23daVinci/CFPB_Complaints huggingface dataset:
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 accounts 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 accounts 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. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

My mortgage was recently sold to PennyMac. PennyMac 's website does not interface well ( if at all ) with the Safari web browser resident on my iMac. There are XXXX Mac users and I am not the only customer with this problem. PennyMac acknowledges the issue, but it prevents me from making extra payments or finding out important info regarding amortization, etc. PennyMac has known about the problem since XXXX 2015 and " hopes to do something about it over the next year. '' If a company can not service the loan of a perfectly happy customer with their original lender, then what recourse does the customer have?
Product: Mortgage

Post card solicitation to refinance our 3.5 % FHA mortgage from Freedom Mortgage. Offer is for a " FIXED '' rate 3.875 % that will reduce payment " {$70.00} per month, with " NO POINTS '' " NO LENDER FEES '', although the APR is 4.586 %. YOUR PAYMENT WILL BE HIGHER on back of post card, while on the front " Close in XXXX & Your New LOWER Payment is not Due 'til XXXX ''.
Product: Credit card

I was contacted by Midland Funding LLC. They have filed a lawsuit # XXXX out of the XXXX XXXX # XXXX Judge XXXX XXXX in XXXX Texas, filed XXXX we have ahd this problem with XXXX concerning a different case. You have helped us in the past. We have a letter from the previous bank that reimbursed our account over {$5200.00} in XX/XX/XXXX. We have also have had credir card companies sending mail to XXXX XXXX. We have been married over XXXX years and XXXX does not get any mail for nearly XXXX years with the name of XXXX XXXX. The credit card company who sold the debt to Midland Funding was XXXX credit card. We never had a credit card of that name. I do not have the credit card # nor when it was issued. We only use our debit card when we do not write a check, we have paid bills on line with both our checking account and debit card. This has put us in an extremely difficult situation. We do not have the money to retain an attorney, so my husband is doing all the legal paperwork. Midland 's phone # is XXXX, the address is XXXX XXXX XXXX XXXX California, XXXX. Please help us if you can. My husband requested documents, ie signed application forms from XXXX and Midland Funding concerning where I signed the original application so we can prove that the signature will and does match my own signature. 

Thank You, XXXX XXXX ( maiden name on credit card ) Married name XXXX XXXX
Product: Debt collection

I. Hunt and Henriques sent me a letter dated XXXX/XXXX/XXXX stating 1 ) they had been retained by XXXX, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XXXX/XXXX/XXXX. In that letter, I asked Hunt and Henriques to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by Hunt and Henriques on XXXX/XXXX/XXXX. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XXXX/XXXX/XXXX by Hunt and Henriques regarding this matter. 


ISSUE : This firm stated they were retained by XXXX. That claim is patently false, since the debt was charged off. If Insert Original Lender was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by Hunt and Henriques in the letter are fraudulent and misleading, and intended to intimidate. Further, Hunt and Henriques has extended this fraud into court.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX. Upon reviewing my TransUnion and XXXX credit reports again, I can still see the unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Product: Money transfer, virtual currency, or money service

I transferred funds from my business Venmo account to my personal Venmo account which is connected. I transferred funds to make a payment on my power bill as XXXX  XXXX states it accepts Venmo. I had funds on my account from services that I provided and the funds had been sitting for a week before the attempt to use them. I have had the Venmo account for years and have never had an issue with this company or any of my transactions. I received an email to send in my ID because the account had been suspended as it had violated the policy. I asked which violation had occurred I was not told. I was advised that it was an automatic system suspension and no additional Info could be provided. The email I received stated that it would be up to 7 business days for the back office to review my Id and reinstate my account where I can regain access to my money. When I called the representatives all gave me total different information stated 10-15 business days. I asked where could I locate that info as per the email I received stated a total different timeframe. Company was very unhelpful and still have my money on hold and I dont no why or whats going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : Key Bank issued a credit card in my name and did not send statements, emails or any other correspondence regarding the account. This triggered late payments and destroyed my FICO score. 
Problem : I filed a dispute with the credit card company but it was rejected. 
Company : Key Bank Companies involved : Key Bank, MasterCard What happened : In XX/XX/XXXX, my wife and I purchased a house to fix up and rent  out. To make accounting easier, she handed me a credit card that was recently sent from Key Bank to use for all expenses related to the future rental  property. I used it a little but then one day it was declined. I talked to my wife and she checked all our accounts to make sure everything was up to date. She found everything was current so but she called the XXXX  XXXX XXXX  to verify. She was told that everything was current. That meant the POS  system where we were shopping was declining the credit request. 
A couple weeks later, I tried to use that card again and it was declined.My wife then called Key Bank and asked about out accounts and the Key Bank representative said that all our accounts were current and it should not be a problem. Some time later I had another opportunity to use the card and once again it was declined. My wife called again and she was assured all our accounts were current. 
After another decline, my wife and I go on the phone with the card in-hand to get to the bottom of the problem. After much searching the Key Bank representative found an account in my name that had been opened in XXXX and had not been active. 
It is important to note that I never received a letter or notice in the mail, a statement, an email or any other documentation. We do not have delinquent accounts and do not do business that way. Once we were able to find the account, it was immediately paid off but by that time Key Bank reported it as delinquent and it hit my credit score. I went from the XXXX  range down to the XXXX  FICO score. 
There were charges from XX/XX/XXXX through XX/XX/XXXX with no problem. On XX/XX/XXXX, a late fee was added for {$29.00}. It seems that there were 3 late payment fees added to the account for a total of {$100.00} and interest charges of {$23.00}. The account numbers ends in XXXX and is called Key2More Rewards MasterCard. 
I went to the local branch and I was told that I would have to file a request with the credit card company and that there was nothing they could do to help me. I put in a request to have it removed but that request was rejected. 
I also learned that during the XXXX timeframe, Key Bank was accused of creating accounts without the customers permission but I find it hard to believe that the people I worked with over the years would do that. 
I am asking that this matter be fixed and that the delinquency be removed from my record. 
I have been a customer of Key Bank for a long time and I hope that you are able to help me resolve this issue in a timely manner.
Product: Checking or savings account

Bank of America has my XXXX XXXX XXXX on hold. 
evidence of State of California California XXXX XXXX XXXX XXXX XXXX was wired on Friday.XX/XX/2019 to Bank of America. 

Bank of America will not release my XXXX funds of {$4300.00} to my corrected account # XXXX. 

I am XXXX XXXX and XXXX.
Product: Mortgage

I attempted to purchase a home through XXXX XXXX and applied online through their portal, I was pre approved and gave them the XXXX money of XXXX XXXX dollars ( {$5000.00} ). 

The loan officer denied my loan because he said he could not prove it although I have the downloaded income verification directly off the IRS website. This denial led to the XXXX XXXX dispute over the XXXX money. 

The loan denial came from loandepot.com but the officer was from meritage homes. The exemption account was ran 3 times for the approx. XXXX loan. 

The exemption report was ran 3 times creating 3 separate LEI numbers
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 Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX 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

I previously tried to resolved this fraudulent account with this company I called this company and submit information for my dispute this company had numerous attempts. I will filing a complaint against this company and keeping a record of how this company is responding to my complaint and to show people of how this company treat there customers.THANKS
Product: Credit reporting or other personal consumer reports

**Subject : Urgent : Follow-up on Data Breach Claim and Communication Issues** Dear Equifax Customer Support, XXXX am writing to express my deep concern and frustration regarding the ongoing issues with my data breach claim. Despite numerous attempts to resolve this matter, I have not received any satisfactory response or resolution from your team. 

I have reached out multiple times regarding my claim for the data breach, but each time I am informed that attempts have been made to contact me, all of which have failed. This repeated failure in communication is unacceptable, especially considering the sensitivity and urgency of the matter at hand. 

As you are aware, the breach of my personal information has had a significant impact on my life. I am entitled to {$20000.00} as compensation for the misuse of my information, as previously acknowledged by Equifax. However, due to the persistent communication failures, I have yet to receive the compensation I am owed. 

I kindly request that you escalate this issue to the appropriate department and ensure that I receive a direct response with a clear resolution path. I am providing my contact details below once again to facilitate this process : - **Full Name** : XXXX XXXX XXXX XXXX **Claim Reference Number** : [ Your Claim Reference Number ] - **Email Address** : XXXX - **Phone Number** : XXXX - **Postal Address** : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please confirm receipt of this email and provide me with an update on the status of my claim within the next 5 business days. Failure to address this matter promptly will leave me no choice but to explore alternative actions to secure the compensation I am rightfully owed.

Thank you for your immediate attention to this serious matter. 

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

HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME FRAUDULENTLY : XXXX XXXX OPENED : XXXX AMT.XXXX DEPARTMENT OF EDUCATION/XXXX  OPENED : XX/XX/XXXX AMT.XXXX XXXX XXXX ( XXXX XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX  XXXX XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX  ( XXXX   XXXX XXXX  ) OPENED : XX/XX/XXXX AMT. XXXX XXXX ( XXXX XXXX ) OPENED : XX/XX/XXXX XXXX. XXXX XXXX ( XXXX XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX ( XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX XXXX XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX  OPENED : XX/XX/XXXX AMT. XXXX I WOULD LIKE THE ABOVE REFERENCED FRAUDULENT ACCOUNTS DELETED AND THE FRAUDULENT INQUIRIES. 





Inquiry details Equifax Mtg Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Consumer Loan

In XXXX 2016, a check was sent to Lend Up ( dba Flurish , Inc. ) to pay off my installment loan taken out in XXXX 2016. The check was for approx {$300.00} more than was owed. Since then, I 've waited patiently for the refund of the overpayment. I have emailed their help desk and received canned responses with no concrete info given on the whereabouts of my refund. I 've also called twice and spoke to a manager who said within the next week, I 'd be receiving an email asking to have my address confirmed so they can make a check within the next 60 days. No email was ever received. That was 3 weeks ago.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! THESE ILLEGAL ACCOUNTS ALSO PASS THE STATUE OF REPORTING AND LIMITATION BEING THAT THEY ARE UNAUTHORIZED/ILLEGAL FRAUDULENT ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


XXXX XXXX date opened XX/XX/XXXX {$180.00} XXXX XXXX XXXX date opened XX/XX/XXXX {$140.00} XXXX XXXXXXXX XXXX opened XX/XX/XXXX {$310.00} The XXXX XXXX XXXX date opened XX/XX/XXXX {$670.00} inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Equifax, XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

On XX/XX/2020 I checked my Citi Bank accounts via my Citi App and immediately noticed that all three credit cards were closed without any notice or communication ( verbal or written ) Citi Advantage # XXXX, Citi Simplicity # XXXX, Citi Double Cash # XXXX. I immediately reported this matter to CFPB on XX/XX/2020 ( case # XXXX ) On XX/XX/2020 I called the Citi Executive Team and spoke to XXXX ( XXXX ). She advised she will look into for me and immediately reach out to go over with me her findings. On XX/XX/2020 more or less I received a letter addressed to XXXX XXXX XXXX with my personal information and account information. Later on a letter was emailed to me from XXXX dated XX/XX/2020 stating my accounts were closed because I had misrepresented the details on two billing disputes. However, no one has explained to me why I received a letter addressed to XXXX XXXX XXXX with my personal information noted on the letter. I personally feel Citi Bank has erroneously closed my accounts in error. The response they gave is irrelevant to what I had originally reported and questioned. On the other hand, if these billing disputes were processed and reviewed why didn't anyone reach out to discuss further? Mistakes still exists ... This has been a total nightmare and a tremendous ordeal dealing with confusion and total silence from Citi Bank. I have been a long time customer and at the same time a loyal customer. I need not only a clear and detailed explanation regarding my concerns but my three accounts reinstated. I am seriously concerned with how Citi Bank has handled and communicated these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX around the XXXX week I mailed off letters to the credit bureaus TransUnion, XXXX, and XXXX. I have been for sometime now trying to dispute negative items that I do not honestly recognize as mine and I do not know who they belong to. These companies have yet to validate their findings as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) They have yet to validate anything. Because  they have broken the law I would like to process this in a civil lawsuit against them. 

I have made several attempts to correct this matter.