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

At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from Ally Financial. On XX/XX/18 I sent a certified letter to Ally Financial requesting proof of " written authorization '' by me with my signature to pull my credit. Ally Financial failed to provide me with such proof. Thus I am assuming they have no such documentation and do not have written authorization from me to run my credit. I also did NOT authorize anyone to have Ally Financial run my credit. According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written  instruction ''. According to this FTC advisory opinion Ally Financial is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my XXXX  and XXXX  report or be provided proof I have given " written instructions ' to pull my credit. I am also aware according to FCRA Section 604 ( A ) ( 3 ) that Ally Financial is liable for a monetary fine if they fail to provide such  documentation. XXXX  and XXXX are liable for the monterey fines as well for reporting unverified information. 

https : XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX REFUSES TO INVESTIGATE DISPUTES THAT I HAVE FILED DUE TO IDENTITY THEFT. THE SANE DAY I SUBMIT DISPUTES WITH EQUIFAX THE COMPLETE THE investigation SAME DAY WITHOUT actually DOING THE PROPER investigation. I have sent Equifax a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to the company and inquiries that are the result of identity theft. As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that the information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Equifax has refuse to follow their responsibility.
Product: Credit card or prepaid card

Wells Fargo credit card online account provided offer under my account that 10 % additional cash back ( on top of regular 1 % cash back ) on grocery purchase. This offer was provided under my Wells fargo account under 'WELLS FARGO REWARDS ' section. 
I added offer on XX/XX/XXXX to my account and made purchase of {$500.00} at XXXX XXXX XXXX on XX/XX/XXXX. 
Please see attached screenshot for the 1 ) Activated WELLS FARGO REWARDS offer 2 ) XXXX XXXX XXXX transaction using wells fargo credit card. 
3 ) XXXX screenshot confirming that XXXX is a grocery store I did not get the 10 % cash back despite following all steps. I spent several hours explaining Wells fargo customer service who are not unable to help and surprisingly most of the customer service has no knowledge on wells fargo rewards program. 
I called Wells Fargo customer service at XXXX on 3 times already ( twice on XX/XX/XXXX and XX/XX/XXXX ). 
I was asked to wait until statement generated and it has been generated over 2 weeks and still customer service is unable to help and resolve my queries. Most of the customer service do not understand WELLS FARGO REWARDS program so they kept transferring me to different group and once they connect me to right person, they hung up the phone in the middle of conversation or while they are researching the issue. 

My credit card statement has been already generated I am entitled to receive {$55.00} cash reward for {$500.00} purchase on XX/XX/XXXX. ( A ) regular 1 % i.e. {$5.00} ( B ) 10 % additional ie. {$50.00}. So far I received only {$5.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX : Balance : {$510.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1200.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1500.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, the credit reporting agency ( listed in this complaint ) was notified via letter the accounts listed ( in the letter ) were a result of identity theft. As per FTC guidelines, the required document was mailed to the credit reporting agency supporting my claim. The Identity Theft affidavit, copy of drivers licence, police report, and copy of credit report accompanied the letter. The letter that was sent stated I did not open nor did I authorize anyone to open a said account in my name. According to the FTC policy, after being notified of such an identity theft claim and proper documentation has been received, the credit reporting agency must remove and stop reporting inaccurate accounts within four days. As of today, the credit reporting agency has not made efforts to remove said account causing me great harm and has damaged my reputation.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 card or prepaid card

On XX/XX/2021, upon checking My PayPal prepaid app and noticing several unauthorized transactions from debit card to my account, I called PayPal prepaid at XXXX at XXXX XXXX. I spoke to an agent and let her know unauthorized charges were being made with my debit card number online, I stated I wished to cancel the card, because it was apparent it had become compromised somehow. She stated that she would send a new card in the mail, and that my disputes of these unknown and unauthorized transactions would be investigated within 10 days. 

On XX/XX/XXXX, I recieved my usual, weekly direct deposit from XXXX. 

On XX/XX/XXXX, i recieved my usual, weekly direct deposit from XXXX. 

On XX/XX/XXXX, I recieved an email from PayPal Prepaid, requiring that I submit via email, a written dispute of the hundreds of unauthorized transactions that I reported orally on XX/XX/XXXX. It was stated I must do this to qualify for a provisional credit. I emailed and submitted my dispute document on XX/XX/2021. 

On XX/XX/XXXX, i received confirmation of receipt of requested documents. It also stated my next update regarding my dispute would be XX/XX/2021. 

On XX/XX/XXXX i recieved new card in the mail. 

On XX/XX/2021, I received a text message from XXXX stating there may be a problem with your PayPal prepaid card. Please call XXXX before using your card. I immediately tried to check my account via the PayPal prepaid app, I could not access it, my access had been blocked. So I called the number listed in the text message. 

I was then told by an agent, that my account had been closed down indefinitely due to fraudulent activity. I could not access my direct deposit from XXXX that day, or ever. When asked about my provisional credit, I was told I was denied any such thing. I explained I was already late on my utilities due to this and I explained this was the only account I had. That I fully depended on that account. On top of that I was told my investigation would be extended until XXXX. Finally after begging for access to my own money, I was told to borrow money from family if I needed to pay bills and then I was hung up on. Now, my phone is shut off due to non payment, I cant not pay my bills since my money has been stolen from me from the card issuer. 

The responses I have recieved from PayPal prepaid are unacceptable, woefully deficient, and disrespectful. My husband and I have missed going to 3 weeks worth of work due to this issue and have now both lost our jobs because we have not been able to access our funds so we can get to work. We have lost so much do these illegal, unfair, and harmful acts done by the card issuer.
Product: Mortgage

I XXXX XXXX am assisting XXXX XXXX XXXX in writing this complaint for review : I am having a very difficult time with SPS. We have submitted an all cash offer to SPS. In XX/XX/2020 SPS told me that appraised value from a walk through is {$710000.00}. Then in XX/XX/XXXXduring a global pandemic with COVID 19 SPS is stating the appraised value went up to {$710000.00}. That is mathematically impossible and does not reflect the current market that is still shut down from COVID. The apprised value should of dropped a bit or at the most stayed the same. So I am dealing with an over inflated appraisal that is not accurate. It does not actually reflect the repairs that are needed to make this property livable for the new homeowner. By California State Law under the Bureau Of Real Estate I am required to disclose the repairs that are mandatory for this property. The repairs are to make the home livable and to remove the 2nd story patio that is a major hazard. These repairs are required for safety and health reasons. These are not upgrades the buyer is requesting, but required repairs. I can not stress that enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed these lateness well over a year ago and the lateness was removed just recently XXXX XXXX without notice reported the lateness back on my credit report along with sending past statements that I didnt ask for. Several years ago I reported to XXXX  XXXX that I didnt apply for their credit cards I explain to them that while I was sick my home was invaded with people to help me at my home while I was getting better. The company refused to except that I didnt use the credit credit. So I had no choice but to pay the credit cards and to except what the company said that I applied for the cards, now XXXX XXXX is putting late charges on my credit report again. Im sending mail from the house that I lived in during the time that XXXX XXXXXXXX claims that I applied for the credit cards. 

The lateness is not mine and should be removed. 



I was living at XXXX XXXX XXXX XXXX XXXX MD XXXX During the time that these cards were applied for Please remove the lateness from my report. 

Someone used my information to get the credit cards and your company refused to remove the information and to take the credit cards off my report Im still paying the cards and some cards are in default that are not mine.
Product: Mortgage

Rushmore Loan Management Services bought our mortgage from XXXX XXXX. They added a fraudulent " fee '' onto our XX/XX/XXXX mortgage payment even though we have never been late and we overpay. We paid the fee so that we would not have a bad mark on our credit, but we called right away to have them take it off, because they had assured us over and over they would charge NO FEES during the first 60 days after they had bought out our loan from XXXX XXXX. We only paid it to make sure we had no amount on our bill " past due. '' We called several times, and they kept lying and saying the charges came from XXXX XXXX, and then from our XXXX XXXX XXXX accounts. Those were lies. We had to do the legwork and contact both banks, who told us Rushmore 's claim was ridiculous. They would charge us themselves if we had a fee. FINALLY we spoke to a supervisor at XXXX who admitted the fee was a mistake HE had added and SAID it would be taken off. When our XXXX bill arrived this week, the fee was NOT credited back to our account!!! PLUS a new {$25.00} fee was added to the XXXX bill with NO explanation or reason!! I believe someone is fraudulently charging us and collecting the money on the side. When we called, the automatic recording that states how much we owe gave us a total withOUT the fee even though it appears on our statement! And where is our credit for the fee we already paid that we should not have owed?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at work doing trainings and I XXXX XXXX I received a notification From XXXX, I did not apply for a Credit Card.
Product: Credit reporting or other personal consumer reports

XXXX received payment ( See below ) " within the grace period of 2 days from the due date XX/XX/XXXX '' yet fraudulently reporting increased account balance to credit reporting companies. This is NOT THE FIRST TIME. XXXX and all credit reporting companies were sued in XXXX XXXX in XX/XX/XXXX and it does not even stop XXXX and all credit reporting companies putting inaccurate account balance in the credit reports and financially damaging me with lower credit score. 

" From : XXXX Countys XXXX XXXX Date : On Thursday, XX/XX/XXXX at XXXX PM Subject : Your bill payment was delivered To : XXXX Dear XXXX XXXX, The following bill payment has been delivered : Payment Details Payee Name : XXXX Student Loan Borrower Payee Acct # : XXXX Acct # : XXXX Amount : {$830.00} Send Date : XX/XX/XXXX Confirmation # : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC1681 section 602 States I have the right to privacy.

15 USC 1681 Section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Reached out to get things removed because of incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, WELLS FARGO used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. WELLS FARGO reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result of this breach, fraudulent accounts have been opened in my name. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts be blocked and deleted from my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX. XXXX ] [ XXXX XXXX LA XXXX XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ Experian [ Experian ] [ XXXX XXXX XXXX ] [ XXXX, TX XXXX ] [ XXXX XXXX XXXX XXXX XXXX, CA XXXX ] [ XXXX House, XXXX XXXX, XXXX XXXX, XXXX, XXXX ] Subject : Notice of Dispute and Demand for Resolution Under XXXX XXXX. XXXX Dear [ Recipients Name ], I am formally disputing the negligent non-compliance with the Fair Credit Reporting Act ( FCRA ) under XXXX U.S.C. XXXX, which pertains to civil liability for negligent violations of the FCRA. Your organization has failed to comply with FCRA requirements, causing me harm and financial damages. 



Nature of the Violation : [ Clearly state the specific violations, such as failure to correct inaccurate credit report information, failure to properly investigate a dispute, unauthorized access to your credit report, or any other relevant issue. ] Damages Incurred : As a direct result of your negligence, I have suffered the following damages : Financial harm : [ List any monetary loss, increased interest rates, denial of credit, etc. ] Emotional distress : [ If applicable, describe stress or hardship caused by the violation. ] Other consequences : [ Explain any other negative impact, such as job denial due to inaccurate background checks. ] Legal Obligation & Required Action : Under 15 U.S.C. 1681o, any entity that negligently fails to comply with FCRA requirements is liable for actual damages suffered by the consumer, court costs, and reasonable attorneys fees.

To resolve this matter, I demand the following corrective actions : 1. Immediate correction and removal of inaccurate or disputed information from my credit report.

2. Written confirmation of these corrections and the measures taken to prevent future violations.

3. Compensation for damages incurred due to your non-compliance.

If this matter is not resolved within [ reasonable timeframe, e.g., 15-30 days ], I will be forced to pursue legal action to seek damages, including but not limited to actual damages, costs of litigation, and attorneys fees as allowed under 15 U.S.C. 1681o.

This letter serves as formal notice and is being sent via [ certified mail/email ] for documentation purposes. I expect your prompt attention to this matter. 



Sincerely, [ XXXX XXXX XXXX ] [ XXXX, XXXX ] This letter is structured to be firm and legally sound while giving the recipient a chance to resolve the issue before litigation. Let me know if you need any modifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

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

15 U.S.C. 1666 B 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

I was a client of Lexington law and was charged unwarranted fees and incorrect amounts were paid even after the account was closed