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

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

Account Name XX/XX/XXXX Bankruptcy Account Number : XXXX Account Name XX/XX/XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: 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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, XXXX, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following XXXX included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting 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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXBalance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$300.00} US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

This can best be explained by sending you the text of what I sent to EastWest BankXXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- I just heard from XXXX XXXX that you are refusing their request to refund the money they sent to you on my behalf. They told me that the reason is you suspect I have perpetrated a fraud or am the victim of a fraud. This is the first I have heard of this and I am amazed that you did not even reach out to me or XXXX XXXX about this serious accusation. In America, when someone is accused of a crime, you accuse them and show them the evidence. You did not do this in this case. Just for your information, I have never been convicted of a crime in my LIFE. I have not even been arrested on suspicion of a crime in my LIFE. I am a credentialed public high school teacher and like to think I am an honorable and honest person and I find the simple accusation of fraud deeply offensive. The only fraud being committed here is by EastWest who has taken my money and refused to return it. 
I feel there is XXXX profiling at play here where you see an XXXX XXXX  man who is corresponding with a young XXXX women and the immediate assumption is " Oh this must be fraud '' ( and I was told this in so many words by one of your employees ). There are serious penalties for XXXX Profiling, which is a type of fraud in itself so EastWest is on notice that that is the type of fraud THEY are committing. I am also complaining to the Consumer Financial Protection Agency which is the government agency that regulates you, so expect to hear from them very soon. And just a heads up, they do not look kindly to XXXX Profiling. The fact that you accept people 's money and refuse to return it and not even give a REASON why you are not returning it, is also illegal and I will tell you now they will be looking at that and they take that type of thing very seriously. 
I have also picketed XXXX XXXX XXXX XXXXXXXX XXXX, where I carry a big sign saying EASTWEST BANK STOLE MY MONEYXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I will do this daily until you decide to obey the law and refund my money. 
Please call me about this if you have the courage. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX CA XXXX ( XXXX ) XXXX
Product: Consumer Loan

This company stated that I would not be charged anything if I turned the car in ... I advised them that I was having financial problems and wanted to know what I can do because I could not afford the payments any more ... .they said that I could turn the car in and it would be a voluntarily surrender. now they are saying that i owe them extra funds on the vehicle.I told them to knock on my door and I would give them the keys ... ..
Product: Credit card or prepaid card

Synchrony Bank closed all 10 or 11 of my credit cards without notice. 2 of which i have had for over 10 years and one ( Lowes ) had a credit limit of {$19000.00} with only a {$4000.00} balance. Never a late payment ever on any credit. with this bank. Ever in my life. They closed Belk, both the store card ( 0 ) balance and the Belk mastercard, paid off monthly, American eagle paid off monthly, BP Visa credit card balance paid off monthly, JP Penny used once a year paid off monthly, Care Credit used twice in 8 years had a XXXX balance on it and it is now paid off only because i was so upset. Pay Pal regular card and also the Mastercard they closed, Paypal regular still holds about a XXXX balance, Mastercard holds a XXXX balance-Auto pay is now set to {$300.00} as of today. Gap mastercard has a {$5300.00} balance. Credit limit was XXXX i believe. Said i was a " High risk for Failure to Pay '' Yes i will admit, too many cards.. But a high risk when several of them were paid off pretty fast if you ask me. Yes my score did take a drop, but with fighting a blood condition which I am winning, I am paying credit down in a hurry. High Risk of Failure to pay, but most had XXXX balances and others were paid off monthly, no late payments ever.. The letters attached explain nothing but pure, in my eyes, Stereo typing due to credit score drop. 

All I am asking of for My Lowes card back, my BP card and my Care credit for my cats. That's it. I don't care about the others. 

We used Lowes to finish the 2nd floor of our new home 2 years ago. We own a business as well. Please help us, as this has happened a lot of other people here lately due to the pandemic and it's not fair, people with excellent payment history should not be punished and have credit revoked. Reduce credit limits, send letters, help others, don't hinder. Don't judge, reach out, lend a hand. What is our country coming to? 

Please help I just want my 3 cards back that matter to the most. Without having to reapply. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX  XXXX Balance : {$4300.00}.
Product: Mortgage

During the Covid-19 pandemic I filed for a forbearance with Sterling National Bank for the months of XXXX, XXXX and XXXX of 2020 and it was accepted. Beginning in XXXX of 2020 I resumed my monthly payments to Sterling with the understanding the unpaid amounts would be attached to the end of the loan. That did not happen and I subsequently started a mortgage refinance with another lender, who will not complete the refinance without a letter from Sterling stating I am no longer in forbearance and have been making regular payments from XX/XX/2020 to the present time. Sterling Bank will not process thais letter in a timely manner and claim they need 3-6 months to satisfy the request. Sterling Bank has also prevented me from accessing my payment history, claiming I am still in forbearance and therefore do not have access to my payment history.
Product: Payday loan, title loan, or personal loan

I took a {$750.00} Loan on XX/XX/18 from XXXX XXXX XXXX XXXX ( XXXX ) I made two payments as of XX/XX/18. 

First payment made was on XX/XX/18 Second payment made was on XX/XX/18 My balance on this {$750.00} loan is {$810.00} as of XX/XX/18. How can this be after making {$360.00} in payments? The balance is going up! Highway robbery!
Product: Credit reporting or other personal consumer reports

Experian refuses to correct the report with the correct information reported from the creditor and the consumer. Numerous disputes have been filed since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a glitch in the banking system showing DIFFERENT DATES AND MONEY OWED AND extra charges and fees that were added and a mistake with an employee who was notified to take a payment out directly on the XXXX and failed to do so which caused me to go over 30 days late pluse extra charges and fees and it was added to my credit report as a 30 day late and I can't get it off. Beyond angry and upset I can't get it off my record now I tried to dispute it through both bank and credit bureau with no luck. It's my only 30 day late in a XXXX loan with Wells Fargo XXXX I would like to get these fees reversed and have this one 30 day late removed from my credit report. REGARDING MY CAR LOAN WITH WELLS FARGO CAUSED BYE HUMAN AND SYSTEM ERROR. THAT HAS COST ME EXTRA MONEY IN FEES AND CHARGES AND HAS BEEN EFFECTING ME AND MY CREDIT EVER SINCE. THIS IS UNJUST AND FRAUDULENT.
Product: Credit reporting or other personal consumer reports

The accounts below are reporting missed payments which are incorrect. 

XXXX XXXX XXXX XXXX  its saying i missed a payment XX/XX/XXXX. 

XXXX XXXX  unsecured loan its saying i missed a payment XX/XX/XXXX. 

XXXX XXXX XXXX XXXX is reporting 4 incorrect missed payments. 

XXXX XXXX XXXX  reporting 3 missed payments incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXXXXXX XXXX Balance {$570.00} DEPT OF EDUCATIONXXXX XXXX Balance {$8700.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance {$3700.00} XXXX XXXX XXXX  Balance : {$530.00} XXXX XXXX XXXX Balance {$570.00}
Product: Mortgage

I have tried multiple times to contact the Hud office as well as the county offices that are supposed to help with dealing with mortgage companies. I was not offered a fair partial claim as I was told by the FHA lady when I spoke to them about the issues of this company trying to take over my mortgage and stating I owed more than I owed my original lender. Also I was told I must pay the XXXX for the partial claim in XXXX. The mortgager states I am 659 days past due which is not true. I was in forbearance until XX/XX/2022. I was not offered the 25 % deduction, or offered for the partial claim to be added to end of my loan. They were trying to say it was for XXXX when I only ever had a mortgage for XXXX with XXXX XXXX. This all violates my rights via the American Rescue Plan and the Cares Act. They are violating my rights as an American citizen. I never was served any foreclosure documents, I was not signing a partial claim that violates my rights. I alerted the company in XX/XX/2022 via XXXX XXXX and the credit bureau that I had been accepted and eligible for the Home Owners Assistance Fund. I have paperwork stating different things and different information on each. I just want my mortgage to offer what I am supposed to be offered via American Rescue Plan. I do not have a phone to contact the company themselves. I have tried to reach them on the website but they have shut down that possibility as well stating I need to call them. They do not offer a way to email them. They are trying to violate my rights as well as steal my home from me. I was never offered what I was supposed to be offered. I did not have {$13000.00} because I paid {$17000.00} when buying my home. This amount was to be added to the end of my loan, as well as the numbers they have tried charging me were all incorrect. I was accepted by the HAF program and eligible but yet they do not want that to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I have been filing a dispute with all 3 credit bureaus and in particular 2 accounts have still not been investigated that is XXXX with all 3 bureaus and XXXX AND XXXX XXXX with XXXX. I have attached every dispute that has been sent to all 3 bureaus for these accounts. I also specified in each dispute the errors and discrepancies that are being reported. This is clearly a violation on so many levels as a consumer with not opening an investigation and not removing the inaccuracies being reported. Included also is my Driver 's license, utility bill and ssc for proof of my identity. Please considered this my written authorization for an investigation. At this point the bureaus have passed the timeframe given by the FCRA for an investigation. If I have to I will go as far as getting a consumer attorney and filing a civil suit. Please remove these items from my report immediately. 


Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

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

These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -EQUIFAX XXXX -- XXXX XXXX Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with identity XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.
Product: Bank account or service

TO START WITH I AM ON LIMITED INCOME DISABILITY AND I SAVED UP 4 MONTHS TO DO THIS IN TOWN TRIP.  I PLANNED EVERYTHING OUT HOW MUCH I WAS TO SPEND WITH MY DEBIT CARD AND THE REST WOULD BE CASH.  I LIVE IN XXXX, NV AND WENT TO THE XXXX FOR AN OVER NIGHT STAY ON XXXX.  THE MAIN THINGS I WANTED TO DO WAS XXXX AT XXXX AND THE XXXX DOWNTOWN.  I BOOKED A ROOM AT THE DOWNTOWNER HOTEL BECAUSE OF PRICE AND ITS LOCATION TO THE ZIP LINE SINCE MY RIDE TIME WAS XXXX MONDAY XXXX.  I CALLED THE HOTEL AND LET THEM KNOW I WOULDN'T BE THERE TILL AFTER XXXX.  WHAT I CHECKED IN THERE WAS A NEW GIRL WORKING THE OVER NIGHT SHIFT AND IT WAS HER FIRST TIME DOING A SPLIT PAYMENT.  I HAD HER PUT XXXX ON MY BANK CARD THE I PAID CASH FOR THE XXXX DEPOSIT AND THE XXXX SERVICE FEE.  WHEN I CHECKED OUT I GOT MY XXXX BACK THEN THE NEXT MORNING I TOOK XXXX OUT AT THE BANK AND IT SAID I ONLY HAD A LITTLE OVER XXXX LEFT.  I WENT HOME PULLED UP MY ACCOUNT AND SAW XXXX CHARGES FROM THE XXXX ONE WAS XXXX WHICH WAS RIGHT THEN XXXX WHICH SHOULDN'T OF BEEN THERE.  I CALLED THE BANK AND   I TRIED TO GET HELP STOPPING THE EXTRA CHARGE THEY SAID I HAD TO TALK TO THE HOTEL.  THE ONLY THING I GOT FROM THEM WAS THAT THE GIRL ON THE NEXT SHIFT DIDN'T THINK THE NEW GIRL CHARGED ME.  WHILE DOING ALL OF THIS I GOT XXXX OVER DRAFT CHARGES XXXX EACH.  I CALLED THE BANK AGAIN AND TALKED TO THEM ABOUT THE OVER DRAFTS AND ABOUT HOW I PLANED EVERYTHING AND THAT'S WHEN I WAS TOLD IT WAS BECAUSE OF THE XXXX CHARGE BY THE HOTEL  WAS TOLD THAT SINCE IT WASN'T THEIR MISTAKE OR MY MISTAKE THERE WAS NOTHING THE WOULD DO AND I WOULD HAVE TO GET THE HOTEL TO GIVE ME THE MONEY BACK.  I WENT TO THE BACK BY MY HOUSE AND THEY TOLD ME MY HOME BANK COULD REVERS THE CHARGE SO WENT THERE AND WAS TOLD THEY COULDN'T DO ANYTHING AND SAID THAT XXXX PUT IN MY ACCOUNT IF THE XXXX WAS RETURNED THE THE OVER DRAFTS WOULD ALSO BEEN RETURNED.  I TALK TO ANOTHER BANK ABOUT WHAT HAPPEN AND THEY SAID SINCE I REPORTED THE NEXT MORNING MY BANK SHOULD OF DONE SOMETHING AND I SHOULDN'T OF GOTTEN THE OVER DRAFTS.  SO I BORROWED MONEY FROM A COUPLE FRIENDS TO PUT XXXX IN THE BANK SO I WOULDN'T GET ANY MORE FEES AND STILL CANT PAY THAT BACK.
Product: Credit card or prepaid card

I have XXXX points on my XXXX XXXX Mileage Plus credit card. I attempted to use these points by going onto the company web page. I was unable to go through the various steps to redeem the points with a purchase. I contacted the credit card company and a representative in their computer department attempted to help me purchase an item however he was also unsuccessful in being able to download this item. I asked the representative if I can redeem my points by speaking to a representative and he stated that this is not possible as the redemption can only be made via the web. My points expire this month. The quandry is that I will lose these points because the credit card company can not help me and as I can not speak to a human being for the redemption.I will lose these points this month. I am enclosing several documents.
Product: Credit reporting

in the last 60 days i have requested from EQuifax credit reporting agency a physical verification of consumer documents in their in their files of a CH XXXX Dismissed Bankruptcy that has been placed on my credit report i have ask them for a physical verification of how the this information was obtain well it be from third party source, i have not receive this information as of yet, this dispute falls under the fair credit reporting act section ( 609 ) i have a right to this information since it is on my credit report
Product: Checking or savings account

This is additional information I want added to my current complaints # XXXX, XXXX and XXXX against XXXX  XXXX XXXX aka XXXX and Discover Bank XXXX! Not only did they steal {$25.00} fraudulently from my Discover checking account under the name of XXXX XXXX XXXX on XX/XX/XXXX for a NSF fee on a check that was NEVER a NSF, it was paid on the second attempt when XXXX XXXX, XXXX XXXX XXXX XXXX, presented it a second time, then a week later XXXX steals this {$25.00} from my checking account!!! On top of these two and the company working together to commit fraud and steal from customers, they then flat out LIED to the CFPB and Discover Bank!!! They told the CFPB they did not receive this fee and had resolved all on their end, LIARS AND THIEVES!! Then when I saw it had been taken from my account, after the CFPB gave me this response they gave them, I filed a dispute with my bank Discover Bank which I had to contact corporate over and file a complaint to get done, then XXXX their investigator, allowed them to keep the funds claiming it was legitimate after she ignored two of my phone calls and then sent me a short note stating this!!!!! All of the banks are in cohoots allowing this illegal activity!!! Then I get the report from XXXX showing a list of checks that were paid when I wrote them in the past that were NEVER NSF 's either along with them showing a resolve on a check ( # XXXX for {$30.00} to XXXX XXXX XXXX on XX/XX/XXXX ) that was NEVER a NSF, this is the one I am disputing with this claim and also showing on XX/XX/XXXX XXXX # XXXX ( which was never even used, as I always prepay my gas and they declined the check at XXXX XXXX XXXX in XXXX IL that day and they show this duplicated and not authorized claimant with a code 5 which means possible bad check and I had plenty of money in my account and had no bad checks out nor had I had any!!!!! ) I want all of these removed from my report now and I want all of this information handed over to your investigators and the FTC for prosecution, these idiots NEVER learn they were just fined billions a couple of years ago by the FTC for the same!!! I am also contacting a lawyer about all!!! I also want my {$25.00} they stole from my checking account reversed by Discover or they will be included in the lawsuit. I also want the FDIC notified of all. I have already filed a complaint with the FTC and will contact the FDIC myself tonight too!!!! Shut these crooks down!!!