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

Upon checking my credit report, I noticed a number of inquiries that a didnt do or did i give written permission to do. Ive been a victim of identity theft, Ive sent in a number ftc reports. Im not sure how this keeps happening the following inquiries are XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
The following inquiry needs to be removed immediately : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from JP Morgan inquiring if I applied for a credit card on XX/XX/2023. I did not make this application. JP Morgan marked it as fraudulent and declined the application. However, a hard inquiry was made on my credit report.
Product: Checking or savings account

I was told that I would receive the promotional offer but still waiting
Product: Student loan

My son had a student loan with Wells Fargo. I co-signed the loan. My son settled the debt with Wells Fargo and {$14000.00} was the total amount of debt discharged ( written off ) in the agreed upon settlement. For tax purposes, Wells Fargo issued both me, and my son, a XXXX COPY B FOR BORROWER/DEBTOR that requires us both to file with the IRS, meaning we both must pay taxes on the same {$14000.00}, paying double tax. 

After speaking with 3 tax advisors and an attorney, I was told that as a co-signer, I should have received the XXXX COPY C FOR GUARANTOR. This would not require me to file this form with the IRS, as my son would file and pay the taxes as the " Borrower ''. 

Wells Fargo, in issuing 2 " COPY B FOR BORROWER/DEBTOR '', is thus able to report double the amount of money as written off or discharged. This is illegal, unethical, and unscrupulous. I'm sure I'm not the first one to whom this has happened. 
I've spoken with XXXX people at Wells Fargo - 2 ignorant, and the 3rd obstinate who are unable, or unwilling to correct the second copy and re-issue as a XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Customer Service Representative would not help take care of negative inquiries on my credit report. 

XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I noticed that PayPal wrongfully restricted. 
I did not recieve any notification or mail, I just found out about it by chance. 

PayPal has not provided any help, or put any effort to solve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called chase to change the date on my automatic payments from the XXXX of every month to the XXXX, chase advised that the change I requested was processed. The following month I realized my automatic payment for the XXXX was not drawn from my account. I called Chase to follow up on what was going on and they explained that the automatic payment they said they would set up for my account was never processed, therefore they reported a late passed due payment. I have never missed a payment on my auto loan and due to their poor customer service a unjustified late payment was reported. I have already fixed the issue and my account is up to date but chase made me aware that although this was an error from their behalf the could not remove the late payment reported. Please help with the matter. Thank you
Product: Credit reporting or other personal consumer reports

Equifax reported a total of 9 inquiries on my credit report that I had no knowledge of and the companies who requested my credit information from Equifax was not authorized by me and I had no knowledge of this being g done.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX, XXXX, Experian, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX , has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On XX/XX/23 Bank of America transferred funds without the consent of the account holders to cover an overdraft on an account that has been opted out of overdraft protection. I have spent hours being bounced around to 5 different people at different departments all saying someone else would return the money only for another agent to tell me that they're allowed to take money from any account and will not stop the transaction in spite of the account not being allowed to make overdraft transactions and being opted out of 'overdraft protection '.
Product: Debt collection

Coast Professional again has sent a letter dated XX/XX/2020 demanding an alleged debt to be paid. I have filed several complaints with the CFPB and XXXX, requesting Coast Professional contact the XXXX XXXX police department to get more detailed information as the debt they are claiming is a direct result of identity theft and fraud. XXXX XXXX XXXX college failed to contact the local police department as well, as I never received any form of payments nor requested funds from XXXX. If there was any debt in my name it was due to fraud. I have sent Coast professional police reports to understand the situation I gone through. I am seeking immediate cease and desist of all contact and removal of this debt from my name. If you haven't completed a detailed investigation by contacting the police department retrieving police reports then you as a company haven't done your job under the FDCPA. This is a willful and direct violation. Im attaching another detailed report that list accounts compromised and stolen and used without my permission. MARKING THIS COMPLAINT AS AN DUPLICATE and ignoring your duty as a debt collector, I will seek damages in THIRD DISTRICT COURT!
Product: Credit reporting or other personal consumer reports

I am filing to formally request the deletion of an erroneous collection account reported by XXXX XXXX XXXX on my TransUnion credit report. The details of the collection account are as follows : XXXX XXXX XXXX XXXX : {$680.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the negative accounts and inaccurate name that needs to be removed in my file : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX  / XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00} ; XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am the personal representative for the estate of XXXX XXXX who died XX/XX/XXXX. 

On XX/XX/XXXX I transferred {$2100.00} from the estate checking account to a beneficiary XXXX XXXX ; this was done online via wire transfer to his credit union in XXXX XXXX in the XXXX XXXX. XXXX never received the money as of XX/XX/XXXX. 

In the proceeding days I called NFCU multiple times because the money was not delivered but had left the NFCU account. I was told to call XXXX XXXX XXXX  ( XXXX ) where the money was sent. When I asked about why XXXX I was told that Wire transfers do not go directly to non XXXX XXXX  and XXXX is the intermediary between NFCU and the credit union. 

I called NFCU numerous times afterwards but was told to go to XXXX  because they had the funds. After four lengthy phone calls, one visit to local XXXX and a written complaint I was told that NFCU which is my bank and where the transaction started had to request the return of the money. I do not have a XXXX account. 

I was not aware that online wire transfer could not be done and I had to go to bank in person. 
All steps have failed and I was told that I will not get funds back
Product: Mortgage

Based on my research, My original Servicer was XXXX, which filed bankrupcty 2008, and later discover third party debt collector known as Ocwen loan servicing and XXXX shown as the lender/beneficiary. Based on my discovery I 've notice Respa violations, Truth n Lending, Preditory, Adjustable Rate Mortgage, the whole entire loan was in violated under the Underwriting Deceptive Practice Act. 
Third Party debt collector known as Ocwen Loan Servicing does not have a license/ or consent order in the state of Maryland with XXXX Commissioner Finance Office to as as a Servicer /Debt Collector/Lender based on updated research. Therefore they need to investigated. Also XXXX XXXX XXXX XXXX needs to  be investigated, never had a contract agreement or any fair dealings pertaining to the loan and the equity interest in the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

discover financial is constantly reporting incorrect information to my credit file. they are trying to ruin my credit because i am an XXXX american. they have XXXX  fraud protection agents that constantly call my phone and refuse to identify themselves. i have asked them to remove this account and they refuse. I am going to hire A lawyer and sue the company. Please remove this account off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the 7 inquiries I have disputed with TransUnion. TU is telling me they can not remove them unless the Financial Institutions themselves removes them, which in turn they don't recognize them. I humbly request these inquiries by TransUnion be immediately removed from my report. If you view the other credit reports, you will se what I am talking about. Right now I am paying all 3 companies to keep my reports locked. I actually feel like I am being extorted. Please let me not loose track of my initial complaint. I am in the market and I have found a home that is located in a 9-10 Score School District and these inquiries are impacting my credit from Exceptional to Very Good. And that in itself will be very costly on a 15-20 yr mortgage. I hope whoever  reads this will be able to help me, so thank you in advance. 

TRANSUNION File # XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX ( feel free to call me for any question ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), 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, XXXX, XXXX 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 Accounts : XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$260.00}. Inquiries : 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. 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 # ( XXXX ) 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: Debt collection

I requested verification documents from the collection agency because I didn't recognize the account entry. They responded with account statements I'm not familiar with, nothing with me contracting with the original creditors. On top of that I was incarcerated during the period the statements were increasing which I can prove. They also put false statements in their reply, they dated their rebuttal XX/XX/XXXX, I have the receipt from USPS showing I didn't mail the letter until XX/XX/XXXX. The postmark on their envelope even says XX/XX/XXXX.
Product: Vehicle loan or lease

When I returned the car after the stipulated lease time, Tesla charged my bank account with no information about the details. I wrote to them 3 times and there is no response. It is very difficult to get information by phone. 

Before returning the car, Tesla asked my provide detailed pictures of the car. They estimated {$200.00} of curb rash and sent me an invoice for {$1000.00}. This included {$200.00} curb rash, {$360.00} deposition fees. I did not understand the rest but I was told that I will be provided more information. 

When I returned the car on XXXX XXXX, Tesla informed me that I will charged {$3800.00} with no information at all. Upon returning the vehicle on XXXX XXXX, Tesla also revoked my access to the portal without any notice and hence I lost all the lease related documents. 

On XX/XX/XXXX, Tesla charged my bank account for {$3800.00}. 

I wrote to Telsa on XXXX and on XXXX with no response at all. This situation is very frustrating as there is no additional, or access to any documents to understand the charge. Moreover, Tesla had the time and details to review before the return of the vehicle. They only informed me about a curb rash for {$200.00}. They had time to review on XXXX XXXX when I took the car to them and failed to do so. Because if there were issues, then I could have solved it with insurance. My actual lease end is XX/XX/28. Tesla charging my bank with XXXX times more than the original estimate of {$200.00} with no information and without giving me access to cure it seems outline of line and a overreach of a large company on a consumer. Also, Tesla can not without notice revoke access with no avail access financial documents and contracts. 

Car VIN number is XXXX
Product: Credit card

Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Pleasesend me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTCIdentity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Pleasesend me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX XXXX : XX/XX/year>XXXX  Close the unauthorized account Removeany charges on the unauthorized account, and Takesteps to remove information about this account from my credit files. 
FTCIdentity Theft Report Proof of identity Notice to Furnishersof Information Companies Involves XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX