23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hello, I have disputed the below as i am unaware of the inquiries listed below. I believe I am a victim of Identity theft. The below is affecting my credit score and I am unable to make repairs on my furnace which is dangerous. I am asking that the below inquiries be removed from my report asap Please. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, Experian is required to verify the information and status of the account being reported on my Credit Report. But in my case, they have kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that they provide me copies of documents bearing my signature to verify the status of the disputed accounts. If Experian failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX XXXX XXXX .... Date opened XX/XX/2017 XXXX {$690000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$1600.00} XXXX  XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX/XXXX  Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX  XXXX Inquired on XX/XX/XXXX  XXXX  XXXX Inquired on XX/XX/XXXX  XXXX XXXX  Inquired on XX/XX/XXXX  XXXX XXXX  Inquired on XX/XX/XXXX  XXXX Inquired on XX/XX/XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX TO : Federal Reserve Bank Consumer Financial Protection Bureau FR : XXXX XXXX XXXX RE : COMPLAINT - Citibank Lending Practices Unethical I opened a Home Equity Line of Credit ( HELOC ) with Citibank on approximately XX/XX/XXXX. My first mortgage was also with them. One of their requirements was to open a checking account ( Checking Plus ) and an overdraft line, along with the Home Equity Line. I resisted as there was no need for a separate checking account, but Citi insisted I have it. 

My condominium was refinanced through XXXX XXXX in approximately XX/XX/XXXX. My Citi first mortgage was paid off at that time. 

The HELOC stayed open and I continued to pay it down. 

When the property was sold on approximately XX/XX/XXXX, escrow requested clarity on the HELOC. I agreed to pay off the HELOC myself, outside of escrow. That payoff was completed on or around XX/XX/XXXX. 

I called Citi and requested that ALL accounts associated with the HELOC. That would include the Checking Plus. 

On about XX/XX/XXXX, I received a statement with {$10.00} owing for the Checking Plus account. I was under the impression they closed this in XX/XX/XXXX, and called Citi again. I paid the fee in a Citi branch ( XXXX XXXX XXXX, along with a verbal complaint. I have a receipt showing that the account was closed. 

On XX/XX/XXXX, I received a notice via text that I owed {$170.00} for the Checking Plus service fees. Again I called and understood all accounts had been closed. 

On XX/XX/XXXX, I went into the local Citi branch again to complain and tell the whole story again. I spoke with the Branch Manager, and she told me she would research it. When she got back to me several days later, she stated that I closed the regular checking, but failed to close the checking plus. They also insisted on payment of the {$170.00} to proceed with closure. 

Citi also reported adverse credit information to the credit bureau. They have since refused to fix the adverse credit information. 

As I researched the {$170.00} in fees, I saw that in XX/XX/XXXX nothing was owing. In XX/XX/XXXX, it showed {$65.00} in checking and {$100.00} in overdraft. I NEVER used these accounts and they should have been closed multiple times. 

This has been a maddening experience, causing me hours and hours of time and trouble. I have called multiple times, and made 2-3 branch visits to try and rectify this. I also want all service fees ( minimum {$170.00} ) refunded to me ASAP with a corporate apology. I want all adverse credit info removed ASAP. They are an unethical bank with very poor customer service. 

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

CARRINGTON PULLED A CREDIT REPORT ON ME ON XX/XX/XXXX THEY HAVE NO PERMISSABLE PURPOSE TO PULL A REPORT. 
ACCOUNT WAS DISCHARGED IN BANKRUPTY IN XX/XX/XXXX.AFTER XXXX NO ENTITIY HAS A LEGAL RIGHT TO PULL A REPORT ON ME, I DO NOT HAVE AND ACCOUNT WITH THEM ALSO WHICH MAKES IT EVEN MORE ILLEGAL.STRIKE INQUIRT=Y FROM MY REPORT COPY BELOW FROM XXXX CARRINGTON MORTGAGE SERV XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX Requested On : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

A person impersonating themselves as a member of the Charles Schwab XXXX XXXX contacted my wife via phone on XXXX XXXX, 2024 at XXXX EST. After obtaining information regarding our bank account through a series of text messages and calls disguised as official Charles Schwab communications, XXXX wire transfers took place for {$300.00} and {$9200.00} from our bank account. Once we realized the fraud took place, we contacted the XXXX  department of our bank ( Charles Schwab ) at XXXX the same day. The Charles Schwab XXXX agent, XXXX XXXX, was able to trace the funds to the receiving bank, XXXX XXXX XXXX XXXX, with a corresponding account number, name, and address in XXXX, XXXX. We were contacted by our Charles Schwab XXXX XXXX agent, XXXX XXXX XXXX , the morning of XXXX XXXX 2024 to file a report with the FBI and to request our funds back from XXXX XXXX XXXX . On XXXX XXXX, 2024 we were informed that XXXX XXXX denied our claim to receive our funds back because 'the funds were no longer available '. This is grossly unjust. My wife and I are hard working, law abiding citizens with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and are now left financially vulnerable because of a criminal. The lack of protection for US citizens from these huge financial corporations is saddening to say the least. PLEASE help
Product: Student loan

my personal information was used to obtain student loans and I had no knowlege my personal information was lost before however I did know until last year that some one had been using my identity and its been crazy trying to prove im who I say I am ever since I need help getting these accounts removed from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Sallie Mae has constantly been on my credit report as closed and 120 days past due. They no longer handle my loan but on my credit report instead of taking it off my credit reports they just put transferred in the notes but it still shows up negative closed account on my report. They have removed one or two so I know it can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX, XXXX XXXXl XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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
Product: Debt collection

I am a victim of Identity theft and I have sent countless letters to XXXX and Franklin Collection Svc. 

Both of the collections agencies are listed on my credit and are currently coming after me for a fraudulent account with XXXX XXXX XXXX. I have NEVER been contacted by XXXX XXXX XXXX but that is who they both claim the debt is owed to according to my credit. 

XXXX sent me a notice dated XXXX XXXX, 2015 not trying to validate the debt but to make a settlement offer, however, the account was already on my credit and has been on my credit since XXXX 2015. I have never received a notice from Franklin Collection Svc- they just placed the account on my credit.
Product: Credit reporting or other personal consumer reports

Now according to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Unfortunately I am victim of unfair practices.I am a consumer and XXXX and Equifax Just to remind you I have a right to not have my information shared with third parties this is also backed ( 15 usc 6801 ) which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : IN ACCODANCE with the WRITTEN instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked effective immediately. Another reminder ( 15 USC 6802 ( b ) ( c ) a reference A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I have yet to be informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission and is against the law. So I am now bringing it to the attention after long hours of research according to 15 U.S. Code 1681s2 ( 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. 15 U.S. Code 1681e states '' and this is why I as the consumer I am demanding that reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " I may exercise the right to opt out at any time. '' I will like to be shown the validity of alleged debt and would like to see all forms of communication and I am asking for phone records as well
Product: Student loan

I've attached a 2 page PDF because this issue has gone on for months. 

In summary, Mohela promised me for months that I would be entitled to a 0 % interest benefit once I reached a XXXX XXXX. When that day came, however, they quickly denied the benefit. To date, I've received around 6 denials. I knew the basis for the first denial was improper right away, as soon as I pointed this out they gave me another basis. They told me a federal regulation disqualified me from the benefit. 

I asked them what specific regulation or guidance they were relying on around 10 times and they refused to supply one, only ever giving a blanket denial and saying " a federal regulation ''. Finally, after I explained that I'm not only a XXXX, but also a XXXX, they put me in touch with a Director who told me all the previous denials were baseless. 

If it was this hard for me to get the benefit I'm entitled to, I'm sure they have denied hundreds of other XXXX access by lying about federal laws they made up. One of the messages was from a supervisor who said I should have been denied from the beginning and the Veterans Liaison team had since been trained to do so. I'm pretty sure this is the basis for a class action lawsuit, if any other XXXX have been hurt.
Product: Credit reporting or other personal consumer reports

I have put in several complaints against Equifax and XXXX. They refused to move false information off of my report. They failed to do their investigation. They lied and said that the information was verified by the company. The Company, XXXX XXXX state that they dont have any records of me having a lease or financial account with them. On my report for Equifax and XXXX. It states that I made payment to XXXX XXXX and that I have a balance of approximately {$11000.00}, which is false information. This account does not exist. Equifax and XXXX have violated my consumer rights. This will be my last complaint to the CFPB. If this matter is not handled after this, I will filing a pre lawsuit against Equifax and XXXX
Product: Debt collection

The company mentioned herein has listed an account on my credit report that does not belong to me. I have or had absolutely no dealing whatsoever with this this company or its affiliate creditor. This company and I have never exchanged any communication whatsoever. Thereby, this company has never contacted me ; thus not giving me an opportunity to request verification of this alleged debt. The company went straight ahead and reported an unverified account to the Credit Reporting Agencies. I believe that my rights under the Fair Debt  Collection Practices Act have been blatantly violated by this unknown company. 
The information listed on my credit report is as follow ; Creditor Information : LTD FINANCIAL SERVICES XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Amount allegedly owed : {$520.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

SANTANDER CONSUMER USA 34 POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$26000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Status Account charged off. {$25000.00} written off. 
Status updated XX/XX/XXXX Original balance {$26000.00} Monthly payment - Last payment date XX/XX/XXXX Company sold XXXX XXXX XXXX XXXX Original creditor - Comments Purchased by another len Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 15 U.S. CODE 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 alleged identity theft.not later than 4 business days after the receipt. 
ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER
Product: Mortgage

I have been getting the run around from Wells Fargo for years. I submitted a complaint to your office over a year ago and they began working with me in hopes of getting a loan modification ( after already giving them over {$32000.00} towards a modification, that they are now telling me was used for " fees ''. I have submitted my paperwork and financial information to them over 20 times. My case was supposed escalated to Wells Fargo 's " president 's office " and assigned a special rep to help get this resolved after my first complaint- but that eventually led nowhere and I was told I did not have options and I should consider a short sale, which I did not want, I have always wanted to keep and could afford modified payments- now they are beginning to foreclose. This is disgusting that they have been able to do this and my home will be foreclosed upon when I can in fact afford a payment. Additionally, my {$25000.00} loan is now at {$500000.00} because of all the fees they have tagged onto my original loan ... .please help!
Product: Vehicle loan or lease

The car was repossessed despite agreed upon payment plan. Once the car was repossessed no resolution or solution was offered. Upon repossession of the XXXX XXXX, the tags were taken with the vehicle. This happened in the middle of the night. I have since been mailed toll fees and tickets in the mail with pictures of my car and tag plates/registration sticker included. It is evident that the vehicle is still being driven by someone. I also had many personal belongings in the vehicle that were lost as well. Failure to provide information of the vehicle location after repossession was also a problem. I paid 78 % of the vehicle off and spoke to Capitol one auto team about payment arrangements that were agreed upon verbally via phone. I was pregnant and working at XXXX XXXX at the time and had every true intention to get caught up. This was not only a huge devastation, but ceased my ability to then commute to work while also newly pregnant.
Product: Consumer Loan

GOOD MORNING, I have a newly created loan with the BANK OF THE WEST, I put down {$8000.00} on XXXX/XXXX/2015, the payment was {$540.00} monthly, I was told if I put down more money {$12000.00} the monthly payment would be lowered to {$400.00} monthly with a new contract superceding the XXXX contract that was to be destroyed, however I received notice that on XXXX/XXXX/15 due is {$540.00} and when I call Loan officer XXXX XXXX XXXX XXXX XXXX Bank of the West, XXXX states that in his notes he wrote to disregard the XXXX XXXX/XXXX/15 contract that XXXX/XXXX/15 contract with addition money from XXXX was to lower payment to XXXX and this was the loan to be processed, I ask XXXX how this happen XXXX replied it was an error, I asked for a letter stating the that XXXX contract XXXX/XXXX/15 was supercede by XXXX contract of XXXX/XXXX/15 was the bank error of which I have not received and BANK OF THE WEST loan officer XXXX XXXX REFUSES to return calls to me .however a XXXX XXXX XXXX Bank of the West XXXX XXXX XXXX has contacted me, on behalf of the credit dept, and I ca n't get a answer to my issue which is pressing, My concern is if I make payment of {$540.00} on XXXX/XXXX/15 which I 've received notice for of which this loan application was to be destroyed as per XXXX XXXX that the superceded loan application of XXXX/XXXX/15 for {$400.00} will be demanded of me thus having to pay XXXX loans for the XXXX RV motor home when asked of XXXX this she replied I ca n't answer that I don ; t have the second superceded loan application yet, now I 've call XXXX at Bank of the west and left a message that If XXXX call me with fax # I would fax to her the XXXX contract XXXX however I XXXX is not returning calls either, I am very much afraid that I will be paying to loans to the tune of over {$200000.00} and I ca n't get answers but {$540.00} is due on XXXX/XXXX/15 and then {$400.00} on XXXX/XXXX/15, I feel I am the victim of the banking industry predatory nature, I be grateful if CFPB would look into this, there is also a inquiry ref. # from a call to CFPB # XXXX
Product: Credit reporting or other personal consumer reports

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX GROUP AND XXXX XXXX Balance Owed : {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX IN. COMPANY ) XXXX Balance Owed : {$90.00} XXXX XXXX XXXX Balance Owed : {$0.00} ELEVATE XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I. Booked a XXXX XXXX XXXX  This past XX/XX/2021 through XX/XX/2021 for a 7 day round trip XXXXXXXX XXXX XXXX XXXXXXXX this was my 3 rd consecutive XXXX  with XXXX XXXX line while already on XXXXXXXX XXXX XXXXXXXX XXXX  I physically went to customer service desk. Initially Inserted my XXXX XXXX XXXXXXXX Credit card fir {$2400.00} XXXX the customer service. XXXX employee told me my XXXX  XXXX XXXX credit card was not read And they couldnt bill. It asking me for another form of payment in which I gave XXXX  my Chase Debit card which was read debiting my chase debit card {$2200.00} which was read and went through. When I flew back home in XXXX XXXX California I received both my XXXX  XXXX XXXX credit card statement showing infact XXXXXXXX XXXX XXXX  did charge my XXXX  XXXX XXXX credit card in the amount of {$2400.00} when they denied the purchase went through. Double charging me for the same cruise as they also debited my chase debit card for {$2200.00}. I have called XXXX XXXX  for a apology as well as a credit letter from them Explaining why they charged both my banking cards. For the same identical cruise I have provided proof copys of my XXXX  XXXX XXXX charge to chase bank as I disputed the {$2200.00} XXXX  debited my debit card. 1 week ago where chase XXXX of XXXX XXXX  manager XXXX XXXX Chase central Claims headquarters my proof of the double charge XXXX double charged me in my XXXX  XXXX XXXX card yet over a week later Chase. Claims headquarters says they have NOT received my proof. I find this rather ODD a fax takes only minutes not days? I need your help. Since XXXX  refuses to return Chase banks numerous calls. About XXXX  double charging me as well as chase headquarters Claims. Saying they havent received my proof of double billing for the cruise I spoke and emailed XXXX  about the problem and received no explanation of responsibility nor a Apology