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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX $ - XX/XX/XXXX XXXX XXXX  XXXX {$510.00} XX/XX/XXXX XXXX XXXX XXXX $ - XX/XX/XXXX XXXX XXXX XXXX $ - XX/XX/XXXX has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a Venezuelan refugee.

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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

XX/XX/XXXX, I submitted an application to refinance my loan with Citizens Bank. This was based on the offer received via post office mail of a fixed rate loan along with a {$1000.00} XXXX gift card upon approval. When I applied for the loan I did not see the promotion on the web site so I contacted Citizens Bank, email and phone, at which point I was assured it would n't be a problem and they could honor this offer because it was still active. This occurred on XX/XX/XXXX. I contacted Citizens Bank again XX/XX/XXXX with a concern about their website and document submission, I reiterated my interest in the gift card and was told it would be handled upon approval. After waiting until XX/XX/XXXX with no contact with Citizens Bank, I was notified I was approved for a loan. This part created the reason for my complaint. 

Firstly, I was told because I did not submit a promotion code when I first applied in XX/XX/XXXX, I was not eligible to get the gift card they assured me I would get upon approval. They told me I needed to apply again for a separate loan altogether to be eligible for that offer. Plus, if I waited 5 days to do the new application they would have to do another hard check on my credit to see if I qualified for that second loan. 

Secondly, when I was navigating their online application, they attempted to steer me into opening a direct deposit checking account. In order to proceed through the application you either had to apply for the checking account or call for technical support to guide you decline their offer. This is what prompted me to contact citizens bank on XX/XX/XXXX. 

My XX/XX/XXXX phone call was a basic run around. I spoke with 2 representatives that told me that I would n't be given the gift card unless I started over. When I balked at the additional account they told me that when I look at my application again I would be allowed to proceed pass their checking account offer without a problem. After my conversation with them I felt uncomfortable doing business with this company and told them to remove my application from consideration. 

I was obviously left dissatisfied with their service. My concern is that they hooked me into applying with an offer they later refused to honor. Plus, when I thought I was as the final steps of taking their loan, they tried to steer me into applying for an account that i did not want and could not decline unless one of their representatives unlocked my online application.
Product: Mortgage

As you are aware I continue to submit information regarding my personal situation as it relates to ID theft etc. I was in the XXXX XXXX XXXX XXXX in regards to XXXX XXXX XXXX XXXX, XXXX Ga XXXX. As I continue to filter through various documents which were left by my ex business partner I uncovered documents from XXXX XXXX XXXX which were placed into my court file. I do believe these items were placed into my file intentionally as my case was very well known and the level of fight to retain the above address from my business was based on determination and persistence. I knew XXXX XXXX XXXX hired XXXX XXXX XXXX firm and XXXX XXXX ( assigned attorney ) was in a very unethical relationship with not only XXXX XXXX XXXX but also the XXXX XXXX and other to ensure the XXXX XXXX was taken from me. It appeared to have been based on Constructive Eviction. 

Although, the CFPB may not be the correct agency to submit this information to, I am submitting it for the purpose of exposing the level of corruption which took place at the time of my court battle and continues to take place. 

Further research reveals the same attorney XXXX XXXX, and same judges XXXX XXXX and XXXX XXXX who were both involved in my case, appear to possible have formed a ring which allows this attorney to purchase properties illegally and in the same manner as XXXX XXXX at XXXX. Although this is a different case the action were very similar. 

Payments were made from XXXX XXXX 's personal account XXXX XXXX, XXXX and XXXX to purchase this property for his self profit or for a company noted as XXXX XXXX XXXX XXXX. Ironically, the Writ to marshal and XXXX XXXX both took place on XXXX???? 

In addition, payments were being made to A XXXX XXXX at Wells Fargo Bank in North Carolina. This individual currently serves a a XXXX XXXX in XXXX XXXX California. Ironically, the ex XXXX XXXX XXXX XXXX resides is XXXX XXXX. There was testimony provided by XXXX XXXX XXXX during the XXXX XXXX XXXX, which was deleted from the transcripts, but verified by the agency 's ALLIANCE FOR CHANGE THROUGH TREATMENT Post Hearing Briefs, XXXX XXXX was holding after hours meeting with other to create a plan to destroy me personally and my agencies. 

Wells Fargo committed EXCESSIVE mortgage fraud against both personal and commercial properties which also connects the above parties given their roles. Wells Fargo 's fraudulent XXXX 's were previously uploaded.
Product: Mortgage

We closed escrow with our escrow instructions clearly stating that the Lender Home American Mortgage Corporation was to hold back {$3200.00} for the painting work that needed to be completed by XX/XX/2024. Not only did they not finish the painting by then, they had not even started. 

They were also required to hold back an additional {$19000.00} for the landscaping. 

We have sent many requests to XXXX XXXX at XXXX XXXX XXXX and XXXX XXXX XXXX Home American Mortgage Corporation and they both have refused to provide proof that they are still holding the funds. 

Neither the landscape work or the Painting has been completed.
Product: Credit card

I had XXXX business and XXXX personal credit card with American Express. On XX/XX/year>, all of my accounts were closed due to returned payments. No warming of possible account closure was given. 

Below are all the transactions that involve returned payments. 

XXXX XXXX Amex XX/XX/XXXX - Payment Returned {$2400.00} XX/XX/XXXX - Payment Successful {$2400.00} **See bank statement to show that account deposit posted the same day XXXX XXXX XXXX Card No returned payments Business Gold Card ( 0 % APR ) XX/XX/XXXX - Payment Returned {$3400.00} XX/XX/XXXX - Merchant credit totaling {$2200.00} XX/XX/XXXX - Payment Successful {$1000.00} XX/XX/XXXX - Payment Successful {$7600.00} **Payments were returned due to mismanagement of merchant credit timing and payment amount Platinum Card XX/XX/XXXX - Payment Returned {$2400.00} XX/XX/XXXX - Payment Successful {$2400.00} XX/XX/XXXX - Payment Returned {$1200.00} XX/XX/XXXX - Payment Successful {$1200.00}
Product: Debt collection

My wife was required medical attention after XXXX  XXXX in XX/XX/XXXX or XX/XX/XXXX. 
XXXX XXXX Hospital, XXXX We had insurance and explained to the hospital several times. Then Progressive Management took over the account. They reported to the credit reporting services a {$1300.00} balance. 

They called many times to harass my wife and she ask for information but it was never received. After much harassment she ask that they not call her cell phone. 

Now somehow after disputes it continues to grind on my families credit score. XX/XX/XXXX I called Progressive and ask if there was any way to fix this problem and enable me to rebuild my credit. This is the only black mark I have except high balances. They said they would only accept the balance in full. I said after 6 years you should not even be harassing my family. They offered no help. 

While billions of dollars were written off after Obama care, and our health insurance has tripled in cost the large medical institutions and their collection agencies harass their customers when the costs were triple what they should be and they offer no sensible discussion or terms. 

Shame on XXXX. Shame on Progressive Management. May the wrath they bring on their customers come down on them. 

I urge the CFPB to help us and make an example of what they should have done in the first place. 

XXXX XXXX & XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX, on XXXX XXXX, the Georgia Department of XXXX XXXX deposited over XXXX to a cash app card I had for the entire month of XX/XX/2021 that ended in XXXX, I am not talking about that card that ends in XXXX that they said I was in violation of. ( they closed that one ) Georgia XXXX XXXX XXXX has did a through investigation for that money and it has not been returned to them so they can re-send it to me, that money was put on a closed cash app card in fact I lost that card and that is how I got the card ending in XXXX which they closed. my cash app account number ended XXXX and routing # XXXX and the last four of the cash card itself was XXXX that the XXXX was deposited on. I have been back and forth with them and getting no -where and it appears that no-one comprehends what I am saying as they all ask the same questions over and over again I have 13 emails with the same questions to them and 13 reply 's identical from them, in fact Cashapp wants to harbor on that card they closed ending in XXXX. The card my money went on ended in XXXX, I called cash app I sent a letter to cash app and I have gotten no-where I am in a pandemic still and I can use my money. PLease assist me with this matter, I have read so many horrible reviews on others experience and how cash has taken thousands from them, I do not want to be another statistic.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX is reporting inaccurate information on my TransUnion credit report. They are reporting a balance of {$5100.00} but the account is actually closed because they sold the account to XXXX and my new balance is {$3700.00}. Ive disputed multiple time but TransUnion is the only credit bureau thats saying the account is verified/accurate but XXXX and XXXX have both deleted removed XXXX from my credit report profile
Product: Credit reporting or other personal consumer reports

I DO NOT consent to, benefit from or authorize XXXX XXXX  Date Inquiry opened on XX/XX/2022 and XXXX  Date Inquiry Opened on XX/XX/XXXX  Address ; XXXX XXXX XXXX XXXX, KS XXXX XXXX number : ( XXXX ) XXXX 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. '' EXPERIAN, XXXX, XXXX, and XXXX 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. '' EXPERIAN, XXXX, XXXX XXXX, and XXXX  are a financial institution by definition under that title. 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 agency XXXX, XXXX XXXX and EXPERIAN do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to EXPERIAN, XXXX, XXXX, and XXXX XXXX whether it be verbal, non-verbal, written, un-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. '' EXPERIAN, XXXX, XXXX, and XXXX XXXX Never informed me of my right to exercise my nondisclosure option. As well as 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. EXPERIAN, XXXX, XXXX, XXXX 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: Debt collection

In a letter dated XX/XX/2017, Monterey Financial Services LLC located at XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA claimed that they have been assigned a debut form XXXX XXXX XXXX for servicing. The debt balance is listed as {$50000.00}. 

We replied with a letter on XX/XX/2017 with specific instructions of providing detailed info re this debt but have never received any response. 

We have never engaged or used XXXXXXXX XXXX XXXX in any way in the past of present and do not believe this debt is ours to pay. 

Since that letter, we have been called on a regular basis by XXXX XXXX XXXX to try and get us to address the debt. Now, this same group is calling relatives in an effort to bully us into paying for a debt that is not ours.
Product: Checking or savings account

In the Spring of XX/XX/XXXX, Wells Fargo notified me they had frozen my XXXX XXXX ' checking account due to " attempted unauthorized access ''. No funds had been removed from my account, and they refused to provide any further evidence of or information about this unauthorized activity. They told me the account would be frozen for six months and then closed permanently, and that I would need to set up a brand new account with them. At the time I relied heavily on automatic bill payments due to the large number of XXXX my XXXX had to pay, and this situation caused a large number of those payments to fail. After spending hours on the phone with Wells Fargo customer service and escalating my issue up the chain of command, I decided to move to a different bank and close my Wells Fargo accounts myself. That's when the issue I'm actually filing a complaint about began. I went through several rounds of closing my account, then finding out later it had been re-opened, with ongoing fees. When I would call in to inquire about the matter, I was told the account was re-opened after closing because " there was continued activity. '' In many cases, this " activity '' was from fees the bank itself was charging to my account, and in others it was due to XXXX I was still in the process of switching over to my new bank ( or that I had forgotten in the process because they were paid infrequently ) attempting to charge my debit card. I tried authorizing the bank to reject any attempted activity on the account and let me deal with the consequences, but was told that was not how it worked. This happened at least three times, each time with promised that the account was really closed this time. I was told if I came into a branch to close the account they MIGHT be able to close it permanently, but I explained ( despite them already knowing this ) that I lived high in the mountains, a long drive away from the nearest branch, and that I was running a highly face-to-face customer-focused business single-handedly and could not afford to make a long trip in the middle of the week with no promise of success. 

To this day ( six years later ) the account remains open, and I have continued to incur bank charges every month. I have since moved to a less remote location in another state, but based on my past experiences with this bank I do not have any confidence that walking into a branch ( especially a branch other than the one where the account was opened ) will result in any satisfaction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern, I am writing to urgently request the Consumer Financial Protection Bureau 's intervention regarding an inaccurate debt collection entry on my credit report. This entry, reported by XXXX XXXX XXXX XXXX and related to XXXX XXXX XXXX XXXX ( account number XXXX ), is incorrect. My installation clearance records confirm no outstanding fees. 

XXXX, XXXX, and Equifax have failed to verify this account before placing it on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). This negligence is severely affecting my livelihood by damaging my credit standing. 

I request immediate action to investigate this matter and ensure that this erroneous entry is removed from my credit report without delay. Enclosed are copies of my installation clearance records and previous correspondence with the involved parties. 

Thank you for your prompt attention to this critical issue. 

Sincerely, XXXX XXXX Enclosures : [ Installation Clearance Documents ]
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following accounts in Pursuant to FCRA 611 ( a ) ( 5 ) ( b ), and the fact these accounts are not mines, and unknown and unauthorized by me, and I'm requesting that the 3 major credit bureaus block these accounts. XX/XX/2019, the 3 major reporting credit bureaus response was " accounts verified ", verified by whom, what time, what date, and what physical documentation. And electronic Verification can not be accepted as proof so with that said either your company block these accounts or send me signed, sealed physical documentation of the accounts you and your companies are reporting. Please remove the following unauthorized accounts. 

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) Dept of ED/XXXX  {$7300.00} 4 ) Dept of ED/XXXX  {$5400.00} 5 ) Dept of ED/XXXX {$3900.00} 6 ) Dept of ED/XXXX {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My Correct Personal information : Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX - Any other name variant of the name above should be deleted. 

- Any other address listed is not correct and needs to be removed. The above address is my residence.
Product: Credit reporting or other personal consumer reports

A XXXX off is consider a certificate of indebtedness which means it is income and must be removed. 

Privacy act of 1974 prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions.
Product: Credit card

I have a Banana Republic credit card managed by Synchrony Bank. The interest rate on balances is 24 % and I 'd like to transfer my balance to a no/low interest account. However, the BR card rep is telling me this not allowed.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Experian credit report, I found multiple fraudulent accounts and unauthorized inquiries that have severely impacted my credit profile. 

The fraudulent accounts appearing in my Experian report include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are fraudulent, and I had no involvement in opening or applying for them.
Product: Debt collection

I co-signed a student loan for my former son-in-law. This company entered a charge off on my credit report despite the fact that I have paid them monthly for 5 years, without missing a payment. It is my understanding in order to put a charge off on a person 's credit report there has to have been 6 months of missed payments. I send each payment by certified mail so I have the signed receipts to show the payments have been received, also my canceled checks.