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

Citibank has improperly frozen our HELOC based upon wrongful information in our credit report. Even though we contacted Citibank immediately, they said they would not fix their mistake until we got a letter from our first mortgage company stating that their info was wrong. And now that we have that letter, their customer service keeps failing to resolve the issue ( the last straw was today when they forwarded us to an online survey and " special offer '' when they said they were transferring us to the HELOC department who would fix the problem ). Citibank 's customer service has been atrocious, Citibank clearly ignored information in our credit report stating that the wrongful information had been flagged, and was under review and/or already in process of being corrected ; and now that I've followed their instructions ( and spent time and money hiring a lawyer to get this fixed ) they are non-responsive via their own customer service system to get this sorted.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to verify my identity. I recently applied for a loan and was denied. I checked my credit report and noticed some accounts that are fraudulently on my credit report without my consent or authorization. These debt collectors are claiming that I owe them and are reporting negative information which is damaging my credit worthiness. They have not validated the debt to show any contract between them and I, to justify their claims that I owe them, and when I contacted them, they sent me frivolous automated responses that did not address my concern. Also, the credit bureaus are not conducting a reasonable investigation and are allowing the reporting of this fraudulent information 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

My XXXX card number was apparently leaked. XXXX of the unauthorized charges were initiated by a fraudulent PayPal account. I asked PayPal to review the charges. I was given irrelevant information about a different transaction for which I requested XXXX information, and that I already know is legitimate. After that disappointing experience, I specifically asked for the documents PayPal used to decide that my XXXXXXXX XXXX was not used by another account. PayPal refused to provide any documents, and repeated the same pointless information as before. I have asked for documentation twice more since then with the same result. It has gotten to the point that the time I've spent trying to motivate them to perform basic due diligence is actually costing me more than the original XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am formally challenging you to review the data on file for me and ensure that it is accurate and up-to-date. I am citing the Fair Credit Reporting Act ( FCRA ) section 611 as well as Metro 2 compliance standards in doing so. Any inaccuracies or deficiencies in the reporting must be corrected immediately. My credit report needs to be accurate and complete, so please follow these standards to ensure that you are meeting deadlines and maintaining accuracy. 
The information in my profile is wrong and it needs to be fixed immediately. Thank you for taking action to resolve this. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. You have really gone so far on disregarding my disputes. AGAIN, this state is unbelievable! Transunion and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Transunion so the reason of we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let this fraudulent account distress my credit score. TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When asked why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) and they're unwilling to explain why. I have contacted the furnisher and they agreed to deleted this from my file : DPT EDXXXX XXXX
Product: Credit reporting or other personal consumer reports

I briefly talked with the company but they seem dont want to work with me so now I am on my own. 


The validity of the {$16000.00} debt reported by [ XXXX XXXX XXXX ]. This debt is not only outrageous but also completely unjustified due to the apartment complexs blatant disregard for tenant rights, mishandling of our situation, and questionable practices. 

Clear Violations and Issues 1. Failure to Provide Proper Notice The apartment complex failed to provide my family with the legally required 30-60 days notice to vacate. Instead, after notifying them in the third week of May that we could not pay rent, they pressured us to leave by the last week of May. This provided no reasonable time to find alternate housing or prepare for the move, violating basic landlord-tenant obligations.

2. Lockout and Destruction of Personal Property After vacating the unit, we returned to retrieve remaining items and verify nothing was left behind. To our shock, the apartment complex had already locked the unit without notice or authorization, effectively barring us from recovering our belongings. Furthermore, they discarded our possessions without consent, violating property rights and tenant laws. This was not only illegal but deeply distressing for my family. 
3. Unexplained Rent Increases and Lack of Accommodation Rent increases during our lease were constant, poorly communicated, and unjustified, creating financial strain. Despite informing the complex of our situation, they failed to provide reasonable solutions such as transferring us to a more affordable unit. Instead, they rushed us out with no consideration for our circumstances.

4. Outrageous and Unsubstantiated Charges The reported {$16000.00} debt is completely baseless. This amount does not reflect any legitimate damages or unpaid rent but appears to include arbitrary penalties. There is no justification for such an inflated amount, which is clearly punitive and unenforceable under tenant protection laws.

Resolution Demanded I demand that this debt be immediately removed from my credit report due to the aforementioned violations and unethical practices. I also request documentation from the creditor that proves the validity of the debt, including : A detailed breakdown of the charges.

Evidence of proper notice to vacate.

Proof that the apartment complex made reasonable efforts to mitigate damages.

I wasnt able to dispute on XXXX as well This is a serious matter that has already caused my family significant hardship. 



This apartment complex works with Pro Collect in XXXX, a collection agency notorious for its poor service, as evidenced by its one-star reviews. Pro Collect has demonstrated a lack of good-faith effort to resolve this matter by demanding the full amount upfront and refusing to offer any reasonable payment plan. Additionally, they issued vague and intimidating warnings without clarification, which raises serious concerns about their unethical and predatory practices.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account number : # XXXX, Account name : XXXX XXXX, Account number : # XXXX, Account name : XXXX XXXX XXXX XXXX, Account number : # XXXX, Account name : XXXX XXXX XXXX  XXXX, Account number : # XXXX, Account name : XXXX XXXX XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXX Account number : # XXXX, Account name : XXXXXXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXXXXXX Account XXXX : # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681-2 ( 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

When I looked at my credit report this morning, I was shocked to find accounts that dont belong to me, and I cant figure out why. I check my report regularly, but this time, there were discrepancies that werent there before. I even refreshed my browser, thinking it was an error, but the inaccuracies remained. I would appreciate it if my documents could be thoroughly checked so I can stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi My name Is XXXX. I have been a victim of fraud as I did authorize a lot of things being shown on my account. I have tried calling Experian countless times as well as the credit card companies themselves and they just don't seem to get it. 

I was unaware as nothing was being send to my address. I don't know if a person was using my old information. All I know is I have been building my credit and it's saying I have all these Inquiry 's that I never did. I am unaware of. I never authorized. 

I am hoping that you guys can remove the following credit inquiry 's from my report as soon as possible as a courtesy as I am a victim. I have no problem proving who I am. I just want this fixed as you can understand it is hurting my credit. I have done nothing wrong. 

On XXXX It Is Saying I applied for XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX both are fraud and I never signed or authorized anything. 

On XXXX It Is Saying I applied For XXXXl XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Bank XX/XX/XXXX, XXXX Bank XX/XX/XXXX all of which I have no idea and did not authorize anyone to make any inquiry 's. I have never seen these cards. Someone Is/Was trying to steal my information. I have sent an attachment of all the inaccurate information that I can see on my report.
Product: Student loan

Mohela received a check from the Illinois XXXX XXXX  XXXX to apply to my student loan account. The Illinois XXXX XXXX XXXX awarded me {$6500.00} in XX/XX/XXXX in observation of the school XXXX XXXX shortage in the state of Illinois. Mohela was sent a check on XX/XX/XXXX, from the Illinois XXXX and cashed the check on XX/XX/XXXX ( per the records of the Illinois XXXX XXXX XXXX ). Although Mohela cashed the check, it has yet to be applied to my account. My question is, if Mohela has cashed the check, why wasn't the {$6500.00} applied to my student loan balance? When will this happen? Essentially the fact that Mohela has cashed the check but not applied it to my account is fraud. 

Check # : XXXX Date Sent : XX/XX/XXXX Date Cashed by Mohela : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Social Security Number ( Last 4 Digits ) : XXXX Case Reference : Police Report # XXXX, FTC Identity Theft Report Subject : Request to Block Fraudulent Information Due to Identity Theft Summary of Complaint I am filing this complaint against [ Credit Bureau ( s ) and Collection Agency Name ] for failing to remove fraudulent information from my credit report, despite my identity theft claims, supporting documentation, and multiple requests for resolution. 

Issues Reported : Fraudulent Hard Inquiries & Accounts My credit report contains unauthorized inquiries and fraudulent accounts that I did not open. 
Failure to Update Personal Information The credit bureaus have refused to update my personal details despite clear requests and proof. 
Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) Under the Fair Credit Reporting Act ( FCRA ), the bureaus are required to block fraudulent accounts once a valid identity theft report is provided.

Failure to Provide Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The bureaus have refused to verify the legitimacy of disputed accounts.

Failure to Protect My Data ( 15 U.S.C. 1681b ( g ) ) I was affected by the XXXX & XXXX data breach, leading to my personal information being compromised.
Product: Debt collection

I received a billing statement from Brock & Scott PLLC out of XXXX XXXX XXXX citing they representing XXXX XXXX on an alleged credit card debt I owed. 

The demand was responded to within 30 days to which I requested the debt be validated in addition to providing me what legalities this firm has to attempt to collect a debt against me in the State of GA and if they are licensed to practice collections or law within the State of GA to provide proof of the same. 

As far as validation this debt collector simply mailed me billing statements which are not contracts or a written agreement of any debt I've agreed to or am legally binded to pay. 

This debt collection has sent only two notices and neither suggest or imply that they would be or seeking legal remedies against me. As such, I've recently found out that their is a civil matter filed in the XXXX XXXX XXXX under docket # XXXX over this alleged debt that has not been proven. 

At this time I feel as if my life is now being threatened over a $ XXXX credit card debt while many americans myself included are dealing with increased expenses as we are in a global recession with no immediate relief in sight. 

To now add to my XXXX I am now being forced to respond to a debt and my livelihood being affected when this company has likely written off this debt and are only trying to force me to pay them additional monies.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block Inc. ) due to interact with adequate customer service and unfair practice which violates the Consumer Federal Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an address fraud or their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under The Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint XXXX XXXX and XXXX, XXXX, XXXX XXXX   is refusing to report on the three credit bureaus that I was not late this has been investigated and they are trying to say this is company policy I did not have a bill did not show them a bill I paid my bill XX/XX/2019 and the day I paid it there representative told me I would not be charged a late fee. Well I was charged a late fee even though my bill was paid in full and for six months straight they continue to charge me a late fee each month without even having a balance I have no balance with them it was paid in full in XXXX but every month from XX/XX/2019 they were charging me a late fee and reporting me late each month to the credit bureau I spoke with XXXX and they did credit me all the late fees but I need them to stop reporting me all these months late on my credit report my credit score has gone down because of this and they also took my {$8000.00} credit limit and dropped it down to {$100.00} credit limit because of their representative not doing her job and waiving the late fee like she said she was
Product: Credit card or prepaid card

On XX/XX/2019 I used the Bank of America ATM ( Terminal ID : XXXX ; XXXX XXXX XXXX, FL ) to withdraw cash from my XXXX XXXX XXXX XXXX XXXX account. The transaction didn't go through. The terminal did't provide the cash or receipt. 

First, I contacted Bank of America starting on XX/XX/XXXX. They told me to contact XXXX. that's when the back and forth with both banks started. 
I received a letter from XXXX dated XX/XX/XXXX with a copy of the receipt for that transaction. I appealed that evidence. Yesterday I submitted a complaint against XXXX with your Bureau. Today I will like you to contact Bank of America. 

Bank of America : case # XXXX XXXX XXXX XXXX XXXX XXXX : claim # XXXX & # XXXX
Product: Credit reporting or other personal consumer reports

I am writing because I have probable cause to believe that I am a victim of identity theft because I have pulled copies of my credit report on Transunion, in XXXX of XXXX and have found unauthorized accounts removed from my credit report. 

According to consumer law, 15 USC 1681B, all unverified information reporting must be removed.

In addition, I'd also like to mention consumer law, 15 USC 1681b ( 2 ), which states that any negative item that a company reports without my written consent is considered identity theft. 
These inquires do not have permissible purpose to have been furnished on my credit report. 
The inquiries that are in violation of these laws have been listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have also attached my FTC report below.
Product: Debt collection

I went with another cell carrier in XXXX, 2016. XXXX XXXX, I received an invoice from XXXX, for the pay amount on XXXX phones that I was doing the lease on. The bill was {$590.00}. I sent payment for {$360.00}, conformation # XXXX. The payment was due XXXX XXXX. I figured XXXX would then send me an updated bill for the balance. However, without another word from XXXX, they sent it to a collection agency, RPM. 
RPM have been calling my phone and home phone 4 to 6 times a day. I contacted them XXXX/XXXX/16, to see who this company was. And why they continue contacting me. That is when I found out, it was over XXXX. I told the lady, I had not received another invoice from XXXX or even from them. She stated they mailed it and would mail another. I informed, again, I had not received notice from XXXX or them. She said they sent a notice on XXXX and that is all that is required. I informed her to stop calling and send my notice. She refused and hung-up on me.I can pull phone records to show the number of calls, I have received. RPM have made 4-6 calls daily for a couple weeks. Which is the time she stated they mailed a notice. This is extreme. They are refusing to send me a notice. I believe XXXX should send me the total, my payment, and a balance.
Product: Credit reporting or other personal consumer reports

I'm " CLIENTS NAME, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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
Product: Debt collection

This is a follow-up to Complaint # XXXX which was closed by way of the CFPB " parroting '' the Data Furnishers ' assertion that they are right and I am wrong. 

This document was sent this morning by certified mail to Rocket Mortgage. 

Rocket Mortgage violated the CARES Act and subsequently and separately, the Fair Credit Reporting Act.
Product: Checking or savings account

NAME

: XXXX XXXX XXXX ACCOUNT # : XXXX ACCESS # : XXXX SUBJECT : UNRESOLVED NFCU UNETHICAL PRACTICES ( RECURRING ISSUES AND OVERDRAFT FEES ) To Authorized Rep, I am writing to file another complaint against Navy Federal Credit Union ( NFCU ) regarding ongoing issues with unethical practices and recurring problems. This complaint is related to the issues previously raised in my complaint submitted on XX/XX/XXXX, with complaint IDs : ( CFPB ) XXXX, ( CFPB ) XXXX, as well as the subsequent complaint on XX/XX/XXXX with complaint IDs : ( CFPB ) XXXX ( Latest ), ( CFPB ) XXXX, and ( CFPB ) XXXX. On XX/XX/XXXX, I encountered yet another instance of NFCU 's unethical practices. A transaction of {$79.00} that began pending on XX/XX/XXXX was unexpectedly posted the same day instead of the expected posting day of XX/XX/XXXX. This premature posting resulted in a negative balance of - {$86.00}, leading to an Overdraft fee of {$20.00} being posted at the end of the day on XX/XX/XXXX. Furthermore, the negative balance included more instances of NFCU abusing the timing of transaction postings to auto-apply fees. These instances totaled an accumulative amount of over {$80.00} in fees applied on earlier dates within the statement cycle ( XXXX XXXX XXXX XXXX XXXX  ). The wrongful timing of the posted transaction and the accumulation of fees exacerbated the negative balance, preventing me from avoiding additional fees. Additionally, an adjustment credit for the referenced fees was applied and posted on XX/XX/XXXX, totaling {$40.00}. However, had this credit been applied on the correct date, XX/XX/XXXX, as it should have been, I would have avoided further fees entirely. As a resolution to this complaint, I am demanding a full refund and immediate adjustment of ALL fees on ALL accounts applicable from the dates of XX/XX/XXXX through today ( XX/XX/XXXX). I have attached documentation supporting my claims, including screenshots of transactions, correspondence with NFCU, and evidence of the unethical practices. I appreciate your attention to this matter and request your intervention to ensure that NFCU addresses these issues promptly and appropriately. Sincerely,