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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. 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, State, 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. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$170.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I am currently facing an issue with multiple debt collection companies that are reporting on my credit report, which I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I have no contracts or agreements with Southern Management System. 

These companies have not provided any documentation containing my signature that authorizes them to report on my credit or engage in business with me. The following are the specific FDCPA laws that I believe these debt collection companies have violated : 809 Validation of Debts ( 15 U.S.C. 1692g ) : Debt collectors are required to provide verification of the debt within five days of the initial communication. They must send a written notice containing the amount of the debt, the name of the creditor, and a statement that unless the consumer disputes the debt within 30 days, it will be assumed valid. In this case, the above-mentioned debt collection companies have not provided such validation or verification of the debt.

807 False or Misleading Representations ( 15 U.S.C. 1692e ) : Debt collectors are prohibited from using any false, deceptive, or misleading representation in connection with the collection of any debt. Reporting to credit bureaus without a legitimate basis and without proper documentation or contract constitutes a misleading representation of the debt 's validity. 
808 Unfair Practices ( 15 U.S.C. 1692f ) : Debt collectors may not use unfair or unconscionable means to collect or attempt to collect any debt. Reporting a debt to credit bureaus without having the proper contractual authority or verification is considered an unfair practice.

818 Furnishing Certain Deceptive Forms ( 15 U.S.C. 1692j ) : It is illegal for debt collectors to design, compile, and furnish any form knowing that it would be used to create a false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes.

Given the lack of documentation and absence of a contractual agreement, the actions of Southern Management System are in violation of the aforementioned provisions of the FDCPA. I am seeking resolution and removal of these erroneous reports from my credit history. 

They are violating federal law and committing fraud by claiming that I owe them any money. They are using fraudulent means to unjustly enrich themselves.
Product: Checking or savings account

I contacted cash app Inc on XXXX  to close out accounts associated with my social security number ending in XXXX XXXX XXXX recognizing that an identifying certificate such as my social security number is associated with accounts I was refused the right to close all accounts associated with the social security number I requested that the counts be closed and all debts settled in good faith and a transfer of funds available to a new account that I designate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with omni financial in 2018, while stationed in XXXX XXXX with the XXXX. I have paid off the loan but I have a second loan that I do not recall getting and it keeps reporting on my score and the balance continuously increases by XXXX every week. 
I tried to call them and got a lady who was extremely rude. Would not give me details over the phone and then hung up on me.
Product: Credit card or prepaid card

Beginning of XX/XX/2019 I applied for HSBC Platinum Mastercard with Rewards credit card which is advertised on their web-page with a 0 % Introductory APR on credit card purchases and balance transfers for the first 12 months from Account opening ( " Introductory Period '' ). With an excellent credit score of XXXX and a household income of $ XXXX I didn't see any issues with getting this card. Only, about a month later when I got the card in mail, it was NOT the HSBC Platinum Mastercard with Rewards but the HSBC Cash Rewards Mastercard with a 19.24 % APR with a {$2000.00} limit (!!!! ). This is a XXXX  INSULT! My smallest credit card limit is {$10000.00}! I was beyond  furious. I called HSBC two times, each time been on hold for 30+ minutes trying to figure out what happened. No resolve. Not only did I get an inquiry on my credit score ( which I'm incredibly protective of, hence the excellent score ) but now I've got a card with a HUGE APR and a TINY limit. Who the XXXX do they think they are?! Stay away from these fraudulence people! What a joke!
Product: Credit reporting or other personal consumer reports

My wallet was stolen in XXXX  and I was advised to begin monitoring my accounts and credit profile. I recently pulled a copy of my credit report and noticed accounts and inquiries that I have not authorized or have any affiliation with. I've contacted the Credit Reporting agencies notifying them of the incident and requesting verification. I have yet to receive a formal response. 

I have the right to privacy and have not given any written consent. Reporting this information to my profile is in violation of 15 USC 1681B. Further furnishing account in direct relation to identity fraud is in violation of 15 USC 1681 c-2 I've also requested that all fraudulent addresses are removed from my account to further prevent the reporting of inaccurate accounts to consumer report. These fraudulent accounts are severely impacting my ability to obtain cred
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking at my Equifax Credit report I notice several fraudulent reports that are reporting. I am not aware of this accounts. I have a police report and supporting documents for identity theft. Please review
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted dispute to Experian and they failed to comply with my request. The personal demographics on my profile are inaccurate. 

My rights have been violated. Per the FCRA my report should 100 % accurate. The only address that should be on my profile under my ssn is : XXXX XXXX XXXX XXXX XXXX, PA XXXX My one and only legal name is XXXX XXXX XXXX The only DOB should be XXXX There should be no other addresses, names or deviatiations. 

Instead of removing the inaccurate addresses, incorrect names and DOB Experian opted to place a fraud freeze on my profile. I did not ask for that. I asked for the incorrect addressed to be removed I attached a screenshot of my lease, copy of PA change of address dated XXXX To assist with your confusion here is the incorrect information on my profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2022, I contact XXXX Customer Care Center via phone call to discuss a problem I was having with my daughter 's XXXX  music account. I was ask a series of questions in order to verify my account, Per The Customer Service Rep. I complied not thinking I was giving my information to someone other than XXXX Care Center. After a few questions I became a bit suspicious of the types of questions I was being ask. At this time I began to shut down our conversation because I became more suspicious, but too late. They had already distracted my information. I immediately contact Wells Fargo Bank only to learn that monies have already been removed from my bank account in the total amount of {$1200.00}. At no time nor was it ever my intentions to charge {$1200.00}. At no time until it was too late that I knew I was talking to a scam person. Wells Fargo denied my claim because as they stated I gave and authorized this charge. NOT TRUE. I was conned out of my information and Never was it my intentions to purchase anything or have any money remove from my account. It was my intentions only to solve the problem with my daughter 's XXXX play account. I never Authorized The Removal Of The Money that Wells Fargo Bank claims I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I noticed a collection showing on my Equifax report. The negative account shows up as : ( ORIGINAL CREDITOR : ) BAL : {$180.00} STATUS DERAGATORY ACCOUNT # XXXX When I tried to dispute this I was not able to send out a letter because other than ( ORIGINAL CREDITOR : ) there is no name to a business that exists, no address attached. There is no way for me to be able to dispute this account which therefore violates the laws under the umbrella of The Fair Debt Collection Practice Act which prohibits debt collectors from engaging in " abusive and deceptive '' behavior when they try to collect a debt. I made Equifax aware of the situation but yet they did not find the grounds to delete this from my account or they simply got careless. Since I have no way of speaking to the creditor I ask that Equifax honor the law
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost wallet which had ID and Social Security Number. My identity was stolen and there a fraudulent accounts on my credit report that needs to be removed. The fraudulent accounts are listed as follows : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian investigated an account removed the account then place the account back on my credit report under a different company name. This account does not belong to me. its on my report under Receivables Performance was place on today XXXX XXXX
Product: Checking or savings account

First, when I opened business account with Well Fargo they forced me to have open credit card even I did not want it. 

Second, i used business checking to do business with XXXX XXXX when i stopped did money transfer in XXXX I already submitted closing business to Well Fargo, In XXXX, a person from Wells Fargo name XXXX XXXX sent me a package to renew money transfer service, I told him that I stopped that business and closed that account related to that business already. My business name : XXXX XXXX XXXX XXXX but he sent me a document which is somebody elses business and somebodys name not me and asked me to sign, I refused and he closed my accounts without any explaination.
Product: Mortgage

We purchased our home in XX/XX/XXXX and have our mortgage with Citizens bank. We have been trying to get our PMI removed since the beginning because we have always had more than 20 % equity in the home, but the original appraisal on the house was incorrect and the appraiser refused to recalculate the value ( he missed an entire full bathroom in our home, which would have added an extra $ XXXX in value ). 

We applied first in XX/XX/XXXX to have our PMI removed and requested a broker appraisal. Citizens denied this initial request because they stated that we must have our mortgage for 2 years before we can request removal of PMI. So we were told to apply for removal again in XXXX, and I was told by customer service that they would accept an updated appraisal of value ( I informed them we would be getting a HELOC with another bank and they would be doing an appraisal ). 

We got a HELOC with a different bank XXXX XXXX Bank ) and they ordered an independent appraisal. I received the final appraisal report on XX/XX/XXXX and it states that our home is valued at {$290000.00}. Our current mortgage balance is {$170000.00}, meaning we have {$120000.00} in equity, or 58.38 % LTV ( 42 % equity ). Only 80 % LTV ( 20 % equity ) is required to remove PMI on our mortgage. 

However, Citizens continues to refuse to remove my PMI even after sending them the appraisal report and formal letter requesting removal which they received XX/XX/XXXX. 

I spoke with Citizens on the phone on XXXX XXXX and they told me they would not accept the independent appraisal ( which was not ordered by me, it was ordered by my other bank ). 

They are requesting me to pay an additional {$250.00} to get a BPO - Broker Price Opinion of Value ( or {$500.00} for another full appraisal ) in order to get my PMI removed. The BPO would not be an actual appraisal, they would not see all the improvements done inside the home and they would not be entering my home at all. They go off public records such as the tax assessor site which has out-of-date and incorrect information that will reduce the home value. Furthermore, there is absolutely no reason they should not accept the appraisal I have already completed and paid {$620.00} for. 

It does not make any sense for me to pay an additional {$250.00} to get an inaccurate value of my home just to remove the {$30.00} PMI payment each month. I would actually be spending MORE money to remove the PMI than if I left it. But they should not be getting this money in the first place! 

This bank is extremely unethical and possibly even be illegal for them to make me to continue to pay PMI each month when I should never have had to pay it in the first place.
Product: Debt collection

I'm not liable for this debt with XXXXXXXX XXXX XXXX, I don't have a contract with Penn credit.
Product: Debt collection

Back in XX/XX/XXXX I was received a phone call from Transworld Systems stating I owed on an old auto insurance policy with the company I still have insurance with. They claimed to have sent me letters to an address I had lived at 5 years prior. The lady wanted me to pay over the phone and I told her I dont give my credit card out over the phone as Ive had my info stolen before doing such. I told her to send me a bill and I would send them a certified check. A month later I received a letter explaining the debt I owed but no way to send them a payment. I tried going on their website to pay the debt but that didnt work either and so I sent them an email asking for a registration code to get on their website. Finally on XX/XX/XXXX about 2 months after sending that email I finally got a letter with the registration code to log on their website. Tried using the code and it didnt work.
Product: Checking or savings account

Citizens Bank closed my account for reason ( s ) I do not know. I believe it is because the bank suspected me of fraudulent activity, after I attempted to send my other bank accounts ( owned by myself ) money via XXXX repeatedly ( unfortunately all attempts failed ) .The only reason why I made repeated attempts was because the money would not go through. I talked to numerous customer service agents and said that all activity was mine and I did not want my account to be closed. Citizens Bank is among the banks closest to me and I really wanted to keep my account ; I was even attempting to do a promotional offer so it was even more upsetting since I almost completed what needed to be done for the offer. I asked customer service and several branch managers to appeal or put in a request to kindly re-open my accounts, as I believe they have been unfairly closed but they said they could not cause they do not know why my account was closed, and also because that is beyond their power. I am also aware that a bank 's involuntary closure of a bank account may affect my ability to maintain my other bank accounts. As such, the gravity of this issue can not be understated to me. I am hoping this can be amicably resolved through a CFPB complaint. I am more than willing to work with Citizens Bank and their XXXX Department to discuss any perceived discrepancies with my activity.
Product: Credit card or prepaid card

Plain vanilla gift cards were purchased as gifts for family members. The cards were lost. I have provided all the information requested via numerous telephone calls and several emails without response from the company XXXX XXXX XXXX. Telephones calls ( XXXX ) are frequently mysteriously dropped and it seems that they have no desire to solve the problem of a lost card and prefer to not send replacement cards. After sending all these documents, I was met with silence. There was not email or call. I called to follow up today and they are still " reviewing ''. I am losing faith that they will ever replace these lost cards totaling {$350.00}
Product: Credit reporting or other personal consumer reports

None of these accounts belong to me. delete it from credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries are not mine. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a XXXX XXXX debit card in the email that I never signed up for with a debit card number, account number, and routing number. When I call the number on the back of the card XXXX, they want me to enter my social security number and other wise there is no way to talk to anyone. When I call the general XXXX bank number on the website XXXX, the automated answer prompts me to email for customer service. When I enter the card number, they say they can not answer questions about the card and to call the number on the back of the card. None of this connects to a live rep, all of this goes in circles and is unhelpful. 

I spent some time and looked up their parent company XXXX XXXX XXXX and eventually found some paperwork online they had filed with a number on it. I called that number XXXX. The representative said she could not help be but could transfer me to customer service for the " card. '' I asked for the number in case it was disconnected. She said that the number does not usually work but she gave it to me anyway. XXXX. 

When the call was transferred to CARD. I gave the representative the account number and card number. Then to verify, she asked for all of my personal information, which made me uncomfortable considering this was a fraudulent account. She then said she closed the account, which was a " premium card account '' but said " there is no process for providing written confirmation. '' This is unacceptable. Not providing written confirmation for a fraudulent account is unacceptable. 

Also, overall, it is almost impossible to connect with someone to close the account.
Product: Debt collection

On XXXX, 2016 The collection Company Alltrans Financail L/P / United Recovery Services Debt Collector XXXX XXXX XXXX started calling, He was instructed to call back after the Holidays. XXXX,2016 at XXXX another call XXXX,2016 at XXXX another call, XXXX,2016 at XXXX another call, XXXX,2016 at XXXX another call, and XXXX, 2016 at approximately XXXX XXXX XXXX XXXX Calls my place of employment and left a message with my supervisor for me to call him back at XXXX ext XXXX, on this date XXXX XXXX XXXX was given several verbal instructions not to call my place of work and to stop calling my phone, because the Company has a open debt they need to pay, I am only the Point of Contact for the Business Credit, So he threaten to place the bad debt on my personal credit report if I did not pay, Shortly after I ended up speaking with a Division Manger XXXX XXXX at XXXX ext XXXX. XXXX XXXX XXXX also stated that he is going me 24 hours to contact him with a decision on how the Debt going to be paid before he place the bad debt on my credit file, and I told him the Business Credit card was under a Federal Tax ID number and not my personal social security number, and IF use my social number without my permission it would be fraud if they place a company Bad debt on my credit file. As of today the company fraudulent misrepresentation it self by using information not provide by me.
Product: Mortgage

We received an offer to buy our house. The buyers submitted preapproval for the amount of the sale. XXXX closing dates were missed. XXXX XXXX of Dawson mortgage during this time kept giving excuses to our realtor as to why the closing was not going to happen. When we were informed the sale would not close on the third closing date, we talked to the buyers and found out they were unable to qualify for the loan. XXXX XXXX did not contact our realtor or us with the information the buyers were unable to get the money. 
Based on the letter from XXXX XXXX and a telephone conversation with him, we disposed of our home business and moved out of our house. 
XXXX XXXX 's incorrect and misleading information cost us approximately {$25000.00} in lost income and rental expeses. 
XXXX XXXX contact information Dawson Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX My husband believe XXXX XXXX is either dishonest or incompetent and has defrauded us.
Product: Checking or savings account

XX/XX/year> froze my account after my ID was verified by your system. Holding my funds illegally by not allowing the transfer or withdrawl. Closing my new card without authorization keeping me from using my funds. Not allowing me to link any bank accounts to transfer my funds.