23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX, I was using automatic payments through the Bilt credit card and app to pay my rent. In XXXX of XXXX  my automatic payment turned off ( still unclear how this happened ) and I missed XXXX 's rent of {$1900.00}. Because of this dispute and on the advice of a Bilt customer service agent, I have still not yet paid rent for XX/XX/year> as I was instructed to resolve the XXXX invoice before address my XX/XX/year> rent. 

On XX/XX/XXXX I paid Bilt {$1900.00} for XXXX 's rent directly through the app and not through automatic payment. However, Bilt continues to dispute that I paid my XX/XX/year> rent and sent my account to collections. I have sent Bilt proof of the XX/XX/XXXX payment in multiple ways, emailing and mailing them my XXXX XXXX XXXX  statement and a letter directly from XXXX XXXX saying that the payment of {$1900.00} made XX/XX/XXXX of XXXX  was paid electronically from XXXX XXXX directly to Bilt. I have also provided a transaction ID number that was given to me by a Personal Banker at XXXX XXXX. Nonetheless, Bilt has continued to ask me to pay XXXX rent. 

For over a year and a half, I have tried to get Bilt to reverse what they said I owed for XX/XX/year> 's rent so that I could just take care of XXXX 's rent. I was told by a XXXX customer service representative to get XXXX 's rent reversed before paying XX/XX/year> rent. At this point, the XXXX issue has still not been resolved and therefore I have still not paid XX/XX/year> rent. After multiple phone calls and emails, it is clear that Bilt does NOT have sufficient customer support infrastructure to resolve this issue. Despite my repeatedly providing documentation regarding the XX/XX/year> payment, Bilt has refused to acknowledge the payment and sent my account to collections. This action is unfairly and unjustly affecting my otherwise excellent credit record.
Product: Credit card

On XX/XX/year> received a promotional email from for a Citi AAdvantage card " 0 % intro APR for 14 months on balance transfers and purchases. '' " Balance transfers must be completed within 4 months of account opening. '' Filled out an Application for a Citi AAdvantage card and it was obtained on XXXX XXXX XXXX 
Citi AAdvantage balance transfer posted on XXXX XXXXXXXX XXXX 
1st Statement dated XX/XX/year> interest at 29.99 % Filed four written disputes with Citi over 3 months. 
I provided Citi with a copy of the Citi AAdvantage promotional offer. 
On XX/XX/year> received letter " We received your request to have a new account offer applied to your existing account. the offer is only available when opening a new accoun and can not be transferred to existing account. '' I called Citi and explain I was not trying to have an offer applied to an existing account I was demanding they honor the promotional offer they sent to me of 0 % interest for 14 months. Citi responded that I must not have applied correctly and there was nothing they could do.
Product: Credit reporting or other personal consumer reports

XXXX had been stonewalling me for documentation that they are required to provide to keep deleterious credit information on my report. They only substantiate the case with their own claims and now refuse to further reply ( attached ) as they " consider the matter closed. 

I did not make these charges. I did not live at the address where the bills ro notices were sent. They have been informed of this and refuse to provide me with the debt purchase agreement from XXXX. 

I have submitted the FTC Identity Theft complaint and the case number for the XXXX, Missouri Police Department.
Product: Bank account or service

On XXXX/XXXX/2015 I made a deposit of {$100.00} into BB & T bank. Which at that time brought my account to a total of {$95.00}. Also on that same date there was a charge of {$28.00} and {$36.00} ( Over Draft Fee ). The reason for the fee according to BB & T is that they had to separate {$100.00} from my account to pay for a ATM with draw that did not happen till XXXX/XXXX/2015. By doing this they Over Drafted my account. And because of this, it caused a Dominions affect on my account where I have charged a total of {$320.00} in NFS fees.
Product: Debt collection

I was made aware of a debt from a company called XXXX XXXX by Transworld Systems Inc, a debt collector in the amount of {$290.00}. 
I have no responsibility for this debt. I have never had nor did ever authorize anyone to open an account in my name.
Product: Mortgage

I am dealing with Fay Servicing. My account manager is XXXX XXXX. 
To go over that facts as were stated to me by XXXX via phone on XXXX XXXX, 2015. XXXX called me to tell me " I have good news for you before the Holiday weekend, you have been approved for a loan modification. '' " It looks like a principal reduction of almost {$100000.00}, a rate of 6 %, the length to remain the same as the original Note. You will need to sign some documents and make XXXX payments in the amount of {$2100.00} '' I would expect XXXX to tell the truth as I am sure he is directed from Fay Servicing. Well, this does n't appear to be true based on the Forbearance Agreement I received. In the Agreement none of the Terms XXXX presented to me on the phone were included. Furthermore, it appears that XXXX along with Fay Servicing are using deceptive practices, which to me appears like consumer fraud. 
This is no joke. I am at risk of losing my home, I would expect any company would act honestly and NOT use deceptive practices. It appears XXXX XXXX and Fay Servicing are doing just that. To tell someone on the phone all those facts, along with terms of the Loan Modification and send a Forbearance Agreement such as the one attached is certainly Consumer Fraud. 
Please help me. All I want is to be treated fair and for them to honor the terms they gave me over the phone. I would pay them the XXXX month trial period upfront if they would just honor their words.
Product: Credit reporting or other personal consumer reports

I appreciate the time you have taken to REMOVE some of the fraudulent items in my file resulting from an alleged identity theft. However, there are still ITEMS that remain and need to be removed. This marks my 3rd submission of a complaint, notifying you that I am a victim of identity theft, and I am disputing these remaining items in my file resulting from the crime. The items in dispute are unrelated to any transactions involving the acquisition of goods, services, or money that I have made or authorized. Kindly remove the reporting of these remaining items in my credit file resulting from an alleged identity theft. For your reference, I am attaching my new FTC report with # XXXX : -- -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX ( Original creditor XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$620.00}. According to FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

XXXX incorrect addresses XXXX XXXX XXXX XXXX nj XXXX XXXX XXXX XXXX XXXX nj
Product: Mortgage

I have been trying to have a PMI payment cancelled with XXXX, after my mortgage was resold to them at the beginning of the year. Currently, PMI is still being taken out of escrow despite my mortgage now at 76 % XXXX. When at 80 %, they required a {$500.00} appraisal on the property when we had refinanced 6 months earlier. This itself is ridiculous as a quick mls search in area within the last XXXX mos is sufficient to see the value of home had not declined. A full reappraisal in such a short time period is absurd, and an abuse of fair reading of the law. 

As the appraisal cost was more than continuing PMI payments until reaching 78 %, I waited. We received a letter in XXXX saying PMI would be cancelled automatically, as required by law, at 78 %. When I realized PMI was still being charged after hitting 78 % i called XXXX, only to have a representative try and tell me I had to hit 78 % of the balance of the loan when refinanced, not the value of the loan, a ridiculous lie. 

XXXX minutes of phone arguing eventually had them tell me I must submit a written request to remove PMI XXXX despite this in explicit violation of the law ). I did. XXXX months later, I am still trying to get the PMI payments halted.
Product: Debt collection

I requested 10 times 1. Signed letter from the original creditor stating that they gave them permission to collect on alleged debt 2. I requested a copy of the letter with the information of the charge off/write off that the original debt holder filed, so, that I can provide this to the ITS and Oolice 3 . I requested a Signed contract with my signature on it. They refuse to send proof I signed a contract etc They repeatedly harass via mail and calls I have sent them a do not contact letter, and only gave permission to, send only requested information only the one time 4. I explained I filed bankruptcy it was discharged, I was aXX/XX/XXXX And I have told them its not my debt Send me the same ole stud ] ff over and over agin, a statement, thats all. That proves nothing They have sent to all XXXX credit bureaus, false information such as I entered into a contract with them. I they send in missed payment information and I have never even entered into anything with them. They have superseded in violating my rights to, the fullest All I have said same letter mailed 10, times certified is I dont own the debt. Its not mines, Im a XX/XX/XXXX, all my debt was discharged in bankruptcy. that I want a copy of the signed contract for the ( 3 ) debts which are separate companies so that I can send the signed contracts to police detitve for investigation, I ask for my signature. Banking, emails, social etc all hacked twice this year, twice last year and also fromXX/XX/XXXX to current I am apart of a lawsuit undisclosed to them for fraud. 

They repeatedly send the same stuff I requested they remove all negative information from all w reports until, proven otherwise and this is resolved I dont want no contact or emails, call or mail here then what I ask for specific and not what they send thats errelevant they have not did anything
Product: Debt collection

First Collection Services of XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX sent 2 or more notices in the mail during the year XXXX. It was addressed to me the consumer : XXXX XXXX XXXX. I did not see them until XXXX  XXXX. They provided the following FCS Account # on the form : XXXX. One bill was dated XX/XX/XXXX. Another had the date of XX/XX/XXXX. Both claimed I owed {$150.00} and that the creditor was XXXX  XXXX XXXX XXXX. 

First Collection Services has not provided evidence that they have authority to collect on this debt. They have repeatedly tried to coerce me out of {$150.00} when I never had an agreement with them. I also never gave them permission to communicate with me. What crimes! 

I've sent 3 letters in an attempt to understand what's going on. My letters were sent via certified mail and have the following dates on them : XX/XX/XXXX, Tuesday, XX/XX/XXXX, and XX/XX/XXXX. In their response to the letter dated XX/XX/XXXX, XXXX XXXX ( agent for First Collection Services ) threatened me and used profane language by saying they would ignore any future communications. It oppressed me for over a year. That's why I'm just responding via this CFPB complaint regarding the last letter they sent in XX/XX/XXXX.
Product: Credit card

I was on a Citi Card as an authorized user ( cardholder not financially responsible in any way ) and the account went bad and they are reporting the bad account on my credit illegally. I am not a guarantor. See attached credit report page.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Unable to get annual free credit report from Experian. They took all my personal information name, address, SSN, phone, e-mail and replied by stating they are restricting access to my credit report to prevent identity theft. Credit report links to a visual broken maintenance icon but no other page links. Phone number links to an automated message service that redirects you to re-register through the internet page that doesn't work to begin with. They are collecting people 's identities and personal information with the promise of giving you your annual credit report but then are not issuing the report and purposely not allowing you to contact them directly. Why isn't this being looked into? Please help consumers.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a {$1500.00} loan in XXXX of 2021. I've been paying on the loan since and still owe {$1000.00}. I got sick and missed a payment so I contacted a manager named XXXX and asked about a settlement to payoff the loan. Hey advised he was going to contact corporate office and see if they could negotiate the settlement and maybe cut some of the interest and fees. 
I prepared a settlement letter and sent a certified letter with a certified check in the agreed upon amount of {$600.00} dollars. 
I continued to receive multiple collection calls daily and a new person claiming to be the manager stated they were not going to honor the arrangements and my car would be confiscated. They are holding the cashier 's check, but never cashed it and have not returned it to me stating I need to pay the remaining amount and are still showing my account past due and subject to take possession of my vehicle. 
I was also a victim of the data breach and they refuse to give me any information regarding submitting a claim.
Product: Vehicle loan or lease

I noticed a balance from XXXX on my credit report for {$5700.00}. I sent them several letters over the last year asking for an explanation of this debt. They never sent me any explanation, only a letter telling me that the letters that I sent requesting the debt validation, were " frivolous ''. I am completely clueless as to why I would owe them anything.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 1. XXXX XXXX XXXX  Account number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account number : XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports.

Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a c
lear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/ charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my ninth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Roughly two weeks ago I attempted to settle the debt between me and midland funding. They would not send me a written agreement or agree to remove the debt from my credit report after payment was recieved.
Product: Payday loan, title loan, or personal loan

In XXXX I learned I was a victim of identity theft and fraud and personal loans were taken out in my name. 

I contacted Upgrade and they informed me a loan I did not take out of {$6000.00} was taken out in my name on XX/XX/XXXX. I informed them the email and phone number is not mine. 

XXXX : As instructed by the company I contacted their fraud team informing them I am a victim of identity theft and fraud, and I did not take out this loan and they responded. 

XX/XX/XXXX : I informed am currently working with the XXXX XXXX XXXX XXXX department on this matter and will have a police report shortly and let me know a bank account in question was closed due to fraud. 

XX/XX/XXXX : They emailed stating I have one day to produce documents. I emailed stating I will need more than one day. They continue to ask for my ID. 

XX/XX/XXXX : I asked them to provide me with the government issued ID that was used to take out this fraudulent loan and any documents associated with the fraudulent loan. 

XX/XX/XXXX : They emailed back stating, Please note there were no documents submitted on the application. 

XX/XX/XXXX : A person from Upgrade called me to do a 3 way call with XXXX XXXX bank and I explained the accounts at that bank were closed due to fraud. 

XXXX : They emailed back stating they reviewed my claim but were unable to substantiate my claim of identity theft. 

XXXX : I emailed them continuing to state I remain a victim of identity theft and fraud, I did not take this loan out and included a copy of my ID and the police repot from XXXX XXXX department Report # : XXXX. I directed them to contact the XXXX department with further questions. 

XX/XX/XXXX : I emailed them a Federal ID Theft Affidavit with the XXXX XXXX Report # again stating I did not take out this loan and it is fraudulent. 

In between emails I made phone calls inquiring about updates to status, continuing to let them know I did not take out this loan. 

In XXXX XXXX and XXXX, XXXX all appropriately removed this loan from my credit report with the supplemental documentation provided police report, Federal ID theft affidavit, and my ID. 

After the fraudulent loan was correctly removed from my credit report, XXXX continues to harass me sending me letters I owe them a debt and then wrongfully contacted the credit bureaus stating this loan was valid after being provide all necessary documentation, written communication and phone calls stating this loan is fraudulent. 

I have asked them to stop harassing me and they continue to do so.
Product: Credit card or prepaid card

Comenity bank / XXXX acct number XXXX. I have not gotten my mail statement for 2 months now. Last month they waived the late charge fee..this month they refused to.
Product: Credit card

I opened a credit card with Chase, Chase XXXX XXXX XXXX, and travelled in XXXX. I provided my travel notices for many times. But Chase bank locked all my accounts including checking accounts. Now I have much less money to use for my personal living. Im living in a disaster of my life without sufficient financial resources.