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

Please be advised this is my 2nd attempt in trying to resolve this matter. Equifax claimed my recent complaint was not specific enough in regards to the fraudulent accounts despite the fact they have received SEVERAL dispute letters listing the fraudulent related accounts. Accounts related from identity theft are 1. XXXX # XXXX, 2. XXXX XXXX # XXXX, 3. XXXX XXXX XXXX # XXXX, 4. XXXX XXXX # XXXX, 5. # XXXX XXXX # XXXX # 6. XXXX, XXXX   # XXXX. Over the past several months I have been going back and forth with all three of the major consumer reporting agencies through direct mail and via phone regarding items appearing on my credit file. I have sent dispute letters along with other correspondence in regards to my identity being compromised which ultimately has lead to fraudulent accounts being created under my name. It has been over 30 days of my most recent dispute which included an identity theft report from the Federal Trade Commission. The FTC Report included some of the accounts in question due to being established through identity theft. I also requested that several fraudulent addresses or other personal information to be removed from my credit file which neither has been updated. I am aware the Credit Bureaus have 30 Days to investigate and most remove disputed fraudulent items if accurate verification can not be completed. At this point my consumer rights have been violated under the Fair Credit Reporting Act Section 605b, 609, and 611 and XXXX  has not provided me with any type of documentation supporting anything. I am also aware of the automated data furnisher or e-Oscar verification pacer system which is not considered accurate verification when it comes to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Put in a Dispute for a fraud account with Experian. The customer service representatives, after calling twice ( XXXX & XXXX ) would not help and take care of this fraud account on my credit report. I have purchased fraud protection and other fraud products from this company to prevent this from happening as I have been a victim of identity theft.
Product: Credit card

**Statement Regarding Unauthorized Reporting of Private Information** I am deeply concerned about the unauthorized reporting of my private information to credit bureaus by Bank of America XXXX This violation of my privacy rights undermines the integrity of my credit profile and contravenes regulations outlined in the Fair Credit Reporting Act ( FCRA ) and the Privacy of Consumer Financial Information ( Regulation P ). 

As outlined in the FCRA, consumer reporting agencies must only furnish consumer reports in accordance with the written instructions of the consumer to whom it relates ( 15 U.S. Code 1681b ). Furthermore, Regulation P mandates that financial institutions provide notice to customers about their privacy policies and practices, including the conditions under which nonpublic personal information may be disclosed to third parties ( 12 CFR 1016.4 ). 

The unauthorized sharing of my personal information by Bank of America is unacceptable and must be rectified immediately. I hereby demand that Bank of America take prompt action to remove all unauthorized information from my credit report and cease any further unauthorized reporting of my private information. Failure to comply may result in further legal action to enforce my rights and seek appropriate remedies for any damages incurred. 

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

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5900.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$12000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$12000.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$11000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Vehicle loan or lease

I contacted Nissan Motor Acceptance in regards to my lease and I reviewed the contract and the mileage was incorrect. They show the original mileage being XXXX miles. However, when I contracted the lease the mileage was way above that. I'm not sure what type of tactics there are using however, this could have cost me money at the end of my lease. I called and spoke to a representative and she reviewed title and it showed that the vehicle had well over XXXX miles. She stated that it could have been a typo however this could have been very expensive at the end of my lease.
Product: Debt collection

On XX/XX/2021 I received an unsolicited wire communication via text message on my cell phone from Wakefield & Associates ( " Wakefield '' ). They are a debt collection company. The communication included false representations and fraudulent pretenses. I am aware that I am the Original Creditor for the alleged debt they attempted to collect from XXXX which is funded by my open end credit plan. I NEVER gave my direct consent for Wakefield to communicate with me at all. Their company is guilty of committing wire fraud. 

On XX/XX/2021, I called Wakefield and spoke to a representative by the name of XXXX. I included a copy of the call recording via the email address that was provided to me on the call : XXXX. The employee stated that she could view my full social security number. This constitutes identity theft. Pursuant to 12 CFR 1022.3 ( h ), " Identity theft means a fraud committed or attempted using the identifying information of another person without authority ''. I never consented to my information to be shared. I also issued a cease and desist to XXXX prior prohibiting them from communicating with 3rd parties and debt collectors. 

I mailed a complaint and invoice to Wakefield that they received on XX/XX/2021 as evidenced by USPS Electronic return receipt. I still have not been compensated. 

I spoke to a few representatives of the company on XX/XX/2021 and they informed me that they were no longer able to access the alleged account. That did not fully resolve my issue. I demand compensation and I am willing to sign a non disclosure. 

I spoke to a representative named XXXX on XX/XX/2021 and was told to leave a voice mail and my call would be returned the same day. It is now XX/XX/2021 and I still have not received a call back. I did issue a cease and desist to the company but I included a stipulation where I do allow communication with me regarding remitting payment for violating my consumer rights and invading my individual privacy.
Product: Mortgage

I filed bankruptcy in 2009 but reaffirmed my mortgage with Wells Fargo. I have paid on my mortgage as agreed since reaffirming but Wells is not reporting my payment history to the credit bureau. They show the mortgage as a foreclosure with a XXXX balance. I have applied several times to refinance my mortgage but keep getting turned down because my account with Wells shows as a foreclosure and no balance. My current rate is over 6 % and ca n't help believe that Wells is doing this on purpose to prevent me from re-financing my debt to get a lower interest rate. I have contacted them several times but they keep telling me they are not required to report my current payment history to the credit bureau. I wonder what Wells would do if I stopped making payments on my mortgage loan. Do you think they might find a way to report my payment history then?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request to transunion as well as XXXX on the XXXX of XX/XX/2020 requesting a verification of the verified item they reported from the first dispute letter and giving them 15 days to response, as of yet i haven't gotten any verification nor deleted the items from my credit report
Product: Money transfer, virtual currency, or money service

I have been involved in an online scam, I paid a total of {$1100.00} to purchase a puppy through a website selling XXXX. I have contacted the person/company to no avail. I contacted my bank to inform them of the fraud/scam in hopes to stop & retrieve my money back. Since I used XXXX, I was told that it was too late since it was already processed & to file a small claim. The problem is I am in one state & the purchase was made in another state. I researched the address & company further & it seems to be non-existent other than the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX, I ATTEMPTED TO SUBMIT A DISPUTE TO EQUIFAX, XXXX AND XXXX FOR THE FOLLOWING AND I WAS NOT ABLE TO. I RECEIVED MESSAGES THAT A DISPUTE WAS UNABLE TO BE PROCESSED ONLINE, HOWEVER, EQUIFAX, XXXX AND XXXX  ARE HOUSING INACCURATE INFORMATION ON MY CREDIT REPORT. 

FOR THE COLLECTIONS ACCOUNT FROM THE CREDITOR XXXX XXXX AND XXXX THEY ORIGINALLY PLACED A COLLECTION ACCOUNT ON MY CREDIT REPORT ON XX/XX/XXXX AND IT HAS BEEN ON MY CREDIT REPORT FOR OVER SEVEN YEARS. IT SHOULD HAVE BEEN REMOVED ON XX/XX/XXXX BUT EQUIFAX, XXXX, AND XXXX CONTINUE TO REPORT THIS INFORMATION ON MY CREDIT REPORT. 

ALSO, THE CREDITOR CONTINUES TO UPDATE THE DATE OF REPORTING IN ORDER TO KEEP THIS NEGATIVE INFORMATION ON MY CREDIT REPORT LONGER THAN SEVEN YEARS. THIS NEGATIVE INFORMATION HAS BEEN ON MY CREDIT REPORT FOR SEVEN YEARS AND DUE TO FAIR CREDIT REPORTING ACT, IT IS REQUIRED TO STAY ONLY SEVEN YEARS, THUS I AM DEMANDING AN INVESTIGATION BE DONE INTO THIS AND THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

******************* ALSO I WAS UNABLE TO DISPUTE THE HARD INQUIRIES THAT WAS PLACED ON MY CREDIT REPORT ON XX/XX/XXXX IN ERROR. THESE HARD INQUIRIES WERE DONE IN ERROR AND INITIATED BY XXXX XXXX. I WAS UNABLE TO DISPUTE THIS ON EQUIFAX, XXXX AND XXXX WEBSITE. THE FOLLOWING ARE OUTSTANDING ISSUES : -THE INABILITY TO DISPUTE ONLINE ON THESE SITES FOR ALL CREDIT BUREAUS -DISPUTE THE HARD INQUIRIES -DISPUTE THE COLLECTION ACCOUNT PLACED BY XXXX XXXX XXXX XXXX DUE TO THE COLLECTION ACCOUNT REMAINING ON MY CREDIT REPORT PAST SEVEN YEARS, THE LIMIT FOR THESE ACCOUNTS. 

I HAVE ATTACHED EXCERPTS FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Vehicle loan or lease

On XX/XX/year> these Companies pulled my credit profile without my Authorization. This incident was reported as identity theft & should be removed from my credit profile. 

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: Checking or savings account

Wells Fargo has been allowing others cash my personal check and taking money out my account
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! I will never stop filing complaints against you because I know my rights! 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 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

I have inaccurate reporting on my credit, an old loan that is reporting as new. Experian did not complete a full investigation or provide proof of the debt/original signed contract. This should not be showing on my credit. I have disputed the same debt and had it removed. The debt was sold to a new collection agency and reporting as new.
Product: Checking or savings account

I am writing to formally lodge a complaint against XX/XX/XXXXXXXX, XXXXXX/XX/XXXX Chase, and XXXX regarding their refusal to open accounts for me, as well as the abrupt closure of my account with XX/XX/XXXXXXXX without prior notice or explanation. I believe these actions may reflect discriminatory practices against me as an XX/XX/XXXX individual. 

On several occasions, I have attempted to open accounts with these financial institutions, only to be met with refusals and no clear rationale for their decisions. Despite my efforts to seek clarification, I have received no satisfactory explanations or reasons for these denials. This lack of transparency raises concerns about potential discriminatory practices that may be at play. 

Furthermore, I would like to bring to your attention the troubling experience I had withXX/XX/XXXXXXXX. They closed my account without any notice, leaving me without access to my funds. This action has caused me significant financial distress and has further contributed to my feeling of being treated unfairly. 

I urge the OCC to investigate these matters thoroughly. It is crucial that financial institutions uphold the principles of fairness and equality in their operations, ensuring that all individuals, regardless of their background, are afforded the same opportunities and treatment. 

I appreciate your attention to this serious matter and look forward to your prompt response.
Product: Debt collection

I had to claim bankruptcy and w as discharged back in  XX/XX/XXXX . Af ter that we moved from  XXXX  to  XXXX .  XXXX   utility company was  included in this BK. This past month I get a collection on my credit report with   XXXX   XXXX   for {$560.00} with original creditor being  XXXX  and opened   XX/XX/XXXX . We   have not lived in   XXXX    ( wh ere  XXXX  is provided ) sin ce  XX/XX/XXXX a nd they were included in the Chapter  XXXX  bankruptcy. Their only contact was this collection put on our credit report. It states their information is   XXXX   XXXX   XXXX   XXXX     WA  XXXX . I ca n't even do a certified letter to them as they only have a  XXXX   XXXX   .
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX-Balance {$4900.00} XXXX XXXX-Balance {$790.00}
Product: Bank account or service

Please remove this from credit report. This item is past statue of limitations according to the state of Georgia.
Product: Checking or savings account

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. Buyer requested to pay via XXXX. Requested my email & full name. Stated had sent the {$400.00} payment for the washer & dryer via Seller. Received email stating my account was not set up as a business account. XXXX requested buyer to stand as guarantor to my account be sending {$600.00} to help maximize my limit and upgrade my account limit. When buyer made additional payment then I received a confirmation email that the money was sent. Buyer requested I reimburse him {$600.00}. Buyer played on on my faith to gain my trust. Money sent to Seller account : XXXX with name XXXX XXXX. XXXX initially showed pending then buyer stated having issues with his account so requested I send to his co-workers XXXX account : XXXX with name XXXX XXXX. {$600.00} sent and transaction completed. Buyer stated received email from XXXX they had server error which caused double payment of {$600.00}. Requested I send another {$600.00} and they would credit my account {$1600.00} and then buyer would reimburse me {$1000.00}. Requested money be set to Seller account : XXXX with name XXXX XXXX. Buyer pressuring to hurry. Requested me to cancel payment and XXXX to XXXX account : XXXX XXXX XXXX 
Then revived call and email from Wells Fargo that my online accounts were locked and I couldn't access. Called Wells Fargo as soon as I got the call and email and learned of Seller scam Submitted fraud report with Wells Fargo All of this occurred Sunday XXXX. Wells Fargo Checking account transaction dated XXXX and posted XXXX
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 XXXXXXXX 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 U.S.C. 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish 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

I came across the CFPB XXXX lawsuit. 
I feel I was negatively impacted. Hurting my chances at credit after receiving a response to my earlier disputes that the accounts were " verified ''. 
I have tons of unauthorized inquiries all over my reports from XXXX, equifax, and XXXX, affecting my accounts drastically!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, i sent my first dispute to Equifax asking them to furnish all information that could tie me to the debt they claimed I was liable for. They failed to do so and closed my dispute stating the information was " VERIFIED '' but failed to state how or show me any original documentation. On XX/XX/XXXX i sent my second dispute to Equifax again asking them to furnish all documentation such as original contracts, signatures or an agreement I agreed to involve this debt as well as to complete an independent investigation and not a computer response. According to the USPS, they received the letter on XX/XX/XXXX but It been over 30 days and I have not received any documentation or status regarding my second dispute. I checked my credit report to see if there was a credit dispute update on my file and there was none which leaves me to believe they did not even do an investigation this time. Lastly, on XX/XX/2021 I sent a 30-day nonresponse letter to Equifax with a copy of the letter I sent them on XX/XX/XXXX showing proof of my dispute.
Product: Credit reporting or other personal consumer reports

Date XX/XX/year>XXXX  Name : Xactus LLC I have called the company they were unable to give me any information on when I have applied for they service
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A, states that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2, states that a Consumer Reporting Agency can not furnish an account without my written instructions.

15 U.S. Code 1681e Section B - Accuracy of Report, states that Consumer Reporting Agencies shall follow reasonable procedures to assure maximum possible accuracy of the information. This account shows 30 and 60 days late payment on one credit bureau however, it shows 60 days and 90 days late on another credit bureau. I have never been late on a payment regarding account number XXXX from XXXX XXXX XXXXXXXX XXXX.
Product: Debt collection

Falsely publishing information on XXXX XXXX and XXXX. This debt Doesnt belong to me as Ive never been to XXXX Nor have I received any paperwork Or contracts stating they have the right to collect