23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Evidence is attached of Fraud by Wells Fargo and the Arkansas Tax Collector for XXXX County. Attached is one of thousands of examples resulting in $ Millions of dollars of Fraud to Wells Fargo customers in the State of Arkansas : 1 ) For example 2015 Tax Payment Receipt # XXXX is listed as a bulk lot payment of {$11000.00} for several parcels with Escrow holdings by Wells Fargo. However when you go into each tax record individually several of the Tax Parcels claimed to have been paid by Wells Fargo were actually paid by the Homeowners themselves or other Escrow Holding Companies. Not Wells Fargo. 
XXXX 2 ) This intentional mis-grouping of tax payment records results in an opportunity to steal in the tax collectors office and the opportunity to send money tagged as " over-payment '' back to Wells Fargo Executives. This is intentional deceit and intentional theft. 
3 ) With this fraud scheme Wells Fargo Executives overcharge the Escrow accounts of mortgage customers, then intentionally send over-payment to County Tax Collectors in Arkansas. Wells Fargo cleanly benefits when money is returned to them by the Arkansas Tax Collector as " over-payment/duplicate payments '' for accounts that have already been paid by other parties. 
4 ) The Arkansas Tax Collector keeps some of the " over-payment/duplicate payments '' in a holding fund for disbursement as they see fit. The Tax Collector and Bank Officials conspire in advance how much money will be overpaid and held each year. The Arkansas Tax Collector knows that Arkansas State only Audits the Summary Tax Records which show the Banks payments were legitimately accounted for : No one checks the individual tax record descriptions which show Wells Fargo was returned funds because that parcel tax record was already paid by another party. 
5. There are thousands of Examples of Fraud currently on the XXXX County Tax Assessors website especially in XXXX County. False Summary Tax Receipts List " WELLS FARGO REAL ESTATE TAX SERVICES '' as the Payee of Parcel Tax Records that were actually paid by the homeowner or another Escrow servicing company. The misapplication of tax dollars represents $ Millions of dollars of Fraud. 
6. Examples of Fraud are provided in this Compliant.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding the information on my credit report, which I thoroughly investigated and found to be unverifiable, invalidated, inaccurate, and questionable. This situation has led to XXXX  XXXX, as your agency did not ensure the 100 % accuracy of the reported items, as required by 15 U.S. Code 1681e ( b ) ( b ) - Compliance procedures for maximum possible accuracy. 
XXXX. This late payment status is irrelevant XXXXXXXX XXXX XXXXXXXX Account Number : XXXX The late payment in the past was settled. I'm currently on time with my payments. Please update this account immediately According to the aforementioned code, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information related to the individual when preparing a consumer report. Unfortunately, the items on my report do not meet this standard.

Referring to 15 U.S. Code 1681i ( 5 ) - Update of Inaccurate/Invalidated Credit Information , if, after any reinvestigation, the consumer reporting agency finds disputed information to be inaccurate, incomplete, or unverifiable, it is mandated to promptly update or modify that information based on the reinvestigation results. Additionally, the agency must promptly notify the furnisher of the information about any modifications made on the consumer 's file. 
If you are unable to provide verifiable proof within 15 days after your investigation, I request that you update the account and/or information on my credit report. 
Thank you for reading my concerns have a great day ahead to all Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK Experian OK OK XXXX OK OK XXXX OK XXXX OK OK THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Mortgage

We recently refinanced our Santander mortgage with a new Santander mortgage. The process began in XXXX was long and drawn out and the communication was less than stellar. However, our complaints center around two items. First the Closing Disclosure document is due to the borrower at least 3 days before closing. I was sent this document by email 53 minutes before closing on XX/XX/XXXX. My husband - who is a co-borrower - was not provided with the document at all prior to closing. 

This led to other issues. I had asked for the principal amount of the loan to be reduced to only cover the amount needed to close out the old loan and cover closing costs. Due to the 4-month delay, this would have decreased our principal by several thousand dollars as the original mortgage was for $ XXXX and the new mortgage is almost $ XXXX. This was not done as requested and, given we only learned this at closing, we either had to postpone closing ( which had already been delayed by months ) or accept the error. 

The second issue is that we were not told not to pay our XXXX mortgage payment for the old loan. Upon review of the Closing Disclosure at Closing, we asked about when to stop paying our current Santander mortgage. We were told that we should have already stopped as they assumed no payment in XXXX when calculating the final payoff amount for that loan. Given closing was on the XXXX of the month and our auto payment goes out that day, I was unable to stop it. So, I paid {$5400.00} to XXXX in early XXXX with no information on how or when I would get that money back. I followed up for the second time with XXXX yesterday ( XX/XX/26 ) and was told that they 'believe ' the money will come back in the form of a check likely in another 4-6 weeks.

I believe this is unfair and deceptive on the part of Santander as they should have told us not to pay the XXXX payment before XX/XX/XXXX. If we hadn't asked, I'm not sure we would have been informed of this at all. Now, Santander will have possession of the almost {$5500.00} for about 2 months - money that is mine and should be earning interest.
Product: Debt collection

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating and also I have insurance that covers 110  % of my medical bills and visits so there is no way that I will have any medical debts and they are just double charging the insurance company and asking for more money which is a clear violation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second dispute about these fraudulent accounts and inaccurately reported accounts. XXXX XXXX account number XXXX is inaccurately reporting late payments.Its reporting late payments from XXXX, XXXX I HAVE NEVER BEEN LATE WITH THESE PAYMENTS. I also have XXXX XXXX/XXXX XXXX account number XXXX is a FRADULENT ACCOUNT. I am building credit profile and these inaccurately reported accounts are causing emotional distress for me and my family.
Product: Credit card

XX/XX/XXXX - purchased XXXX XXXX tickets through XXXX with BoA credit card. 
XX/XX/XXXX- XXXX announced it will refund GA ticket to those who purchased a VIP ticket to upgrade. 
XX/XX/XXXX - emailed XXXX XXXX XXXX XXXX  refund with proof of purchase of a VIP ticket. Support confirmed my refund the same day. Promising 7-10 business days for my refund to be processed. 
XX/XX/XXXX - followed up the day before the festival regarding the status of my refund. XXXX confirmed you are all set. 
XX/XX/XXXX - emailed XXXX again for updates on my refund status. No response. 
XX/XX/XXXX - support responded stating that records show you requested to keep both therefore denying my refund. Despite my due diligence of following up weeks and days before and after the festival. The GA ticket was never used/scanned. 
XX/XX/XXXX- filed a claim with BoA credit card. In between then and now, Ive called BoA support like for status updates and finally asked how I could send proof of the email exchange between XXXX and I. They directed me to fax the email receipts. 
XX/XX/XXXX- efaxed the email proof to BoA. 
XX/XX/XXXX - BoA denied my claim.
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 NamXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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: Checking or savings account

I deposited a business check via ATM. Becuase of my XXXX and XXXXXXXX XXXX it's hard for me to socialize. I use the automated teller as result of. All.pf sudden they can't release my funds becuase they lost the check. They isay it's just not there yet? What ... .that sounds crazy. This is bilkion dollar federally back institution and my checks just not there yet? XXXX had XXXX of thousands of dollars in checks from my employees deposited into this account and all of sudden they can't release a check? This is discrimination against my XXXX and they need to be fined for this.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, GA, XXXX, XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear Consumer Financial Protection Bureau XXXX Subject : Fraud Complaint and Dispute Over Responsibility for Loans I am writing to formally submit a complaint regarding fraudulent activity associated with my name and financial accounts. Loans were taken out in my name without my authorization or consent by my guardians ( uncle and aunt ). I strongly believe I should not be held responsible for these loans and am seeking assistance in resolving this matter. 

The details of the situation are as follows : XXXX XXXX ( XXXX ) : Department of Education Loan Amount ( s ) : a. XXXX - {$7800.00} XXXX. XXXX - {$9500.00} XXXX XXXX- {$12000.00}. XXXX d. XXXX - {$6000.00} Total {$35000.00}. With interest upwards of {$45000.00} and rising. 

Incident Timeline : My XXXX XXXX XXXXXXXX have been involved in these fraudulent activities from XXXX Supporting Evidence : a. Forged signatures on refund checks b. Order of judgment by judge on my behalf. 
d. Police Report c. Credit Bureau Companies ' responses to my requests I have already taken steps to address this issue, including filing a police report, notifying the lender, or placing a fraud alert on my credit reports. Despite these efforts, the issue remains unresolved, and the financial institution ( s ) continue to hold me accountable for the loans. 

This situation has caused significant stress and inconvenience, as well as potential harm to my credit and financial stability. I request the CFPB 's assistance in investigating this matter and ensuring the fraudulent loans are invalidated. I also ask that my credit record be corrected accordingly. 

Please find attached, police report, identity theft, and correspondence with the loan servicer for your reference. I am happy to provide any additional information or documentation required to assist in your investigation. 

Thank you for your attention to this matter. I appreciate your efforts in helping consumers like me address financial fraud. Please feel free to contact me at XXXX or XXXX if you have any questions or require further information. 

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

I did not authorize this company to get my credit report
Product: Credit reporting or other personal consumer reports

Remove this account because It is not mine XXXX telephone co. XXXX
Product: Student loan

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
4. Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 
This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 
I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.
Product: Money transfer, virtual currency, or money service

I'm the volunteer XXXX for our high school athletic boosters club. We received our verified charity status through PayPal in XXXX, which authorized me to open and link a Venmo charity profile to my personal Venmo profile in XXXX XXXX. I was permitted to make XXXX personal payment on my personal Venmo profile on XX/XX/XXXX in order to pay for hair services. Venmo wouldn't allow me to upload my personal checking account in order to pay through that account, so I was forced to upload my debit card information in order to complete the total payment of {$180.00} ( hair service, supplies, tip ). Once payment was completed, I promptly removed my banking information. I strongly feel that there should be a separation between personal and charity finances. Venmo forces users to combine these accounts inappropriately by linking charity profiles to a users personal account. Our annual fundraising event was scheduled XX/XX/XXXX ; however, once we were finished, and I made my first initial attempt to transfer funds to the charity checking account with our financial institution, I received an " Error '' message. Venmo would not accept my manual routing/account number submission. I attempted to search for financial institution on XXXX, the alternative option for linking bank accounts, and that financial institution was not listed. I hesitatingly attempted to enter in my personal account information, thinking there was some type of system error. After multiple attempts, the account is now suspended. I have escalated the call numerous times, only to be told that I need to upload documentation for verification. I have uploaded my drivers license, a " selfie '' with me holding my drivers license, a bank statement from the charity account that has my name included in the address, and a personal checking account statement through my personal financial institution, which is NOT where I want to the money to go. However, due to attempting to link that account in order to complete this transaction and close my Venmo account is the reason I added it to the verification submission. Venmo is currently holding on to over {$2300.00} of our high school 's booster money, and they will not, and have not provided any information on the status of this " suspicious activity '' review, since I uploaded documents earlier this morning. Venmo doesn't have the right to hold our charity 's funds. Our account went through the verification process in order to receive charity status through PayPal, Venmo 's parent/sister company, and this bogus review is delaying money that is owed to our student athletes. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I supplied all three credit bureaus with proof from the XXXX XXXX XXXX verifying that the debt being reported by XXXX XXXX for XXXX XXXX XXXX in the amount of XXXX was not valid and should be removed and despite the written proof from the court showing a balance due in the amount of XXXX and that the eviction was dismissed and balance was XXXX. This item continues to be reported and is negatively affecting my credit. I have contacted the company for assistance and have not received a return call with a resolution. I am requesting that this item be removed as it is not valid or accurate. 

I submitted the proof of dismissal with a XXXX balance to XXXX, XXXX and Transunion on XX/XX/2023 and was advised that it was forwarded to the company for investigation and removal on XX/XX/2023 and today XX/XX/2023 the item has not been removed. Please see attached proof of dismissal with a XXXX Balance from the XXXX XXXX XXXX.
Product: Debt collection

The collector has been contacting before XXXX local time and after XXXX local time. I want the company to cease and desist all contact with me other than by US Postal Service.
Product: Credit card

I applied for a business credit card based on a pre approval offer and a fraud alert which was placed on my credit by myself triggered a freeze to all my personal cards that have been open for over a year and been in use. My account was verified and still the freeze was not removed, instead they requested for me to send bank statements which was sent and now they are requesting business account statements which has nothing to do with my personal accountshowever they refuse to unfreeze my account even though I gave them all the information they requested. I then asked for them to send me more information in writing as to the reason for all the inconvenience being caused by them and they told me that they do not know what to send in writing as they have a right to do whatever they want with my account whenever they want to.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWELEGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you  have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Debt collection

On XX/XX/2021 I received a correspondence from Ic System in regards to an alleged debt. IC System has violated many of my consumer rights. Exhibit A violation 15 USC 169 2b ( 3 ) by printing a full logo on the top of the page. Exhibit B violation 15 USC 169 2B ( 2 ) an alleged debt amount that has a positive balance. Any alleged debt that is owed should print a negative sign in front of the debt. Exhibit C 15 USC 169 2 B ( 2 ) Using Threating language in the body of the letter.