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

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX  XXXX Balance Owed : {$8100.00} ; XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX  XXXX  XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX  XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

N accordance with the Fair Credit reporting Act Account XXXXXXXX XXXX XXXXXXXX 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 604A. It also states a consumer agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect addresses XXXX XXXX XXXX XXXX - Incorrect addresses XXXX XXXX XXXX - Incorrect Names XXXX XXXX XXXX - Incorrect Names These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Mortgage

Consumer Financial Protection Bureau ( CFPB ) CLOSING DISCLOSURE : FILE AND ESCROW # XXXX XXXX OFFICER/ ESCROW OFFICER : XXXX XXXX XXXX XXXX  : XXXX ID XXXX FL ID # MLD XXXX LOAN OFFICER/ REALTOR : XXXX XXXX XXXX # XXXX CONTACT FL LICENSE # As a 1st time home buyer, I was apprehensive about the entire process and relied on the professional services provided by my realtor and loan officer 's guidance and recommendations. I understood having a stellar credit and solid financial health is paramount to achieve the best result throughout the process. These measures were planned for and achieved.

During the purchasing process my mother had a serious health scare. As a health care provider my primary attention was shifted to provide ultimate care for my mothers full recovery. My realtor/loan officer was fully made aware of my overall situation. Therefore, I became more reliant on his guidance for a successful conclusion. 
Sadly, to admit, I strongly feel I was taken advantage due to my lack of knowledge with the purchase transaction followed by my mothers sudden health issues.

The issues that still lingers are as follows : 1. Why are my interest rates so high in accordance with my debt-to-income ratio and income/ employment stability?

2. Why did the lender and title company escrow 13 months of taxes ( {$7500.00} ) plus 1 year of advance payment for taxes?

3. Why did escrow take 1 year for insurance ( homeowners insurance ( paid in full {$2500.00} ) and 3 moths ( {$620.00} ) additional homeowners insurance escrow?

4. I was not advised the selection of the title insurance company is the responsibility of the buyer solely not my lender or realtor 5. I provided over 25 % down payment plus an additional {$87000.00} cash to close. Why is my cost of the loan so high including loan origination fees and points? 
Here Im over 1 month after the closing of my 1st home I still don't have a satisfactory answer to put my mind at ease regarding what appears to be inflated charges and inflated escrow account? I have attached exhibit 1 Closing Disclosure and exhibit 2 ALTA, regarding these questions?

My primary reason for filing this complaint is to ascertain clarity regarding the rules, regulations and laws established by your agency describes in RESPA covering section 6, 8, 9 and 10.

I trust the regulators will fully investigate my complaint and will provide the clarity I so deserve.

Thank you for looking into my complaint. Im confident and prepared to move forward with your findings.

Sincerely, First time home buyer
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a dispute and request for validation letter was delivered to the company via USPS certified Mail # XXXX. Reviewed my credit report 45 days later which showed the reporting of my account as delinquent without the required disputed designation pursuant to FCRA 623 ( a ) ( 3 )
Product: Mortgage

My mortgage was sold to BSI Financial midXXXX. I had been on a Covid19 forbearance at the time that it was sold to BSI Financial. BSI Financial then offered me a modification that I agreed to, filled out and signed the paperwork and mailed it back to them. Since then I have been calling 2 main contacts, 1 supervisor and their HR dept multiple times a day and leaving messages. I have not received any communication of any sort back from them. I do not know what the status of my mortgage currently is. I have also received a pre-default notice in the time that I have been trying to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Date : XX/XX/2021 Amount : {$350.00} In accordance with the Fair Credit Reporting Act XXXX Account # 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

My attorney sent the following letter to XXXX XX/XX/XXXX requesting a response with evidence the car was in fact damaged, which it was not. Nothing has been sent back. So now its XX/XX/XXXX and XXXX has sent me to collections with a company called Viking. There are many complaints on the CFPB site for both of these companies, and I want the harassment to stop. I never damaged the vehicle, there is not proof, I turned it in without any issues and I inspected it with the XXXX employee. Here is the letter sent back in XX/XX/XXXX : Re : False Accident Claim by XXXX ; rental agreement # XXXX XX/XX/XXXX To Whom It May Concern ; I received a claim from your companies on XX/XX/XXXX, dated XX/XX/XXXX, in reference to a car returned at the XXXX, TN airport XX/XX/XXXX at XXXX. 
The claim states there was an accident, collision, to the vehicle, and that I am to pay {$1300.00} for said damages. This is impossible as I never crashed the vehicle, I returned the vehicle to 2 gentlemen who were working at the drop off location, we walked the vehicle, and there was NO DAMAGE. No one called us to tell us there was damage after the fact. No one sent me a report for the damage, and I have not seen or been sent any pictures of the damage. Yet I receive a letter an entire month after asking for a payment to damage that was never done by me during my time with the vehicle. So the vehicle was repaired before even reaching me to discuss or show that there was damage to the vehicle. 
Further I called XXXX, XXXX, at XXXX, 3 business days in a row ; 1 ) XX/XX/XXXX left message 2 ) XX/XX/XXXX did not leave message 3 ) XX/XX/XXXX left message No return phone calls were made, and all 3 calls were made from my cell phone, which has a record of these calls. 
This is a completely false claim or gross error on your part, and I would like a letter sent back as the effect. I will seek legal action if either XXXX or XXXX decide to further proceed with the false accusations about me having and accident in the rental car. As I stated above, I dropped it off and there were 2 attendants laughing and talking. One came and walked the car with me, and I gave him the keys and went on our way.
Product: Credit reporting or other personal consumer reports

Everytime I have reported there was no update or was reapplied by the credit bureau. 

I want all reported accounts removed.
Product: Credit reporting or other personal consumer reports

( See Attached ) I have reached out to this company numerous times over the course of the past 2 months to remove this accurate account from my credit file to no avail. 

This company has sent out numerous stall tactics to avoid a proper investigation on the matter, despite me sending the information they have requested.
Product: Checking or savings account

Opened new account at suntrust bank, XXXX fla, on XX/XX/2020, checking. Needed to deposit cash, {$5000.00}. At that time, the agent of bank ( XXXX ), did not review with me the paperwork, therefore my email was wrong and my address, so could not get on line for info nor receive my my debit card, had to go back to bank to address the issue. And to this day have not received my bank card. On XX/XX/2020, deposited a check from XXXX XXXX  ( my account ) for {$50000.00}, the same day my money left XXXX XXXX. Suntrust  said funds wont be available until XX/XX/XXXX due to confidential information that it would not be paid. They already had my money. Called several times and left messages with the branch manager XXXX XXXX, never returned my calls. Went to bank, caught her outside and said why are you holding my money, you already have it, she confidential information said may not be paid, I, why wont you help me, She Ive logged all your calls and walked away.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Opened Date XX/XX/XXXX Balance {$4600.00}, XXXXXXXX XXXX XXXX Opened Date XX/XX/XXXX Balance : {$13000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please delete.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 604 " States rights to consumers privacy. '' Reporting agencies can not furnish an account WITHOUT my WRITTEN consent.
Product: Debt collection

XXXX claims I had service through them while I had service through XXXX. It is impossible to have two providers with one number! I also have bills that can prove such. Ive been trying to get this taken care of since XXXX with XXXX. They never fixed the issue then it moved to true accord and now has been going on for months.
Product: Credit reporting or other personal consumer reports

I've got into an accident and my vehicle was deemed total lost. My insurance and gap paid off the loan, however the bank has reported it as late payments and isn't showing the loan is being paid off. Because of this my score is really low and it's affecting my credit. I will appreciate it if you guys could assist me with this situation. 
Thank you.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice i have fraudulent accounts on my report. Please remove these accounts from my report as soon as possible. They are hurting my ability to obtain credit!
Product: Credit card or prepaid card

Barclays is unwilling to allow me to share my own personal financial data with other companies. I have the right to share my own financial data.
Product: Credit reporting or other personal consumer reports

I got a alert on my credit i notice XXXX XXXX XXXX XXXX placed a collections on my account. I reached out to XXXX XXXX XXXX XXXX on XX/XX/year> i also filed a ftc report. Up until this point i have called emailed and done as much as i can.
Product: Credit card or prepaid card

On or about XX/XX/2018, I receive a letter from Citi Bank stated that they were unable to locate my application for XXXX XXXX XXXX Visa card ( please see attachment Citi Card Letter ). Citi bank also request my application ID number on decline letter. 
On or about XX/XX/2018, I provide the Citi Bank with my application ID number on decline letter ( application id XXXX ) via email ( please see attachment ) On or about XX/XX/2018, I contacted citi Bank to ask about status of of my case. 
Until now, Citi Bank refused to give me any answer. 
I believe Citi Bank discriminates against me because of my race XXXX, Nationality origin XXXX, Sex XXXX, Age above 40, and Exercising in good faith my rights under the Consumer Credit Protection Act ( I filed complaint against Citi Bank to Consumer Financial Protection Bureau Case # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

address
name
accounts 
wrong


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

EQUIFAX DISPUTE CONFIRMATION NUMBER 'S REF : # : XXXX DATES : XXXX XX/XX/2019 CONT. ABOVE, AS FOLLOWS : # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 They refuse to correct information after being provided proof. 
They re-report an item thats been removed from your credit report without notifying me in writing within 5 business days.

They fail to respond to written dispute within 30 days.

They try to be both the purchaser of an account or the assignee. Its one or the other. 
They misrepresent themselves or the debt they are attempting to collect on. 
They try to re-age my account by updating the date of last activity on your credit report to try to keep negative information on your account longer. 
They continue to report a debt to the credit bureaus that they have not validated. 
EQUIFAX DISPUTE CONFIRMATION NUMBER 'S REF : # : XXXX DATES : XXXX XX/XX/2019 CONT. ABOVE, AS FOLLOWS : # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 They refuse to correct information after being provided proof. 
They re-report an item thats been removed from your credit report without notifying me in writing within 5 business days.

They fail to respond to written dispute within 30 days.

They try to be both the purchaser of an account or the assignee. Its one or the other. 
They misrepresent themselves or the debt they are attempting to collect on. 
They try to re-age my account by updating the date of last activity on your credit report to try to keep negative information on your account longer. 
They continue to report a debt to the credit bureaus that they have not validated.
Product: Payday loan, title loan, or personal loan

I have an existing title loan with One Main Financial from the XXXX and XXXX location or very close to that intersection in XXXX. My problem is not that I can't contact this office, it is the opposite. My payment is due on the XXXX of the month, and I have usually been paid a month in advance, but due to a unexpected expense, I was not able to pay on the XXXX. I knew I would pay it on the XXXX when I got paid. I had a missed call from One Main on the XXXX of XXXX at XXXX, at that time I went in and scheduled my payment online to be debited from my account on the XX/XX/XXXX in the amount of XXXX which is the amount that was due with late fee as they posted. I received another call on XX/XX/XXXX at XXXX XXXX which I missed because I was on another call for work. I returned the call at XXXX XX/XX/XXXX and spoke with a lady who was able to pull up my account to see why I was contacted, since I had scheduled my payment, she said I was good and did not know why XXXX I believe was the name of the guy who had called. I thought okay, all is good. On XX/XX/XXXX at XXXX XXXX  I received another call from XXXX. He said that he saw I had scheduled my payment but I needed to pay another {$26.00} for additional late fee and was trying to get me pay it on the spot and to setup auto payments. I informed him I would take care of the additional fee, but was not going to setup auto pay. He was wanting to know why I could not pay. I kindly told him I was not going to go into detail only that something unexpected came up and I would take care of it. On XX/XX/XXXX at XXXX I missed a call from One Main so I returned the call at XXXX and spoke with XXXX again XXXX XXXX told me that I did not pay the additional fee and wanted to collect it, also told me that he had in his notes that I told him that I was going to cancel my original payment to make a new one to include extra fee. I stopped him and told him I never said I was going to cancel my payment, only that I would take care of the additional fee. I also told him I did not appreciate his harassments for a payment I had scheduled. I feel like it is very unethical and excessive to be considering that I was not 30 days past due and I had scheduled a payment. I have never been harrassed like this before. I have kept my account in good standing to get this kind of treatment. I told him it was very unprofessional of him for these very reasons. I would understand if I was delinquent 30 plus days, but I was not. If I am getting treated this way I can only imagine how others are being harrassed. If I had the ability to pay this loan in full I would.
Product: Debt collection

My loan was through XXXX XXXX of XXXX, I graduated XX/XX/XXXX, XXXX put it into collections XX/XX/XXXX with out notice to revenue services. I contact revenue services made payment arguments, then they closed my account. I was recently contacted by one advantage that stated I had one day to come up with half of the payment and refused to accept anything less, and stated if I do n't they will put my account into collection the fallowing day. Am I still accountable for this account and if so what are my rights? I did pay a one time payment online of XXXX .
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

Subject : Complaint Regarding Unauthorized Zelle Payment To Whom It May Concern, I am writing to formally file a complaint regarding an issue I encountered with a Zelle transfer initiated through my XXXX XXXX account. Below, I have outlined the details of the incident, the actions I have taken to resolve the matter, and my requested resolution. 

Details of the Incident : I sent {$1500.00} via Zelle through my XXXX XXXX account to what I believed was a trusted contact. Unfortunately, I later discovered that I had been misled about the recipient 's identity. The transfer was made under the impression that the recipient was someone I knew, but it turned out to be a case of mistaken identity or potentially fraudulent deception. 

Actions Taken : Upon realizing the error, I immediately contacted Zelle customer support to request assistance in reversing the transaction or recovering the funds. Unfortunately, Zelle informed me that they were unable to take action or provide any resolution in this matter. 

I also attempted to reach out to XXXX XXXX customer service to explore potential remedies. However, I was informed that because Zelle transactions are treated as authorized payments, no recourse was available.