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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXXXXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 1 5 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a concumer an itam of the infnrmatinn ie folnd toconsumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 sent Advance Financial and request for Debt Validation to request and letter verifying un the Fair Debt Collection Act to sent me and Debt Validation Debt Collection notice to sent to my XXXX XXXX XXXX Legal counsel At XXXX XXXX XXXX proir to my notifying them i am being Legally Represented by XXXX XXXX XXXX from the letter of representation letter to provide us validation of the amount {$330.00} dollar. 
And they refusing to sent and debt validation notice validating the debt collection account they is trying to collect
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm a natural  person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act XXXX XXXX 3 missed payments & I OWED {$2600.00} open XX/XX/XXXX, XXXX XXXX XXXX XXXX 3 missed late payments & I OWED {$20000.00} open XXXXXXXX XXXX  XXXX XXXX late payments opened XXXX, XXXX XXXX XXXX XXXX XXXX late payments on XX/XX/XXXX open XX/XX/XXXX XXXX XXXX XXXX XXXX {$480.00} opened XXXX, XXXX XXXX XXXX XXXX XXXX said I owed them {$8900.00} open XXXX They are not the Original Owners 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. 

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I sent payments in full via Registered Mail to CITI CARDS ' indenture trustee per their indenture agreement and other filings with the XXXX  for Account ending in XXXX and Account ending in XXXX. A Payment Instrument UCC 3-104 NEGOTIABLE INSTRUMENT for each of these accounts along with a PAYMENT ORDER/Instruction UCC 4A-103 were included with a cover letter. The indenture trustee received this registered mail on XX/XX/XXXX. To date they have refused to except my Instrument as payment with no lawful justification. I sent payments in full again for these same accounts again via Registered Mail, this time to CITIGROUP 'S BILLING INQUIRIES mailing address on XX/XX/XXXX. They were received on XX/XX/XXXX. A couple weeks ago I contacted them informing them to place the accounts in Billing Error Notice pursuant to 15 USC 1666 while they were taking their time to resolve these matters. The case was referred to the Executive Response Unit in which I was to receive a call within 15 days. They have not called. According to UCC 3-603 and 604 TENDER OF PAYMENT ( b ) IF tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender. According to the Law that governs consumer transactions this debt is Discharged. UCC 3-301. PERSON ENTITLED TO ENFORCE INSTRUMENT states that the " Person entitled to enforce '' an instrument means ( i ) the holder of the instrument. I am the Holder of the Instrument, therefore I am entitled to Enforce the Instrument. CITI is in DISHONOR according to UCC 3-503. To date, CITI CARDS has violated their fiduciary responsibilities as servicers of my Credit Line. CITI knows that the payments provided are Notes used as financial instruments which I am entitled to collect based on the indenture agreement CITIGROUP filed with the SEC and the Trust Indenture Act of 1939. 
I would prefer not to include attachments with this complaint, but am happy to provide copies and register mail # s to CITI individual working on my behalf to resolve these matters.
Product: Bank account or service

On XXXX XXXX, 2016, I received 4 emails from Wells Fargo Bank, welcoming and thanking me for opening ( 1 ) Wells Fargo Everyday checking account, ( 2 ) Wells Fargo Way2Save savings account and ( 3 ) Platinum Debit card. I also received a thank you for registering to Wells Fargo Online. The problem is I no longer have any WFB account of any kind at the time. I previously held a {$80000.00} credit card which I had cancelled. I also previously had one of my XXXX accounts with WFB which I had since rolled-over to another bank. 

I can not get a straight answer or explanation from WFB about these emails. I am afraid that I may be a victim of identity theft or other financial fraud. 

I am attaching a couple of these emails. 

Sincerely, XXXX XXXX XXXXXXXXXXXX
Product: Credit card

I received two letters in the mail, one from XXXX and a second letter from XXXX XXXX, both were dated XX/XX/year>. The letter from XXXX indicated concern about someone using my personal information fraudulently and declined an application because of this. The second letter from XXXX XXXX indicated that they were not able to approve a credit card account for several reasons ; too many inquiries, ration of credit bureau trades with balance greater than XXXX, and number of revolving bankcards reported by credit bureau. 

I called XXXX and they reported that an inquiry was made to Citizens Bank on XX/XX/year> but that a credit card was not approved.

I want to report that someone is fraudulently using my information to attempt to open credit cards with Citizens
Bank, XXXX XXXX, and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing about experience inside of Bank of America Branch. I went inside the branch, and was waiting to speak with agent when someone who was inside the branch already started to threatening, and being abusive to me. The scary part is no one inside the branch intervened or stop abusive behavior. The branch manager and teller didnt say anything at all while the person came closer to try to hit me. 

I called the bank multiple times to speak with the manager but no one is answering phone. 

This BOA branch has horrible customer service, and This experience left us to believe its not safe place. 

Bank of America Branch address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Product: Checking or savings account

THIS APPEARS TO BE A FEDERAL CASE, LET ME PREFACE BY XXXX RECENTLY HAD MY XXXX ACCOUNT TRANSFERRED TO A NEW ADDRESS AT WHICH TIME MY SISTER AND I OPENED A JOINT ACCOUNT. FOR 2 MONTHS NO TRANSACTIONS WERE ON MY ACCOUNT ONLY ON THE JOINT ACCOUNT, BUT THIS MONTH XXXX 'S STATEMENT HAD A WITHDRAWAL FROM MY DEBIT CARD WHICH I NEVER USE FOR XXXX OF {$190.00}. ALSO SEEMS ODD THAT I RECEIVED A MESSAGE ON MY CELL XXXX XX/XX/2022 FROM XXXX WHICH STATED " HI XXXX OUR TEAM HAS JUST RECEIVED YOUR XXXX PHONE BILL PAYMENT. WE WILL SEND YOU XXXX XXXX STOP TO END XXXX ''. I HAVE NEVER RECEIVED NOTIFICATIONS ON MY CELL ONLY THRU EMAIL. 

I HAVE NOTIFIED MY BANK AND XXXX WHO STATED THEY WOULD TAKE ME OFF DIRECT PAYMENT, THANKS FOR YOU ASSISTANCE AND SHOULD YOU NEED FURTHER INFO PLEASE CALL XXXX
Product: Credit reporting or other personal consumer reports

These accounts were opened during a time when I did not live in the U.S, I was between XXXX and the XXXX XXXX XXXX. I have filed an FTC report which I'm including plus additional documentation which proves I did not live in this country while this identity theft was happening. 

I'm providing my XXXX passport, XXXX application and XXXX passport. As you can see I was out of the country all the time that these collections happened. 

The accounts in question are : XXXX XXXX XXXXXXXX XXXX {$5800.00}, XXXX XXXX {$32000.00}, XXXXXXXX XXXX XXXXXXXX {$6900.00}
Product: Money transfer, virtual currency, or money service

Summary of my complaint : I believe my first time use of MoneyGram service was in mid XXXX and had no problems with their service.. I had established a relationship with a XXXX  lady in XX/XX/XXXX and I visited her in XX/XX/XXXX and she visited me in the US in XX/XX/XXXX We are both XXXX y.o. adults. As I planned another a second trip to XXXX in late XXXX, and was planning to stay 3 months, I knew I would need a larger sum of money to live on. I went to my local Walmart, as I did before, and asked to wire, I believe, about XXXX or XXXX XXXX dollars to my female friend so it would be there when I arrived. When she went to receive the money I had wired, they refused to release it. The MG office in XXXX told her I would have to contact their Minnesota office for an explanation. I contacted their office and was told they blocked the transaction because they didn't feel comfortable with an American man sending the money to a XXXX  lady. Needless to say, I was disgusted for them making an unwarranted decision, without any history of fraud on my part, or hers! I ended up having my brother wire the money to me when I arrived. I have attempted to wire money using MG 5 or 6 times since, and regardless of the amount, they have all been rejected. Why? I ask. In one call to their office in Minnesota, I was told it was a computer issue that he couldn't change, but it would probably go away if I didn't try wiring for a couple weeks. That didn't work either! Essentially, I have been " black balled '' from wiring money to this lady, for no legitimate reason! They have absolutely no evidence of fraudulent abuse from me, or her. Whenever their computer system identifies me sending money to her, the transaction gets blocked! I have every right to file this complaint
Product: Mortgage

Hi Sir/Madam, In the closing statement or settlement documents, there is no where mentioned that there is a fee to closed an escrow account and I am not under PMI or anything. During the closing, the loan officer said I can call in anytime to close the escrow account if I want to. 

It is a FRAUD... ridiculous
Product: Mortgage

In XXXX of this year I was contacted by New Rez Mortgage Company. The Loan Officer named XXXX XXXX was offering us a lower mortgage rate, and told us that we were considered as premium customers, because of our good standing with New Rez. We agreed, and started the process. It was going to be a streamline refinance. Since then, and still to this date, we have not closed. We have spoke with Management, and was told to be patient, and don't be late on any payments, which we have never been 1 day late. We have also been given the excuse of Covid 19, and that things are taking longer than normal.Well, 9 months later, and still waiting. We have reported this to the XXXX XXXX XXXX, but nothing was still done. A Manager called, and said that they received the complaint, and they were working on it, please be patient. 
We were scheduled to close today XXXX with a Notary and Title, and was told by our processor that it was canceled for unknown reasons. This was the last straw as a customer, and now I am seeking help with this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I told the XXXX, XXXX, and Equifax to reinvestigate this account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

On XX/XX/XXXX us bank took all that I had and left me homeless stranded in Florida during hurricane Ian. I am Without food. I have been diagnosed with XXXXXXXX XXXX XXXX XXXX 1 year ago. I have an attorney. They took my money from my XXXX checking account. When I contacted XXXX  they would not help. They said it was a letter of intent. I needed to call us bank. XXXX new it was fraud yet still did nothing to help me. They keep telling me they will give me proof of the letter of intent. However IXXXXstill never received a copy and they closed my case without any help. I have been discharged from bankruptcy and no longer owe us bank a cent. I had proof of such. With a court ordered letter. However, XXXX Ignored me. Even knowing my condition. I contacted us bank. Us bank Then told me because I have an attorney they wont talk to me about my account. My attorney contacted them via email and called. They have not contacted him back till this day. My attorney can not work for free. Us bank has put me in a very bad place. I hope this doesnt not kill me!! Please help Im currently without a residence. Completely bankrupt and suffer from XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches.  The latest being XXXX Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting or other personal consumer reports

It is my personal statement that the inquiries that i have listed are fraudulent and need to be deleted pursuant to 15 USC 1681c-2. Also, Pursuant to 15 USC 1681e ( b ) you must maintain accurate records on my credit file at all time. Please update my personal information to reflect accurate records only. 
DELETE ADDED INQUIRIES : XXXX  XXXX XXXX XX/XX/23, XXXX XX/XX/23, XXXX XX/XX/23, XXXXXXXX XXXX XXXXXXXX XX/XX/23, XXXX XXXX XX/XX/23, XXXX XXXX XXXXXXXX XX/XX/23, XXXX XXXX XXXXXXXX XX/XX/23, XXXX XX/XX/23, XXXX XX/XX/23. ( XXXX ) ADD ACCURATE ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX. DELETE PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX CA XXXX. DELETE INACCURATE EMPLOYER : XXXX XXXX XXXX. 

Please see attached identity theft report.
Product: Student loan

I have been working hard towards keeping my credit in a good place and am currently trying to power pay on the Private Student Loan I have with the highest interest, while they ( the other XXXX I have ) are in deferment. The last time I checked my credit score was about XXXX and I contacted First Mark ( the private loan holder ) to see if I was able to refinance and they told me no. I just feel like 8 % is a lot for me to be paying in interest and was wondering if there is in fact a way to lower this loan so the extra payments I am paying will be worth it. Also, they told me that there is no way to put those extra payments ( After making the monthly payment ) directly towards the principle. I 'm also not sure how true this is either.
Product: Vehicle loan or lease

The car never was an issue to me making payments. The car I go from them always had recall issue to where I couldnt handle or get it handled. What was the point of making payments on a car that constantly went through recalls that couldnt get covered? The recalls is not my fault. Not only that they dropped my credit score and closed the loan account leaving the whole balance instead of telling me the amount my car was sold for.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter to equifax on XX/XX/2021 stating that there were items on my credit report that didnt belong to me. they never responded and its been 3 months.
Product: Credit reporting or other personal consumer reports

I have written and sent in over 30 days ago, my letter opting out Per 15 usc 6802 & 6805. I have chosen to opt out with these companies ( XXXX XXXX XXXX ) yet they are on my report for all 3 credit bureaus The XXXX account was sold and is charged off. A charge off is considered a certificate of indebtness, which is also considered income and MUST be removed The collections account was sold to a third party violating the privacy act of 1974. This need to be removed. 


I the consumer also never authorized my credit card utilization. The law states it is ILLEGAL to report transaction history without my written consent per 15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Credit card or prepaid card

When applying and subsequently being approved for my XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, I opted into an " Easy renewal '' program or feature of the card. It was disclosed to me in the terms and conditions of the card that enrollment in the program would offer an annual {$10.00} discount on the XXXX XXXX membership. I have not received this discount. Upon initial inquiry in XX/XX/XXXX, I would told that the program takes a full calendar year to go into effect. I inquired again this year prior to my XXXX 's membership renewal and was told that the program was discontinued on XX/XX/XXXX. This was never disclosed by the business. I am attached part of the terms and conditions furnished by the business in person at its XXXX XXXX, NJ location. Please see highlights on page three. The business has subsequently failed to remedy this issue or comment as to why or how it provided false terms and conditions and further place me on proper notice of the program change.
Product: Debt collection

I get numerous calls per day from midland credit management. No one will be on the call. If I make a payment they do not update the due date and continue the calls. I am receiving hundreds of phone calls a month I will n glad to provide cell phone records to detail the extent of the harassment
Product: Debt collection

Wakefield and associates has been trying to collect a medical bill from me for 2 years. First the bill should have been billed to my insurance as I have two insurance plans, but the hospital sent it to collections and never sent me a bill. Second I never signed an agreement that had the bill collecting interest. This bill started at XXXX and they had already added interest to it before contacting me and I refused to pay interest on a medical bill. We have been arguing for 2 years now and I believe what they are doing is illegal. The bill is now XXXX dollars. I have reported it to the credit bureau and they dont care.