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

XXXX XXXX XXXX is reporting a collection in my name that isn't mine to both XXXX, Equifax, and XXXX. I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.
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. 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 has violated my rights. 


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 or other personal consumer reports

Several years ago I placed freezes on my credit report following identity theft. Equifax was XXXX of the freezes. Recently I tried to remove that freeze and was denied access to my account repeatedly. I changed the password, as directed, and then tried to log in with the new password to no avail ( see attached ).
Product: Credit reporting or other personal consumer reports

To : XXXX, Experian, XXXX and XXXX XXXX XXXX-Date of inquiry : XX/XX/XXXX : NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I have not initiated any transaction with XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Fl, XXXX Regards, XXXX XXXX ( FCRA ). CC : XXXX XXXX XXXX, XXXX, Experian and XXXX XXXX XXXX. 

I am attaching my ID and proof of address to verify my identity.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a transfer of XXXX  XXXX was made from XXXX XXXX XXXX, XXXX XXXX to Citi Bank ( XXXX ). 

The money was credited to my bank account as per the Payment Order Form. However, subsequent to the money being credited to my account, it was reversed and credited on XXXX ( XXXX ) occasions, resulting in the money not being credited at all. 

Citibank has advised that the money was eventually returned to the originating bank, XXXX XXXX XXXX  in XXXX XXXX. The funds have never been received or credited to the originating bank and Citibank continue refusing to provide any documentation proving their claim that the money was returned. 

I have made numerous telephone calls to Citibank in an effort to solve this mystery and locate the {$46000.00}. 

I attach correspondence with Citibank which will confirm the above. 

In addition, I have now been blacklisted by credit agencies as a result of the incompetence of Citibank. 

My final letter to Citibank is dated XX/XX/XXXX. However, I am not confident that I will receive the information requested based on the non-committal responses I have received thus far. 

Thank you for your intervention and assistance. 

Attachments : - Letter to Citi dated XX/XX/XXXX ( with attachments ) - Letter to Citi dated XX/XX/XXXX ( sent by registered mail ) - Letter from Citi dated XX/XX/XXXX - Letter to Citi dated XX/XX/XXXX - Letter from Citi dated XX/XX/XXXX - Letter to Citi dated XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, in the early afternoon, I went to the XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX  branch of the Bank of America. My wife and I are purchasing a house and in order to sign the contract with the seller, we were to wire 10 % of the purchase price to the sellers ( {$72000.00} ). I met with XXXX XXXX. I gave XXXX the wire information and she gave me a Funds Transfer Request Authorization stating the wire had been sent. Later that evening I received an email from the attorney 's office stating that they never received the wire transfer. I spoke with Bank of America and I was told that they had put an urgent label on my wire. I also reached out to XXXX and was told that the wire would be sent later that night or first thing the next morning ( XX/XX/2021 ). 

Today ( XX/XX/2021 ), I received an email from the attorneys around XXXX XXXX XXXX stating that they still had not received the wires. I immediately called Bank of America customer service. After speaking to numerous people who couldn't provide me an answer or locate my {$72000.00}, I was told that the back office who is in charge of the wire transfer process has no phone number and no way of being reached out to. No one can tell me where my money is, when it will be sent, where it is and who is in charge of the process. XXXX and BofA were well aware that I needed that money sent yesterday to close on our first home. I need to know where my money is as we are in danger of losing this home purchase.
Product: Credit reporting or other personal consumer reports

My consumer reports from XXXX, TransUnion, and XXXX contains information about my income within transactions of mine from the experiences I have with others which is not required to be on a consumer report. How can my private transactions appear so others can view? if these companies say they are reporting 100 % accurate and by law? I have contacted them and bought these inappropriate use of my consumer report to their attention with not avail. 

XXXX Reports containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, Equifax there is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material representation of fact by me relevant to the request to block the identified transactions. The identified Transactions are not information related to any transaction by me as the consumer. Accounts : XXXX XXXXXXXX ( Opened 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 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 XXXXXXXX ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I have also attached a copy of my FTC Report, proof of identity, and proof that i was impacted by the equifax data breach, I look foward to your response, Thank You.
Product: Mortgage

Bank of America Their attorney ( XXXX means XXXX and XXXX ) Their lawyer ( XXXX means XXXX ) XXXX XXXX XXXX name XXXX XXXX XXXX I wrote a letter telling Bank of America they did not give me a loan they gave me a credit swap from my XXXX XXXX XXXX ( in French means bank account. 

They gave me a fee simple title which means XXXX title where bank can steal houses back so they can sell it. 

Daly vs bank of montgomery 1969 also called the credit river decision. A jury decision showed that the bank put nothing up of equitable value for the loan ( credit swap ) .in legal language this is called consideration.The federal reserve bank and other banking institutions organized under their system never gives anything of equitable value in exchange for promissory notes for mortgage contracts they obtain. This is important when this determination is made by the jury it stands out. Daley forced the bank many to admit under examination that the money was created in a ledger book. Basic book keeping entries. Sounds like fraud to me. This was created by the bank entering numbers in a ledger and the credit is based on the borrowers own assets not the banks assets. The bank manager in the Daly case admitted under oath admitted this was the practice of the federal reserve banking system. Sounds like fraud to me. The book called money modern mechanics from federal reserve states banks cant loan money. Hummm. Banks take your signature promises to pay and exchanges them for credits. New deposits creates new revenue for the banking system. The bank is investing the money and putting nothing up of its own. XXXX XXXX stated that no law or statue gave the permission to do so. A lawful consideration must exist and tender to support the note. Everytime you borrow money from a bank car loan, morgage, credit card etc. the note is null and void because the bank put nothing up of value. The bank never had the money to begin with.

This is important because all banks are members of the federal reserve system. There is no excuse for any foreclosure that happened in America since 1968. The lenders institution operate under te federal Reserve fraudulent systems. Daly case proved we had no value given and no valid contract ever existed as a result. 

The case # XXXX all banks use te The same fraudulent system today. The Daly case proved banks can not be saved again. We just proved we never had any physical cash trade hands at all. The bank always does not represents themselves properly. The bank will file our own funds and write a check back to is ( credit swap ). This created a illusion that they gave us a loan of their own assets. Do banks pay taxes on the loan? No this proves the banks was never the owners of the properties. 

By : XXXXXXXX XXXX  : XXXX ; Beneficiary XXXX Bank of America Respond to the consumer finance company Not me I also have affadavid of all debts prepaid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You stated that you investigated these accounts and they were 100 % accurate. I have included my credit report with these account reporting several errors which means it's not 100 % accurate as you stated.According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.According to 15 USC 1681s-2 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. 
( 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.
Product: Debt collection

my student loan debt has been forgive by the federal student aid and the XXXX XXXX XXXX when bankruptcy twice i asked them to remove this from my credit report they are still active
Product: Credit reporting

This is the second time in the past 6 months that TransUnion is not reporting the correct balance of my student loan. TransUnion is claiming that XXXX is not submitting the correct balance and XXXX is claiming that the fault is with TransUnion. Need assistance resolving because this is negatively impacting my credit score for the second time this year. Both institutions are passing the blame and the customer service is is appalling.
Product: Student loan

I took out loans through Sallie Mae between XXXX XXXX and XXXX XXXX totaling around XXXX dollars. I graduated in XXXX XXXX, jobless, and soon started receiving harassing phone calls from Sallie Mae ( Upwards of 3x a day ). Sallie Mae also called many other associates of mine - from my neighbors to my sisters. I tried to reason with Sallie Mae multiple times during the time of my unemployment ( XXXX XXXX - XXXX XXXX ) and was told that all XXXX of my loans could be deferred for 3 months at XXXX dollars a piece, which surpassed the amount for my student loan payments. Being without a job, I could n't pay anything. I now owe XXXX to Sallie Mae ( XXXX more than I originally borrowed ) and my student loans have been transferred to a collection agency ( XXXX XXXX. XXXX took over my loans in XXXX of XXXX and have added XXXX dollars in fees over the course of XXXX months. They even went as far as to tell me they would repossess my mother 's house.
Product: Debt collection

I moved into these apts with my daughter. During XXXX. Well XXXX months into us living there our apt was being XXXX XXXX and I began getting XXXX  by XXXX men that worked for the property comany. My XXXX  garments went missing as well as my daughters. I called the police on several occasions and reported this as well as to the manager. I felt very mistreated and due to my XXXX  XXXX discreminated. I was charged twice to change the locks when it was i that felt unsafe. They never would help us. And finally when i was XXXX  due to past rent and the judge denied the XXXX  because my rental asstance ended up paying them in full I moved out and was then protected under the XXXX act. In fact they technally owe me my deposit back because it was proven I was being XXXX. And I am now protected under that still and living in XXXX  XXXX  and all this started at this apts. I feel the manager and maintance were all in on this and part of a XXXX  organization going on in there.
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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 this files. 
AMEX XXXX If you feel there is a possibility this account 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: Credit reporting, credit repair services, or other personal consumer reports

I was declined by a credit card company due to having very little credit history on my credit report. I pulled my credit report and found that Capital One is reporting inaccurate information including : No payment ( I pay the entire amount every month and have since I received the card in XX/XX/2012 ) ; no usage ( I have used the card every month since XX/XX/2012 ), no balance ( I always have a balance which is paid off each month ) ; {$0.00} credit limit ( my credit limit is {$12000.00} ) ; no monthly payments ( as previously referenced, I pay my balance in full each month ) ; no highest balance ( my high balance is around {$10000.00} ) ; and under comments " Account in dispute-reported by subscriber ''. My account is in good standing. 

I called Capital One and was told they will not do anything about it unless I send a letter in the mail with my name, my address, my account number, my social security number and my birth date!! They will not accept fax or email or phone for this information even though they are reporting incorrect information and they admit that. They said unless I send this letter with the information they will not do anything to correct the reporting.
Product: Credit reporting

Incorrect information on credit report far as my Name they have XXXX, XXXX, XXXX. My name is XXXX also they have my address wrong on the report they have XXXX de XXXX, XXXX de XXXX, XXXX del XXXX, XXXX De 1XXXX,XXXX del XXXX,XXXX pa XXXX,XXXX pa XXXX,XXXX de XXXX,XXXX pa XXXX,XXXX pa XXXX, XXXX pa XXXX,XXXX del XXXX,XXXX de XXXX, XXXX de XXXX,XXXX pa XXXX, and my addresss is XXXX De XX/XX/XXXX.
Product: Checking or savings account

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It XXXX Concern, Subject : Formal Complaint Against Wells Fargo Mishandling of Deceased Account I am writing to formally file a complaint against Wells Fargo regarding the mishandling of my late partner XXXX XXXX XXXX 's bank account and the violation of my rights as the legal executor and trustee of his estate. 

Background : On XX/XX/XXXX, my partner XXXX XXXX XXXX passed away. Prior to his passing, we visited the Wells Fargo branch in XXXX, Washington, to add me to his account. Despite completing all necessary steps, including paying off an outstanding balance, I was denied access to the account after his death. Instead, significant funds were withdrawn without my authorization. 

I submitted a certified death certificate and trust documents naming me as the legal executor and trustee, which were acknowledged by the bank. However, I faced repeated denials of access to the account, while access was granted to XXXX XXXX  based on false claims regarding the existence of a will or trust. 

Violations : XXXX. Breach of Fiduciary Duty : Wells Fargo has failed to acknowledge my legal authority as the executor and trustee, leading to unauthorized access and distribution of estate funds. 
XXXX. Due Process Violations : My rights to access the estate have been denied without justification, violating my due process rights under the XXXX Amendment. 
XXXX. Consumer Protection Violations : I believe Wells Fargo 's actions constitute misleading and unfair practices that violate Washington XXXX consumer protection laws. 

Request for XXXX : I request the following actions be taken : XXXX. A full investigation into Wells Fargo 's handling of XXXX 's account. 
XXXX. A detailed transaction history from XX/XX/XXXX, to the present. 
XXXX. XXXX restitution of all funds in the account at the time of XXXX 's passing and subsequent deposits. 
XXXX. Written clarification of Wells Fargo 's policies regarding trust and estate documentation. 
XXXX. Accountability for the actions of the bank personnel involved in this situation. 

If this matter is not resolved promptly, I will pursue all available legal remedies, including complaints with regulatory agencies and potential litigation. 

Thank you for your attention to this serious matter. I expect a response within XXXX business days from the date this complaint is received. 

Sincerely, XXXX XXXX XXXX Executor and Trustee of the Estate of XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been request couple of times to remove unverified accounts from closed my account of my credit report with XXXX. Please consider these matters and the account information that needs to be deleted immediately upon your investigation as soon as possible. 
The List of Urgent Disputing Item is as follow ( in the order of listed on my credit file with XXXX, XXXX XXXX, XXXX  ) Please remove the following item as soon as possible entirely. 
JPMCB CARD -Account # XXXX Opened XX/XX/2018 With Credit Limit of {$40000.00} - This is not my closed account on my credit file.Please remove this information from my credit report that you maintain under my social security number and according to section 605B of the Fair Credit Report act, send the required notifications to all parties involved for this matter
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I think we are required to delete any inaccurate accounts from my credit report. Could you verify the documents? Some of the accounts shown have incorrect reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

I filed complaints about false information appearing on my credit report with XXXX, Equifax, and XXXX. I informed them of the infractions they were committing on my consumer report and provided a list of the accounts. They haven't responded in more than 60 days. Copies of every letter sent are attached below. 

This business failed to mark this disputed account as disputed, in violation of FCRA 623 ( a ) b ).

605 ( c ) running if the last activity date on this account is reporting, and if the period has also been breached. when the most recent payment date ought to be displayed. 

According to the FTC 's assessment, this company has persistently neglected to verify this collection account, thereby breaching FDCPA 809b.