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

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : U S DEPT OF EDXXXXXXXX  XXXX XXXX : {$630.00} U S DEPT OF EDXXXX XXXX XXXX {$2000.00} U S DEPT OF EDXXXX XXXX Balance {$7300.00} XXXX XXXX XXXX XXXX XXXX {$660.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been struggling financially and am behind on rent several months due to covid / work and can not make my monthly Navient payments because I'm attempting to pay back what I owe for rent. I have court dates set up for the next few weeks because my building is attempting to sue and/or evict me if I don't make my payments. This is extremely stressful and difficult for me as I'm trying my best to pay my rent every month. Navient doesn't care or understand that I can not make my monthly payments with them in fear I will have nowhere to live. They expect me to pay almost the same amount of what I pay in rent every month and it is impossible. They won't help me and although I have tried to recently make payments with them, I can not make any more in the future for my rent is my priority right now. They refuse to turn off my auto pay and expect me to pay them instead of my rent. They are robbing me of my livelihood. I need help.
Product: Mortgage

I have been late but not behind, my concerns are : **New American Funding has not sent me requested information showing the months they claim late fees for, I do believe I overpaid the late fees, wired in through my credit union in the month ofXX/XX/XXXX 2018. 
2. I paid XXXX and the claim I was to pay XXXX and have held without applying showing my account as behind, which I disagree with. my last payment for late fees was paid in excess of what was claimed as due, submitted via wire for just the purpose of not being late. 
3. XXXX has put in place transfer from all customers to be able to transfer monies from one XXXX account to another, yet when I tried to pay my mortgage via the transfer numbers to chase for New American Funding, as mortgage lender, On the third time, after phone call from manager at XXXX XXXX I was denied, though I had done so on prior transactions, In each transaction, all of my information was submitted to assist in the application of funds, verified by XXXX employee on the receiving end.. XXXX called and has refused me opportunity to pay my mortgage that way even though it is a chase holding account, causing me to be late when it could have been avoided. 
4. Manager from XXXX called yelling and screaming, for about 15 minutes, to upset me, then he says I need to record the conversation, I asked why the recording was not going all of the time, no answer, I hung up. As result of that conversation, he blocked my future payments to New American Funding, through the holding bank, XXXX as receiving account. ( New American Funding has established with XXXX. 
5. Late payments were taken from my XXXX mortgage payment, and caused my account to look as though it was late without explanation. 
6. I also feel my account is being targeted on a monthly basis, making things much more difficult than it has to be. 
7. I have complained about the amount of time it takes for New Amer. Funding to apply funds, they in turn keep sending me the address to which I should send payments, it is the same place I have been sending, yet they are late every month applying the funds, sometimes two weeks.

I was having a very difficult time at one point and asked XXXX to allow me some assistance or arrangement to have one payment put at the end, I was denied, as was not offered any other form of  solution, very irritating conversation with employee, during the month of XXXX.
Product: Debt collection

Cavalry Portfolio is illegally reporting an alleged debt on my credit reports. They are a 3rd party debt collector. I did not give written consent to Cavalry Portfolio to furnish anything on my consumer reports nor do they have any written contract between myself and Cavalry Portfolio. Cavalry Portfolio is not licensed to collect in the state of California so they are also illegally doing business in my domicile state. They have been tarnishing my credit with this illegal reporting and negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Inquiries listed below, are what needs to be removed : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) I 've taken my time to reach out to these companies regarding they remove my inquiry because I was never told that they would pull my credit from the XXXX Credit Bureau, and I need it to be removed as soon as possible, so that I can be able to get approved for a loan I need. Also for Capital One, I 've explained to them also that the inquiries are holding me back, and customer service kept giving me the run around, and never wanted to help. All they did was send me to one person, then another person, then another person, while realizing they did n't want to help me get that inquiry off, and seeking the right help to get this resolved, and taken off my XXXX  report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries reporting on my credit file that does not belong to me. Neither was the inquiries authorized by me. Please assist me in removing the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX  CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I purchase a ticket for my daughter to be with her sister on XXXX day. The bank Chase sent a fraud notice to my cell phone. I responded it was my purchase. They responded it was taken care of and no further actions needed. When I arrived at the airport with my daughter at XXXX on XXXX day, the teller told us Chase did not pay for her ticket. I had to speak to several supervisors at XXXX XXXX before anyone could help her. They did get her on a XXXX flight by opening up a seat. But this mistake by chase not paying for her ticket cost me {$210.00}. I call them and spoke to several supervisors in several departments to no avail. This is what I need to do to get any response from Chase. I spent over 2hours on the phone and 4 hours in the airport due to their lack of communication with me. No call no email no text.
Product: Credit reporting or other personal consumer reports

Subject : Complaint against XXXX XXXX XXXX for Failure to Properly Validate Debt and Potential FCRA Violations I, XXXX XXXX, am filing this complaint against XXXX XXXX XXXX XXXX XXXX their handling of my debt validation request and potential violations of consumer protection laws. 

On XX/XX/year>, I sent a debt validation letter to XXXX XXXX XXXX XXXX disputing an alleged debt ( Account Number XXXX ) and requesting detailed validation as required by law. On XX/XX/year>, I received a response from XXXX XXXX XXXX that failed to adequately address my concerns and provide the requested information. 

My complaints are as follows : Failure to Provide Comprehensive Debt Validation : XXXX XXXX XXXX did not provide the detailed information I requested, including a copy of the original signed agreement, documentation showing the chain of ownership of the debt, and a detailed accounting of the alleged debt. 

Inadequate Response to Credit Reporting Discrepancies : In my initial letter, I raised concerns about discrepancies in reporting across credit bureaus. The company 's response did not address this issue, potentially violating the Fair Credit Reporting Act ( FCRA ). 

Misleading Information About Legal Obligations : While XXXX XXXX XXXX claims that the Fair Debt Collection Practices Act ( FDCPA ) does not apply to them as the original creditor, they still have obligations under other consumer protection laws, including the FCRA. Their response may be misleading consumers about their rights and the company 's responsibilities. 

Potential Inaccurate Reporting : The company 's response indicates a {$0.00} outstanding balance as of XX/XX/year>. However, this conflicts with the ongoing dispute and the reporting to credit bureaus that prompted my initial inquiry. 

I request that the CFPB investigate these issues and ensure that XXXX XXXX XXXX complies with all applicable consumer protection laws. I seek a full and proper validation of the alleged debt, correction of any inaccurate information reported to credit bureaus, and any other appropriate remedies for the company 's failure to adequately respond to my validation request. 

Thank you for your attention to this matter.
Product: Vehicle loan or lease

I purchased a used car through XXXX on XX/XX/2022. The original balance was XXXX at 20 % APR for 69 months and my current balance is XXXX. My issue is that Bridgecrest does not issue an itemized statement every month like other credit companies do. All I can see is the remaining principal balance due, the monthly payment and the payments I've made in the past. There is no published, visible math displaying the finance charges applied. I've called in to request this to no avail. I find this lack of disclosure confusing and am wondering if it's legal. I've attached what I can see on their website. There are no statements issued.
Product: Money transfer, virtual currency, or money service

XX/XX/2018, {$180000.00}, Seems the settlement company 's email system is hacked. A fraud person send the wire transfer information, trying to get the settlement fund other account. Below is the fraud bank information : WELLSFARGO BANK, N.A. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX ABA # XXXX XXXX XXXX CREDIT TO : XXXX XXXX XXXX XXXX XXXX XXXX   ACCOUNT # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning. I want us to help me fix a problem with my banking. I got scam and I report that to my bank I deal with, but it seems like chase report me for something I did not commit. I am innocent, and any bank do not want to deal with me because of that. So I need help to fix that please. Thank you, I really need help.
Product: Credit reporting or other personal consumer reports

Re : Request for Removal of Unauthorized Inquiries under Section 605B of the FCRA Dear Transunion, XXXX, and XXXX I am writing to request the removal of several unauthorized inquiries from my credit report, as I believe these inquiries are the result of identity theft. This request is made under the provisions of Section 605B of the Fair Credit Reporting Act ( FCRA ). 
I have recently reviewed my credit report and found inquiries that I did not authorize. I have never initiated business with these entities nor have I given my consent for these credit checks. The unauthorized inquiries are as follows : Transunion Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Enclosed, please find a copy of my FTC identity theft report and proof of my identity ( such as a copy of a government-issued ID ). Under Section 605B of the FCRA, I request that these inquiries be removed from my credit report as soon as possible. 
I also request that you send me a written confirmation of the removal of these inquiries and notify me if any of these inquiries are subsequently re-added to my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely,
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and protect fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and descriptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit card

I was contacted by Daniel 's Jewelers to confirm if I had applied for a credit card, which I hadn't. They wanted my birthdate to prove who I was, but I hung up thinking it was a scam. They then texted me and gave me their contact info to let me know someone was trying to open a credit card with them in my name. 

I then looked at my credit report to see if a card was opened with Daniel 's Jewelers, which I did not see. However, I saw a credit card was opened with JC Penney 's, which I never applied for or opened. I contacted the number for JC Penney 's to file a dispute and close the card. 

That same day, I received a JC Penney credit card in the mail and letters from the credit fraud departments of XXXX XXXX, XXXX, and XXXX. 

I received a fraud alert from a credit bureau today that SYNCB/CRATE & BARREL made a credit card inquiry to check my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ACCOUNT ( S ) /ITEMS DELETION LETTER OF IDENTITY THEFT & FRAUD EQUIFAX ( IDENTITY THEFT & FRAUD ) VIOLATION FCRA Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : THIS IS MY FINAL LETTER CONCERNING THESE 10 ( FRAUD ACCOUNTS ) BECAUSE OF IDENTITY THEFT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.I DEMAND THESE ACCOUNTS BECOME DELETED OFF MY CREDIT REPORT! * Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed these accounts that I wanted way more detail explanation on, and they need to be deleted/removed from my credit report. I'm demanding that these fraudulent accounts be removed the final time permantly never to return or I will be forced to sue in the court of law!.

THESE ACCOUNTS LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV.

FTC REPORT # : THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .They do not belong to me. Delete & BLock immediately!

Collection Account 1 : XXXX XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Collection Account 2 : XXXX XXXX Account Number : XXXX delete it from my credit report. 
Date Opened : XXXX XXXX, XXXX Collection Account 3 : XXXX XXXX XXXX  Account Number : XXXX delete it from my credit report. 
Date Opened : XXXX XXXX, XXXX Collection Account 4 : XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 
Date Opened : XXXX XXXX, XXXX Collection Account 5 : XXXX XXXX XXXX  Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Collection Account 6 : XXXX XXXX Account Number : XXXX delete it from my credit report. 
Date Opened : XXXX XXXX Collection Account 7 : XXXX XXXX Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Collection Account 8 : XXXX XXXX Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Collection Account 9 : XXXX XXXX  Account Number : XXXX delete it from my credit report. 
Date Opened : XXXX XXXX XXXXXXXX Collection Account 10 : XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

I received a letter from FCO dated XXXX/XXXX/15. I called to find information about the debt which was stated as {$400.00}. I was given a statement of detail charging me {$830.00} for carpet replacement when moving out of the apartment. The statement accounts for a {$500.00} deposit and {$81.00} in a final water bill to arrive at the amount they are trying to collect. 

I asked for an invoice for the carpet replacement and was given an invoice for {$380.00}, however was told that XXXX 's client wanted payment based on {$830.00} however they are unwilling or unable to provide a statement explaining the higher charged amount. I offered to pay if they would put in writing the reason, and was told they have produced all the documentation that they need to and will not be providing an explanation for the {$440.00} difference. 

I have been threatened that they will report this to the Credit Reporting Agencies on XX/XX/XXXX if it is not paid before then.
Product: Credit card

Without provocation, I received notice that my credit line was being decreased by nearly 100 %. My available credit was reduced from $ XXXX to XXXX ( the rough amount of my available balance ). 

When I called to question the change, I was provided a nob-descript response referencing my XXXX report. It was my understanding that under the FCRA I was entitled to a copy of this report, but was refused by Citi and have been given no further explanation. 

This is predatory in that it affects my utilization of credit, further subjecting me to increase in APrs, etc and a higher cost of credit without any reason.
Product: Debt collection

Requested proof of debt, including any documents I signed stating I would pay the debt on top of outrageous interest charges. They told me several times they were attorneys over the phone. They have called me for 4 years even through the pandemic. Very rude and aggressive over the phone and have yet to send me anything verifying I actually owe anything.
Product: Credit reporting or other personal consumer reports

This is absolutely frustrating, it's stressing me out for so long. These items you are reporting are already deleted by both XXXX and XXXX because they are INACCURATE, FALSE and UNVERIFIABLE and yet, you continue to put this on my credit, negligently and non-compliant, you have been ignoring my repeated requests to correct and remove these on my credit. This has already negatively affected all aspects of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE Opened XX/XX/2015 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB - CARD SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Mortgage

I have been a homeowner almost 22 years. I have NEVER had an issue with paying my bills or mortgage payments until my loan was sold from XXXX to Mr Cooper. I have never had issues but they said Im behind 3 payments when I am actually ahead 1 month. 
When mortgage was sold I was sent email XX/XX/XXXX This means that Mr. Cooper will start accepting payments on XX/XX/XXXX at Nationstar Mortgage LLC d/b/a Mr. Cooper, Payment Processing, XXXX XXXX XXXX, XXXX, TX XXXX. If you have scheduled any payments for after the Transfer Date through XXXX XXXX XXXX, those payments will be cancelled and you will need to contact Mr. Cooper to reschedule them. If you use online bill pay through you financial institution, you will need to change the payment information to Mr. Cooper. 

I started receiving late notices and reports to my perfect credit! I sent proofs of payment to XXXX  @ mr Cooper.com XX/XX/XXXX. 


I continued to receive late notices, extra charges, threats to my credit. So I called and was assisted by XXXX XXXX who said I was sending to wrong place so checks had to be forwarded and were past the year mark and no longer being forwarded. I sent him notices of my payments that same day while I was on the phone XX/XX/XXXX. 

I then sent copies of my bank statements. 

I then called my bank WITH him to have him hear the money was taken out days I said. Checks were made to me Cooper. 
Money sent XX/XX/XXXX arrived XX/XX/XXXX XXXX payment Money sent XX/XX/XXXX arrived XX/XX/XXXX XXXX payment Money sent XX/XX/XXXX arrived XX/XX/XXXX XXXX payment Per bank corresponding check # s XXXX XXXX XXXX I heard from XXXX XXXX XX/XX/XXXX that XXXX payments found and applied. But 3rd payment still missing. 

I informed him I hope he didnt suggest I pay again, since bank informed him money was taken out of my account, sent to address I was given its out of my hands. 

I have never heard back from Mr XXXX nor anyone else and a payment is still due, no one there has apologized, no one has fixed my credit! I want out of this horrible company! This is their error! Help! 
Im on hold now 48 minutes waiting for Mr XXXX or a manager to give me an update because theyre ignoring my emails! The bank will not cancel and reissue check! Mr Cooper is XXXX me & my credit! 

Now on hold for Mr XXXX or his manager re an official update on this issue, 1 hour!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute XX/XX/22 and requested Experian verify and validate the collection account listed as XXXX XXXX XXXX on my credit report.Experian updated the account increasing the balance {$1.00} then closed the investigation. I then requested the method of verification used so I can get more information on this erroneous account myself, Experian and XXXX Failed to provide documentation. This account also reports a monthly balance in its charged off status.