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

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights. 
XXXX Account # : XXXXXXXX XXXX Account # : XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX  XXXX Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXXAccount # : XXXX XXXX Account # : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Acc # : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX Account # 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 consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed an unauthorized inquiry from Capital One. I have attempted to correct this to no avail. I have 3 accounts with Capital One and have not applied for additional accounts.
Product: Credit reporting or other personal consumer reports

I continue to see unauthorized access to my credit profile. After checking today, there are two more inquiries I did not authorize and would like to have removed. 

XXXX XXXX XXXX XXXX XXXX  is not my account - Account XXXX I am XXXX XXXX with The XXXX XXXX. Please remove XXXX XXXX from my report. 

I have lived at XXXX XXXX XXXX XXXX XXXX XXXX, TX for the last 20 years. I do not and have never lived at XXXX XXXX XXXX, XXXX MI or lived in Michigan. Please remove from my credit report. There is also an address at XXXXXXXX XXXX XXXX XXXX XXXX which I have never been associated with that needs to be removed. 

Correct the spelling of my name. My name I use for everyday personal and business purposes is XXXX XXXX.
Product: Mortgage

I currently am living in my home and that I have had for 18 years. I got sick and requested a loan modification I am a XXXX person.On or about XXXX. I kept sending and re-sending loan modification pkg to Nationstar and they stating they did not receive it. After sending on numerous occasions approximately XXXX times.I kept calling to follow up on receipt. Finally they received the pkg on XXXX Rec 'd letter stating foreclose on my was put on hold due to the mod in U/W. I kept calling Nationstar weekly for an update and they kept requesting docs/ I received a letter from Nationstar dated XX/XX/XXXX stating they had received all documentation for the Govt Trial. Itsa 20-60 days for the pkg review,. The letter also provided that during the evaluation period, my house would not be referred to foreclosure. On XX/XX/XXXX, I called Nationstar to confirm if the mod was in review and it was. On XX/XX/XXXX I received a letter from Nationstar date XX/XX/XXXX stating addl docs were needed to evaluate the trial pkg. The requested documentation had already been submitted on XX/XX/XXXX to XXXX XXXX and he stated I had until XX/XX/XXXX to return the documents. On XX/XX/XXXX I contacted Nationstar for an update and spoke with XXXX XXXX. She stated she was newly assigned to my file and told I needed more documents, the same that had been sent on XX/XX/XXXX.I asked her to thoroughly check her system and she denied the documents were no there in the system. I insisted that she look again and she finally found the documents in the system, but still demanded I resumbit the documents. I faxed it to her on the same day at approx XXXX. I called on XX/XX/XXXX and spoke with XXXX XXXX to get a status update on the file. She stated nothing else was needed and the file was in U/W. On XX/XX/XXXX I received a call from the original representative who was handling my case and told me everything was in the U/W process and everything was going as expected. The same day I received a letter from a BK attorney stating my house was going to be sold at a foreclosure sale on XX/XX/XXXX. I called XXXX XXXX immediately to inquire about a possible sale. XXXX XXXX reviewed the system and told me there was no sale date on my house.I told XXXX XXXX that I could afford my home and just had a temporary set back due to my medical illness. I further advised her if my house was going to be sold, I would file for BK..On XX/XX/XXXX, I called XXXX XXXX again to check on the status of my modification review. She informed me that the process would take some time to complete and everything was progressing smoothly. I asked XXXX XXXX again about a possible sale date on my home and was told there was no sale date on my home. On XX/XX/XXXX, I received a certified letter dated XX/XX/XXXX stating the my property was in foreclosure and the title was expected to bee transferred to XXXX XXXX within the next 60 to 90 days. They actually foreclosed on my home and misrepresented and fraudulently handled my case. On XX/XX/XXXX, XXXX XXXX from XXXX XXXX XXXX to inform me that my house had been sold on XX/XX/XXXX and he represented the new owner, XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXXInquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record XXXX XXXX XXXX XXXX Inquired on XXXX record unti XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> at around XXXXXXXX XXXX A scammer got sensitive information from Wells Fargo, such as my Social Security Number, date of birth, and purchase history, and posed as Wells Fargo. The perpetrator, acting as Wells Fargo, called me and claimed that my account was under fraud, my XXXX was compromised, and instructed me to move money to my XXXX Account. The only reason why this call was believable was because the person already had the sensitive information listed above and used it to falsely claim they were Wells Fargo. The perpetrator also spoofed Wells Fargo 's phone number. My XXXX account was later compromised by the scammer, still posing as Wells Fargo, and about {$8800.00} was stolen from me. My XXXX later turned out to not be compromised and there were no fraudulent charges on my account before the scammer called. It was not compromised until afterward when I gave him information still thinking he was Wells Fargo. The scammer was also able to get into my online banking and move money to my checking account so the transactions ( amounting to {$8800.00} ) to my now compromised XXXX Account would happen. He moved my entire savings account, which had {$7700.00}, to my checking and also did a cash advance of {$1200.00} with my credit card. 

I called Wells Fargo 's phone number afterward at XXXX ( XXXX ) XXXX XXXX while these charges were pending immediately after I recognized that my information was compromised on XX/XX/year> at around XXXXXXXX XXXX The representative had claimed to have frozen my account and had said the money was still in there on her end. I went to a Wells Fargo branch the next day on XX/XX/year> and had XXXX claims filed. Wells Fargo had told me on XX/XX/year> that there were multiple instances of unauthorized movement of money on my online banking but because the funds were gone, they could not reimburse me for anything despite acknowledging there was fraud. Then I called on XX/XX/year> and they told me they acknowledged fraud but my claims were denied because they could not get the money back from XXXX. However, it appears as if they did not even try to get the money back and all of this only occurred because their security systems allowed sensitive information to leak which enabled someone to believably pose as them. 

I have already filed a police report and am currently in communication with XXXX to try to get the money back. However, Wells Fargo should be doing this but it appears they are not taking the steps to make up for their mistakes.
Product: Credit card

Had a commenity BJs perks card used mostly at BJs and paid in full every month. Was offered interest free for a year to move any balances to this account. I still pay my new charges off each month plus the minimum payment and they are charging interest every single month. They are saying that I have XXXX separate balances for charges in BJs and outside of BJs ( almost never happens ) and they are charging 14.99 % for outside purchases and 6.99 % for BJs purchase, but I pay the bill in full every month and on time, if not early.
Product: Vehicle loan or lease

I had a   XXXX   XXXX   while I was under wage earner. The loan was with drive financial. The name changed to Santander through the courts. Case number   XXXX   XXXX  . These changes were made without my knowledge in  XXXX . My   XXXX   XXXX   was totaled on XX/XX/XXXX . I 've submitted the police report number. I just found a copy Of The credit report that I filed in  XXXX . I found the account number for Santander. I was discharged in  XXXX  from the above case number. When I learned that I am a victim of identity theft. I changed my name in probate court to reflect my maiden name, which is  XXXX . I kept my married name, it 's  XXXX . The   XXXX   Family have stolen my identity.
Product: Mortgage

I had a Wells Fargo mortgage starting in XXXX. Paid off now. But in XX/XX/XXXX I started getting sick with a XXXX that left me out of work and no income for a long period. As it onset I called WF to see options we had since I could not pay the loans on time. I was told to sell or refinance buy a deferment was never an option. I was given a terrible time through phone support. Even while in a wheelchair for 3 months of treatment and rehab I was being criticized for sound money spending to make a payment even though I had no income. I had 2 other companies i had vehicle loans with and immediately they did a deferment. Not WF. Until I had missed 3-4 payments would they even consider talking about things. We missed somewhere around 6-8 payments. When I started back I was in arrears and they started the foreclosure process and had to pay the full amount to avoid foreclosure. Even though I was still, and am, XXXX from my XXXX they wanted every penny at once. Sell, or foreclose. So I had to borrow the money from a friend to pay it off to avoid losing. My credit was so bad from lack of work and income that was the only way to get the funds. Took me a year to pay the friend as I had all.my other bills to catch up on from such a long absence of work. They were awful the whole process. I had other issues on the loan and paperwork as well. After my experience, even just the paper work and competency of the loan process, I would never do a loan or recommend to anyone. It was a horrible process. We finally had to sell due to the financial burden. So goodbye WF and that ordeal. I could do more detail but that gives you an idea of our ordeal. I may never work or walk again when I was in the hospital and my biggest concern was Wells Fargo and losing my home wh8le going through treatment and physical therapy. The stress was horrible. And almost every person I spoke too did not seem to care. The lecture I got about my financial state was the kicker. I told the lady on the other end when she was paralyzed in a wheel chair and may never walk or work again, and about to lose all she had then she had the right to judge me and criticize my situation. All thumbs down and frowns for Wells Fargo!
Product: Checking or savings account

On XXXX XXXX I opened Acct XXXX with Citizens Access using a XXXXXXXX XXXX check for {$8000.00}. 2 Days later Citizens access later closed my account without telling me why. 

I called Citizens 4 different times and each time I was told that they could not refund the money to directly. XXXX XXXX  would have to fill out a 'form ' and request that funds back on my behalf. 

I called XXXX XXXX  3 times and each time was that there is no 'form ' to fill out. 
It is not something XXXX XXXX does once funds clear ( which they did on XX/XX/XXXX ) So Citizens refuses to return the {$8000.00} to me. 
XXXXXXXX XXXX say they can't help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing regarding a collection account that is inaccurately reported on my credit report. The account in question is listed as XXXX XXXX. Upon reviewing my credit report from TransUnion, XXXX, and XXXX, I noticed that there are three different dates of last activity being reported. TransUnion lists the date as XX/XX/XXXX, XXXX lists the date as XX/XX/XXXX, and XXXX lists the date as XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

About a year ago I discovered I had been a victim of identity theft again when I found an auto loan showing up on my credit report with XXXX XXXX  XXXX that does not belong to me. My personal information had been used to obtain credit cards and loans without my knowledge. I immediately filed a report on XXXX and sent a copy to all the major credit reporting agencies and the original creditor. They took the item off my credit report but found it to be placed back on recently. I once again contacted the credit reporting agencies and XXXX XXXX XXXXXXXX directly but they have not responded to my request to remove the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my account for  XXXX  that was opened  XXXX     2016 and  closed  XXXX     2016  in my name. I called  XXXX  directly because I have never been a customer or client of  XXXX  my entire life. They have on their records cable billing services for a period of 3 months. I never authorized anything, I never signed anything, they dont even have a correct service address connected to me!     Where I live currently is where I have lives since  XXXX     2016!   XXXX  cable is not even available at my residence. I have provided proof of my current lease with dates and asked them to source the service address, they can can not. I have disputed it with the credit bureau as well asking for some sort of paperwork or something connecting this account to me, they have provided nothing but a late payment report!     There is no address even listed! It would be impossible because I have never lived anywhere else within those service dates, nor do I have family member or friends who do!     I have placed a fraud alert on my account to keep it from happening again. This apparently common. I am  XXXX   XXXX   XXXX  and these kinds of things can hurt my clearance and currently hindering my credit from home buying.  XXXX  nor the credit repair companies have been able to provide or show where I am related to this address connected to the service account. There is a bill in the amount of  XXXX ! It is reporting as a collection! I have never received a call or anything in the mail about the account!     I have attached my  apt lease that shows th e date I moved in!   I provided my light bill with my current address for the dates that cover the time  XXXX  is saying I occupied another property.   I provided my rental insurance for my current home to show proof I am actually living and responsible for the address listed.      XXXX  cable/wifi/internet service is not even available in my area. I use a company called   XXXX   XXXX  . They own right to this location Please help me understand exactly how can they not properly investigate and get the  CORRECT informatio n from this company and allow the reporting of it falsely on my account.     Thank you so much!!
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 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 XXXX XX/XX/XXXX XXXX XXXXXXXX, PA XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/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: Money transfer, virtual currency, or money service

Western Union sponsored a sweepstakes which was given publicity. I participated in the said sweepstakes. It appears no winner was awarded the prize as Western Union  indicated in the rules governing the sweepstakes.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XX/XX/scrub>/2018 {$2800.00} XX/XX/XXXXXXXX XXXX XXXX XX/XX/year>2018 {$310.00}
Product: Bank account or service

This bank refuses to change worn bills that do not qualify as XXXX currency.
Product: Debt collection

On XXXX XXXX XXXX XXXX XXXX Litigation Specialist for Bank of America sent a letter stating that the letter we sent in response to the right of rescission found in TILA does not apply to purchase money transaction and reviewed to be that the proceeds of the loan enable us to acquire our subject property which was alleged to be consummated in XXXX XXXX we then are perplexed by the signing of the loan at that time since we have never refinance the home since our purchase date of XXXX XXXX who then signed the documents represented on our behalf. We understand that the mortgage instrument is a statement that real property is collateral for the faithful performance under the note. If the maker of the note fails to perform then the collateral can be sold to satisfy the balance due on the note. But without a valid note that memorializes the terms of the debt, the mortgage is collateral for an obligation that does not exist -- - unless the note is improperly sold to an innocent third party who pays value, in good faith without knowledge of the maker 's defenses. That bona fide third party is protected under the law. 
If the maker executes an instrument that is defective in some way by reference to parole evidence ( outside the assertions made on the note ) then the third party can enforce the note against the maker despite the existence of otherwise valid defenses of the maker of the note. For anyone other than an innocent holder in due course, the burden is on them to prove that the note was merged with the debt. 
So the questions that we need to be answered are these since the issues have not been addressed for those who have pursued foreclosure have used legal presumptions in a twisted way -- - arriving at the conclusion that a debtor need not know the identity of the actual creditor in order for the obligation to be enforced.Our title concerns are that according to the documents provided by Bank of America N.A, is being researched almost monthly so questiondid you hear or see any evidence that identified the party to whom the payments from the borrower were forwarded? 
If not, why did you assume that such a party existed and had authorized the parties in court to act on collateral for the benefit of the real creditor? 
did you hear or see any evidence that connects the real creditors with the parties who appeared in court? 
If not, why did you assume that such a connection existed with an unidentified entity? We continue to challenge the bank to explain to us how the chain of title is so imperfect and appears fraudulent The bank says that the modification offered would amount to XXXX to a new projection of XXXX what happen to the payments of 15 years XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX. XXXX XXXX XXXX I have a Hard Inquiry on my credit report from a company that i never authorized nor applied for any kind of loan or credit or any other financial service. I call them but no one answer the phone listed online. 

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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  -- {$640.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$24000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX- {$24000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1800.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1800.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$550.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$630.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$9700.00} XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

I had a hard inquiry on my credit report on XXXX XXXX XXXX  The inquiry was from Barclay 's Bank Delaware. Location : XXXX XXXX XXXX XXXXXXXX, DE XXXX. The inquiry type was individual. I attempted to call several different phone numbers listed on the Barclay 's website on XXXX XXXX XXXX I was unable to get any support or speak to a representative because the automated service requested my account or credit card number. I have neither, because I do not have an account with Barclay 's. 

I have frozen my credit. I also called XXXX.