trying to get it fixed. This has costed me time, energy, and money. I have also been denied access to credit which is having a negative impact on my quality of life.
Product: Credit reporting

Dear Sir or Madam : I am a veteran, recently I relocated to the state of XXXX. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.
Product: Credit card or prepaid card

I trying to get a PayPal account. Company allege that in 2014 was open an account with my credentials. The area code phone is not the same that my area code phone. The email coincide, i don't know how. I am in this nine days by phone without callback nor results all times that i called.

I sent from carrier mobile the information of my account.
Product: Checking or savings account

We received a text from Wells Fargo that a suspicious charge was made on our joint checking account. We checked our account and didn't see said charge. The following day we received a call from a Wells Fargo number stating our account had some suspicious charges on it. At no time during the call was any " critical '' information given over to the caller. Somehow during this call, a hacker got into our accounts and transferred all the money into one account and then took the money out through a stolen debit card number attached to an apple pay account. We have asked for an investigation multiple times only to be denied due to the alleged transaction was legit. We provided a copy of the text message that was sent, the copy of the alleged Wells Fargo call and the bank name and last four digits of where our money disappeared to. We involved our local banker and to no avail we have not been credited our money back. We have been a Wells Fargo client for XXXX plus years and frankly were treated like we were the criminals. We understand that you need to be diligent to the scams and at no time was any critical information given to the scammers/hackers. We feel Wells Fargo just is waiting for us to give up!! Please help us resolve this matter.