23daVinci/CFPB_Complaints huggingface dataset:
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 Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

I recently reviewed my three credit reports for the first time in years. All three show a collection against me by a company known as : MRS BPO. they are attempting to collect a debt from me from XXXX XXXX in the amount of {$1800.00}. First, I have never been contacted by either MRS BPO nor XXXX Mobility by mail, phone or otherwise. Second, I have never had an account with XXXX XXXX. XXXX calls from me to MRS BPO resulted in them just trying to get me to settle. I asked for proof of this debt, they can't! I file disputes with all three credit bureaus, and was declined, apparently due to lack of cooperation by MRS BPO. Their address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Phone # : XXXX or XXXX. My acct # XXXX. This is someone else 's account, not mine nor any family member 's. Thank You. Possible identity theft?
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit report using XXXX XXXX and XXXX. When I checked my credit score on XX/XX/XXXX, my credit score had dropped 59 points on XXXX XXXX. I understand that XXXX XXXX is a third-party, so I checked my Equifax report through Equifax.com. They showed a drop of 56 points. The accounts that are reporting on my credit report have been reporting. The negative and positive ones. According to XXXX XXXX the only change that had taken place was that my credit card balances were paid down and that a negative account was removed from my credit report. This was the same on Equifax.com. Therefore, two positive occurrences happen yet my credit score dropped tremendously. Again today XX/XX/XXXX, I check my credit score I did open a new account Equifax dropped my credit score 39 points for the new account. XXXX I lost three points for the new account. And XXXX I lost 11 points for the new account. But Equifax dropped 39 points for the new account. That coupled with the 59 points that they dropped me for the positive changes on my credit report, has dropped my credit report to XXXX with Equifax when everyone else is at XXXX. I did call to speak to Equifax I did ask that an investigation into this matter be open I was denied the manager I was denied the investigation and the representative stated that a negative Point drop when two positive actions have taken place Justified a 60-point drop at that time. And now a new account has dropped me 40 points. There is clearly a problem in the Equifax system here that they need to address. I also find it completely funny that you're speaking to someone who is not from the United States about your credit reporting for the United States and they have no idea what credit is because they don't have it in their own country. This needs to be investigated and resolved immediately. Equifax can not do this to people I am working on trying to purchase a home and I understand that we rely solely on technology. But no additional negative accounts, and a negative account being removed, paying down two credit card balances to less than 1 %, and opening an account does not constitute a 100-point drop on your credit score. I would like this matter investigated and resolved.
Product: Credit card or prepaid card

From XX/XX/XXXX to XX/XX/XXXX, XXXX fraudulent charges were charged to my Bank of America XXXX BofA XXXX XXXX XXXX  by XXXX. I saw the charges on my statement and thought they were normal XXXX shopping charges on my wife 's XXXX account. When the charges continued after XXXX, I asked my wife about the charges, and she informed me that my debit card is not on our XXXX account. My wife tried to find the orders for the charges, and they did not appear on our XXXX account. On XX/XX/XXXX, I called BofA to cancel my debit card and reported the fraudulent charges. My wife then called XXXX regarding the charges, and they confirmed all the charges were appearing on an account that was not ours. XXXX told me they were fraudulent charges and told me to contact our bank. On XX/XX/XXXX, BofA sent a letter stating : " We've completed our research and closed this claim. Our records show the transaction activity in question was authorized and posted correctly to your account. '' When we asked to send the supporting documents that they relied on to reach their decision, they said there was nothing to send. We asked to reopen the claim so we could send an email from XXXX stating the charges were fraudulent. On XX/XX/XXXX, we received a second letter from BofA stating : " We're unable to approve your recent claim. As you requested, we completed a re-evaluation of your claim. Our research included the information you provided with your claim, your account history, and/or the monthly account statements we sent you. We made this decision because : the charge was authorized by you or someone who has permission to use the card. '' I called BofA, and they told me to contact you. The claim is closed and has been blocked from any other activity. My wife contacted XXXX a XXXX time, and the representative told her BofA does not resolve any fraudulent XXXX purchases.
Product: Mortgage

I took out a mortgage with a local lender and they sold the loan to Fannie Mae XXXX XXXX XXXX. The servicer went from them to Wells Fargo. I received a notification of this change on XX/XX/2021. 

I went on Wells Fargo 's website and attempted to register my account to set up online banking to monitor my mortgage. During this process Wells Fargo requests my SSN and my Loan #. After entering these Wells Fargo states they have to send a text message to verify I am who I am. The phone number that WF has is not mine. I call their support line and after 4 or 5 calls now I am still at square 1. They were able to update my phone number in their system but I am still not able to register to create an online account.

I have 0 faith in WF and I have no trust in their ability to service me or be honest. What adds to this is there are no Wells Fargo physical locations in Michigan ( the state I reside in ). 

I am unable to get an answer as to where Wells Fargo got the incorrect phone number, I'm also unable to get a clear answer as to why I'm supposed to " wait a few days and call back '' to see if they can set up it up then. How can someone be a servicer of a loan and not have a physical location in the state they are supposed to be servicing? Seems like a sham and that it shouldn't be legal. I fully understand that when I signed my loan documents I agreed that the lender can sell my loan off or transfer it to a new servicer. 

My issue is, how can a servicer not even be in state? The rep at Wells Fargo told me to go to a physical location to verify my identity and get my email address and phone number updated, I had a good chuckle at that. Ridiculous.
Product: Credit reporting or other personal consumer reports

New Information being submitted : FTC # XXXX I've been a victim of Identity theft and have reached out to the credit bureaus, however fraudulent information is still being reported. I've complied and filed a new FTC complaint. 
This has negatively impacted my score taking me from low XXXX to XXXX 's and I've been denied a home loan. 

The accounts in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sincerely
Product: Checking or savings account

I paid for an apartment using XXXX but it was a scam. Chase bank will not refund my money because it was authorized.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  # XXXX XX/XX/XXXX -- {$86.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I called Wells Fargo XXXX simple request : I need copies of all my checks for XXXX  to do my taxes. After spending XXXX minutes on the phone the XXXX said she would email them. When I received the emails they were the same XXXX checks send in multiple batches. I then called again and again spent a long time on the phone. I was promised that the checks would be mailed as the clerk said "... I am not sure how the system works. '' But she said there was no other way for me to secure the checks other than this antiquated method. I would like to be compensated for my time. Wells Fargo has antiquated systems that is unfriendly to the consumer. I need this information and the bank should enable me to access it on line but I can not go all the way back to XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sent me an email on XX/XX/2023 telling me my Credit Report had a thaw added to my credit report file. Then I get an email from them on XX/XX/2023 ( while the so called " thaw '' was in effect from XXXX XXXX  on XX/XX/2023 to XXXXXXXX XXXX on XX/XX/2023 ) that there was an inquiry on my credit file that was blocked. I called Experian and after 15 minutes of trying to get past their XXXX  system, I finally got a person on the line who told me that I also had to lift the credit freeze in addition to the " Thaw! '' Now if that isn't a run around and a scam, I do not know what one is. They should be made to honor a temporary " thaw '' ( if it doesnt temporarily lift a freeze what use is it? ) and no one should have to lift and reinitiate a credit freeze to have their credit file used to obtain new credit. No doubt they make $ $ $ by initiating a credit freeze and this is just another scam.
Product: Payday loan, title loan, or personal loan

XX/XX/ I was approved for the loan of {$1100.00}. The interest rate is 766.76 % and as I pay, the loan amount continues to increase. I am charged every pay day for this loan. When a missed payment occurs, they threaten to contact my employer for wage garnishment. I have XXXXwo small children that this is greatly effecting. I have contacted the company multiple times to see how to decrease the loan-and there are no options.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, I contacted Bridgecrest at XXXX regarding a financial hardship I was presently experiencing, NOT RELATED TO COVID-19, and made them aware that my XXXX payment will be late. They documented same and immediately begin harassing phone calls and emails regarding my payment delinquency. Although, I made my XXXX payment as soon as I could ( XXXX XXXX, 2020, when I received my XXXX  check ) ; they threatened me that if I did NOT make my XXXX payment before XX/XX/XXXX, they will submit to credit bureaus, derogatory remarks/delinquent/etc. and they did causing my credit score to be reduced by " XXXX POINTS ''!!!!! As I had been working so hard and so diligently to get my credit back on track after bouncing back from Chapter XXXX bankruptcy ; this really hurt me and my continued efforts to strive to increase my credit and get back on track. When I called on yesterday, XX/XX/2020 and spoke with a supervisor at Bridgecrest, she admitted to be aware of the conversation regarding my hardship ; however, she stated that " unfortunately because my payment was more than 30 days late '', there was nothing to Bridgecrest could do. Please note that I was one ( 1 ) payment late and this should not have caused this HUGE reduction in my credit score. Thank you so much for your time and consideration. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2021 I requested a validation of debt via certified mail to this company which they never responded to within the 30 days the have by law, they received the certified mail request for validation letter on XX/XX/XXXX. Today is XX/XX/XXXX and I have not received nothing from them. This company is on default to proof I owe the alleged debt and by federal law that protects me as a consumer this need to be removed immediately from all CRA 's they currently reporting to. I am the consumer and they never reach out to me nor have my permission to report on my behalf to the CRA 's. 

Attached you will find the proof of the letters I mailed them and the proof of the certified mail showing they received it on XX/XX/XXXX 3
Product: Credit reporting or other personal consumer reports

I have a credit card account that should have never been on my consumer report. Its a VIOLATION of my Consumer rights pursuant to Title 15 U.S. Code 1681a ( 2 ) ( b ) Except as provided in paragraph ( 3 ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX needs to be deleted and removed from credit file immediately! 

Citibank credit card acct # XXXX needs to be deleted and removed from my credit file immediately Section 602 of the FAIR CREDIT REPORTING ACT stats 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

This is not fair to me this behavior is in acceptable! You are being negligent noncompliance with my consumer report!

The FAIR CREDIT REPORTING ACT states in section 603. Definitions ; rules of construction ( d ) Consumer report. ( 2 ) Exclusions. The term " consumer report '' DOES NOT INCLUDE ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; You have been notified notice, & is now aware of this. By not deleting and removing this information and account is a VIOLATION OF THE FAIR CREDIT REPORTING ACT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from " XXXX '' for an auto loan. Upon doing some digging I found that this loan was obtained from an auto dealership. 

I have never done business with this dealership. 

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan.
Product: Credit reporting or other personal consumer reports

Re : CLAIM FOR OUT OF POCKET LOSSSES, TIME SPENT & DELETE FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT My consumer report and personal information was SEVERELY DAMAGE CAUSED BY DATA SECURITY BREACH OF EQUIFAX. 
SETTLEMENT AND JUDGEMENT XXXX  DOCKET No. XXXX XXXX TIME SPENT : 20 HOURS ( {$25.00} per hour ) = {$500.00} OUT OF POCKET LOSSES : {$15000.00} see report attached
Product: Credit reporting, credit repair services, or other personal consumer reports

hello i have been working with this company to delete this acct on my report it was deleted from my XXXX but not the XXXX others i am a victeim of idenity theft
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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, has violated my rights. 

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 or other personal consumer reports

I tried to communicate this matter with to get this account remove from my report in XXXX XXXX 've called numerous times to this revolve this issue the company has continuously violated my rights as a consumer. Which had hinder my ability to extend credit, worship God and provide purchases for my family and household use. These violations has also affected my XXXX  XXXX, self XXXX, performance on my job and my duties as a mother. I also have done an XXXX  report which will be updated along with this complaint. I have been delt with unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report form XXXX XXXX XXXX XXXX shows delinquent rental history of {$100.00}. Called agency reporting delinquent account, BYL Collection Services, found out it is a delinquent account from XXXX XXXX in the amount of {$100.00}, for which I have never received a bill. BYL says that I needed to contact XXXX XXXX. Contacted XXXX XXXX, they could not correct the error stating that it was a utility bill and not a rental history report, I needed to contact BYL. I explained that BYL said I needed to contact XXXX XXXX. Neither company was able to correct the error. Contacted each company XX/XX/, talked with XXXX at BYL and talked with XXXX at XXXX XXXX. Talked with XXXX at XXXX XXXX XXXX XXXX on same date. Nobody was willing to correct the error and kept passing me from one to the other and each saying I need to contact the other. Need this resolved to show it is a utility not a rental history of delinquency. I am not disputed the amount, I did not know about it and I am willing to pay as I stated to XXXX. She is sending me a bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXX/XX/XXXX. 
AMEX XX/XX/XXXX They were never authorized to check my credit report.
Product: Debt collection

ACCOUNT NUMBERXXXX ACCOUNT BALANCE : {$190.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt.

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law. 

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the bureau a certified letter more than 30 days ago that included proof that the discharged XXXX XXXX were supposed to be removed from my credit report. I sent them what it studentaid.gov has listed on their website and the letter that was sent to me both stating that when they were discharged due to the school submitting fraud they were supposed to be removed from my credit report. This bureau has intentionally broke the law by ignoring all of my disputes and information and keeping the negative information on report. This has negatively impacted my ability to secure credit and get housing. I have stated this to the credit bureau but they continue to ignore my requests and not adequately investigate and remove the information. I have included proof with this complaint also. I have also included the return receipt I received from the dispute proving it was indeed delivered.