23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. 
Get rid of this bankruptcy status as soon as possible and notify me when its done so that I can go ahead and apply for the things I have to apply 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

My XXXX XXXX  Bill showed a balance of {$310.00}, it was paid XX/XX/2021, it is still showing a balance of {$310.00}, this is XX/XX/XXXX credit usage is still at XXXX percent, because my credit limit is {$900.00},, when I spent the {$310.00} it was reported in less then 7 days, but after I paid it almost 2 months,, and have not showed as paid,, this is an unfair treatment,,, it should have reported the same amount of time it had reported when I spent {$310.00} I should have had a balance decrease,, this is unfair practice I believe its not fair,, my scores XXXX XXXX, hindering me from reaching XXXX,,,
Product: Debt collection

This debt was placed on my credit out of nowhere one day. I submitted a complaint about it being connected with identity theft, they told me it would not be acknowledged until I sent the proper paperwork. I sent them a copy of the old police report request as well as a new request which shows the apartment this electric account is connected to resulted from identity theft. They still have not removed this account even after receipt of necessary paperwork from the detective that worked my case. By law if identity theft is involved and recorded they have to remove it after receipt of proper paperwork.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance Owed : {$3500.00} XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$160.00} XXXX  XXXX Balance Owed : {$22000.00}.
Product: Mortgage

I paid Wells Fargo payments to go directly towards principal and they are not applying the funds properly. 
I also paid my mortgage off and they put the moneys towards future interest. 
They are stick my money in escrow and putting towards future interest when I requested to pay my mortgage off in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request for an account to be investigated in regards to an unauthorized for inquiry. I spent several days speaking to XXXX. They stated the inquiry was not initiated by them even though it is identified on my credit report by all three bureaus. I have contacted them via mail on four separate occasions XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I spoke to them and three occasions. I also informed them it was there responsibility to investigate the unauthorized inquiry as when I spoke to each of the three credit bureaus they referred me to XXXX. On XX/XX/XXXX they sent me a letter stating they were not responsible for said inquiry and therefor referred me back to the credit bureaus. This same vendor has been successfully sued on several occasions in where this same tactic has been found to be illegal.
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. Iresearched how to remove the fraudulent items in my report and found that I need to visitFEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section605b Credit Reporting Agencies are required to remove/block any items listed on an idtheft report. Please find the ATTACHED documents to assist in blocking the erroneousinformation which is being posted to my report. Here is the list of items that do not belongto me or were opened without my permission. XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  Inquired on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian keeps adding a fraud alert and my banks can not get in I told Experian to quit doing it
Product: Debt collection

I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Accounts that were opened without my knowledge or permission by a person close to me, whose identity I prefer not to disclose, have negatively impacted my credit score. The Federal Trade Commission ( FTC ) has assigned the following report numbers to this identity theft case : XXXX, XXXX, and XXXX. The unauthorized accounts listed below have caused me significant financial distress and I demand your immediate action in investigating and rectifying this matter : 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  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX. Please delete these accounts ASAP.
Product: Student loan

Obtained my degree, and have had difficulty finding a job since. Companies do not want to hire someone out of college with a degree. They seem to want to hire those with more experience. As a result, I have had difficulty paying my loans when I only make XXXX a year.
Product: Debt collection

On XX/XX/XXXX, Stenger & Stenger P.C. sent me a XXXX XXXX ( they wrote it on XX/XX/XXXX ) to collect an alleged debt on behalf of XXXXXXXX XXXX XXXXXXXX I responded with a request for them to validate the alleged debt. I sent this letter to Stenger & Stenger P.C. on XX/XX/XXXX via XXXX XXXX XXXX Mail ( XXXX. No. : XXXX ), Return Receipt Requested ( XXXX XXXX. : XXXX ). The Return Receipt shows that XXXX XXXX signed and accepted the letter I sent on XX/XX/XXXX. Instead of validating the debt, Stenger & Stenger P.C. filed a lawsuit against me on behalf of XXXX in the XXXX XXXXXXXX XXXX  XXXX XXXX Court, Case No. : XXXX  XXXX on XX/XX/XXXX. The suit alleges that I owe a debt to XXXX, and also claims Unjust XXXX. 

In XXXX, the XXXX Supreme Court already ruled decades ago that claims for Unjust XXXX are unavailable when an express contract covers the same subject matter. see, XXXX v. XXXX, XXXX XXXX XXXX ( XXXX ). The XXXX Supreme Court also already established that " Credit Card agreements are contract thereby whereby the issuance and use of a credit card creates a legally binding agreement. '' see, XXXX v. XXXX XXXX XXXX XXXX et al, XXXX XXXX XXXX, XXXX ( XXXX ). In XXXX, the XXXX XXXX Cir. XXXX XXXX XXXX held that " ... bringing a claim against a party under circumstances where the state supreme court has explicitly held the party can not be held liable is a violation of the FDCPA. '' see, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

XXXX XXXX XXXX XXXX  is a law firm whose main business is the collection of debts and are based out of XXXX ( within the XXXX Cir. ), and they have an office located in XXXX They have constructive and actual knowledge of XXXX and XXXX Cir. Jurisprudence and have engaged in this conduct anyway. I submitted a Motion to Dismiss to the XXXX and Stenger & Stenger XXXX, and I also recently sent Stenger & Stenger P.C. an Agreed XXXX Decision for them to sign and send back to me through email.
Product: Student loan

My credit report is showing my student loan as if it is a new inquiry on my credit. This lowered my credit score by about XXXX points. I need this fixed. It appears to be because of the name being listed as the full name rather than Mohela.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to NC Commissioner of Banks, Spotloan is not licensed in North Carolina to provide loans therefore debt is not owed and illegal loan was sold to debt collector of XXXX XXXX XXXX XXXX and needs to be removed from all 3 credit reports in order to remove negative impact resulting in blocking of affordable living and purchase of home. Documents provided by XXXX XXXX XXXX does not include contract or signatures also stating draft.
Product: Checking or savings account

I closed my business account with a branch of citizens bank located XXXX XXXX XXXX XXXX PA XXXX on XX/XX/2023. I was instructed on the XXXX to wait until someone contacted me because all pending transactions had to be completed before they could give me the sum of my account. These instructions came from XXXX XXXX XXXX, I received that call from XXXX a banker that I could come and get the check but I had to pay a XXXX fee and again that was the XXXX. Little did I know that they had not informed me that XXXX XXXX XXXX cashed a check for XXXX on XX/XX/XXXX but my account was XXXX balance. A day later I received a call from a Citizens collections representative who stated that my account was overdrawn by XXXX because they sent the check to XXXX. They claimed that they could open my account and send this check because it was on bill pay. I closed the online banking bill pay and the opened my account again claiming they could open my account and send checks even with
Product: Credit reporting

I sent a letter of dispute to Experian on XXXX XXXX, 2015 and they sent me a response saying they received a suspicious request in the mail and it was not sent by me. It goes on to say they will no longer initiate any disputes based on the suspicious correspondence. I was the one that wrote and mailed the letter so there is no suspicious request. Experian is trying to get away with no longer having to respond to any dispute requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN OK A DEBT BY USING A THIRD PARTY THAT I NEVER GIVE CONSENT FOR AND I WAS DENINED THE RIGHT TO ASK FOR ORIGINAL DOCUMENTS ONLY WAS NEVER GRANTED THAT AND THAT IS CLEAR AS Day in the F.C.R.A AND SUBMITTED DOCUMENTS SHOWING THAT WAS A RENTAL AND I CAN RETURN IT IF IT IS DEFECTED AND THEY WOULD NOT PICK IT UP I AM A VETERAN WITH A SERVICE CONECTION INJURY THERE ARE TWO ACCOUNTS THAT THEY WOULD NOT TAKE OFF EVEN AFTER I SHOW THE PAPER WORK THAT THEY WERE PART OF my id theif and most of thew inquiers i contactd three out of 61 and they had no ideal of the inquir so that tells you that somone is adding iinquirerys to my report over and over and experian is pulling up closed accounts and listing them as missed payments and some were in bankrupcy years ago i would just like to know how many more times do they get to do what ever they want over and over i have proved with more then my fair share of a very costly ID theif this has been going on and on and on for almost three years eather sweep my credit file with all three bureaus or help me get another ssn i have had death theats over this it needs to stop there hurting me more then the id theif by not compliying to the F.C.R.A this is not right for a veteran to be treated like this i almost payed with my life for this country and now i have to fight harder in this country to try to get back what i had no control of losing in the first place
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I tried to transferred {$490.00} ( total charge to my credit card with fees was {$500.00} USD ). 
However, the money never arrived, or could not be received in XXXX as promised. 
Even though, I inquired or called several times the issue was never resolved. 
Then, I tried to cancel using the same online system ( or App ) without avail, and instead I was instructed to call to process the cancellation. 
On XX/XX/XXXX, after I called again I was told that the transaction was cancelled and that I would received my money back. 
But, as of today ( XX/XX/XXXX ) I have not received the funds back. 
Basically, I been given the the run around, and been hand up over the telephone several times, and have felt completely helpless and without recourse. 

MoneyGram Reference Number / Tracking : XXXX Please, help because this has happened several times already, and it is not fair how MoneyGram collects the funds and then takes no action to even let you know that something is wrong ( instead you have to call them! ), and makes no effort to correct the situation ( and, even lies, hands up on you after waiting for ever on hold! ).
Product: Credit card

I have an account with Penfed and they recently cancelled my credit cards without reason and without warning. The excuse customer service gave me is that they " could n't verify my income ''. I have submitted my XXXX and paystubs TWICE and they did n't say anything was wrong with them. For them to close my accounts AFTER giving me the cards is beyond unprofessional. If I was n't credit worthy to them, they should not have given me the cards in the first place. Even worse, they closed them just before the statement is sent to the credit bureaus so now it shows me as having a credit limit of {$0.00} with a balance of $ XXXX+ which has SIGNIFICANTLY lowered my credit score. This whole situation is beyond unfair.
Product: Student loan

My student loan servicer is XXXX XXXX XXXX XXXX. After one of my loans was reduced because of the XXXX college lawsuit I was able to pay it off. I logged in today XX/XX/18 to XXXX XXXX XXXX website where all my loan information is, to see the balance and also make a payment on my second loan belonging to XXXX XXXX XXXX XXXX. I could no longer see any account information about the loan, no loan balance at all. I called XXXX XXXX XXXX   automated system to hear my loan details, the system couldnt tell me my balance either. Its as if my loan just disappeared. I called XXXX XXXX XXXX to ask why I couldnt obtain any information about my loan from XXXX XXXX XXXX XXXX, they told me that the loan holder blocked all online access to the loan information, however they told me that that could still take my payment over the phone. I dont see how its right that a company can take payment for a loan that I have but I cant see the balance of.
Product: Credit reporting or other personal consumer reports

XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX  ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Equifax, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX  for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my 1099-C? XXXX is clearly writing off debt with the IRS without sending out XXXX as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, Equifax, and XXXX are not an affiliate of XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Credit reporting

I do n't know what this company is and why I owe as much as they reported.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX 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 and update them immediately in my report : USDOEXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 EXPERIAN XXXX XXXX XXXX EXPERIAN 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: Credit card or prepaid card

Between XXXX XXXX  XXXX and XXXX XX/XX/XXXX, I received sign-up bonuses from CitiBank for various promotions related to the AAdvantage Platinum Select card product. The details of these bonuses are shown on attachment ( 01 ), with additional attachments ( 02-13 ) showing statements with CitiBank and XXXX XXXX awarding each of the bonuses as a result of completing the terms of the promotion. 

On XXXX XX/XX/XXXX, CitiBank 's co-branded partner XXXX XXXX terminated my AAdvantage account XXXX, confiscated XXXX AAdvantage miles ( including the miles awarded per the above schedule ), and cancelled three existing flight itineraries ( see attachment 16 ). The reason given in a follow-up email on XXXX XX/XX/XXXX indicated that the sign-up bonuses were obtained fraudulently : " The investigation determined your involvement in multiple violations of the General AAdvantage Program Conditions. These actions specifically involve abuse of the AAdvantage Program through gaming behavior, used to circumvent the Citibank/AAdvantage card enrollment bonus eligibility restrictions. These restrictions are outlined in the promotional bonus terms, and at the top of each application page. '' It is false that restrictions of this kind existed during the time that I applied for the cards which awarded these bonuses. See attached document ( 14 ) for an example of the application page presented, which clearly show that no such restrictions were included. 

For each card I applied for, Citi vetted and approved my application. By doing so, Citi confirmed that the applications, if approved, met all banking requirements and all requirements of Citi and XXXX XXXX. In each case where a sign-up bonus was received, Citi agreed that cardholder had met the spend requirements stated in the offer terms to receive the bonus, and Citi and XXXX XXXX issued the bonus AAdvantage miles in accordance with the terms of the offer. 

It is deceptive and unfair for CitiBank to present and advertise awards which are then rescinded by their co-branded partner, making them unusable and their advertised value worthless.
Product: Mortgage

Our mortgage was paid in full, but after repeated requests, PrimeLending/XXXX  refuses to return our escrow funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is reporting as a charge off.And I would like to have it removed from all three credit bureaus. Its been XXXX  years from the first date of delinquency. Per XXXX XXXX account should been removed off the credit it XX/XX/XXXX. Ive disputed this account through XXXX, Equifax and XXXX however it still remains on my credit report. Ive worked with XXXX XXXX XXXX in XXXX and have been working with XXXX XXXX to have this delinquency removed from my credit report. Escalations letters have been sent to XXXX finance company as well as the XXXX credit bureaus and have not heard anything. Please help me removing this account from my credit report