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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX the credit reporting agency permanently block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 3 personal credit card accounts, XXXX XXXX # XXXX XXXX XXXX # XXXX. Also, XXXX  # XXXX. An Apartment named The Nines at XXXX collected by XXXX XXXX # XXXX. And an application for rent at XXXX on XXXX collected by XXXX # XXXXThese accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All these accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints on all accounts mentioned and as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.
Product: Debt collection

Estoppel letter dated  XX/XX/XXXX, was presented to  The Thomas agency as a result of their default in dishonor, via tacit acquiescence, regarding  previously served  Cease and Desist / Verification of Debt  of which was received by their office  XX/XX/XXXX, substantiated by certified receipt  XXXX. The Thomas Agency (Collection Agent) was legally  estopped  from  collecting and or  reporting any/all of those alleged debts listed in Attachment XXXX, And yet, as of XX/XX/XXXX, the Thomas Agency continues to  illegally report  these alleged debts as though  they are valid to all XXXX credit bureaus. Those alleged debts the Thomas Agency continues to report have never been validated though request for validation has been made over and over again. XXXX written request for validation was sent to the Thomas Agency XX/XX/XXXX with no response. A XXXX request for validation was sent to the Thomas Agency XX/XX/XXXX,no response. A XXXX request for validation was sent XX/XX/XXXX, no response. Last request sent XX/XX/XXXX, no response.
Product: Checking or savings account

I have banked with Citibank for over fifteen years. I have two accounts, one on which I am the only signer, and is over fifteen years old. The second is a newly opened joint account on which I am the co-signer. 
OnXX/XX/XXXX, I made a cash deposit of {$7400.00} ( XXXX XXXX XXXX XXXX  XXXX dollars ) to the account on which I am the only signer. 
Thereafter, Citibank placed a block on my account onXX/XX/XXXX, and cited the deposit of multiple checks on the evening oXX/XX/XXXXas a reason for the block. I have ATM receipts which prove that the deposits made were in fact cash, and no checks were involved. My account has been blocked for over a week with no explanation other than the deposit of multiple checks on XX/XX/XXXX, which in fact never occurred. 
And onXX/XX/XXXX, they informed me that they had closed my account, and would be keeping XXXX dollars of my money. The newly opened joint account was also blocked with no explanation as to why.
Product: Credit card or prepaid card

During this COVID pandemic, I got distracted by caring for a sick family member and was late on my credit card payment with CITI. I have had this account for 5+ years, always in good standing, never a time where I did not pay or became delinquent or had any issues reported on the account. I got an email stating my account was late and they refunded the late fee because I have never missed a payment. When I first got this, I was do grateful and happy they were proactive with that. That moment, I made the payment online and the account is current. Again, never any issues with the account. This missed payment was in early XXXX 2020. Then, today, I got a separate notice saying they adjusted my credit limit down, decreasing my available credit and sighting " my utilization of credit with other accounts was high. '' My credit utilization has been the same for the last 2-3 years. This particular account has not been used for many many months as a way to positively impact my credit utilization. By Citi taking this adverse action at a time of a global pandemic and lowering my credit, it puts me in a worse position because my credit utilization, which they sight as the reason for the adverse action and reducing my line actually makes my credit utilization WORSE. It is unfair and unethical to impact customers in good standing during a time of national and global crisis while at the same time publicly stating Citi is here to help people impacted. This type of adverse action is uncalled for. My credit profile has not changed in years and I think it is unfair and irresponsible to be taking adverse action on a long time customer, in good standing who made a mistake by paying an account late in the middle of a global pandemic.
Product: Credit reporting or other personal consumer reports

This Person ( XXXX XXXXXXXX XXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.
Product: Payday loan

I borrowed {$800.00} dollars from XXXX XXXX XXXX XXXX. I have paid {$1400.00} dollars in interest since XXXX XXXX 2016. None of this went to the loan principal. They are deducting {$280.00} from my checking account every 2 weeks. They have now switched their name to Big Picture Loans.
Product: Mortgage

I completed a modification application with Caliber home loans and was denied a regular mortgage and was offered an Interest only for 5 years at 5.125 %. Because I believed this was my only option I signed the agreement and continued to make payments after my completion of a 3 month trial. I checked on line after 2 months because I never received any information from Caliber since by signing I was suppose to be taken out of foreclosure and I notice the last payment posted was from XXXX which was the end of my trial period and no mention of the funds I sent since I signed and sent the agreement. 
Caliber was accepting my money and failed to acknowledge they did not receive the agreement, yet cashed the checks. I am now forced to sign and have a notary sign the agreement again. If I did not call I would have been paying and believed I was out of foreclosure and they would have continued and I would be evicted and homeless. I was never notified the reason for the interest only payments only given different reasons from the various people who answer the phone when I called. I was told if I declined the agreement I would need to complete another modification, however, it would have the same information, my funds would be kept because of the back money owed and nothing would be applied to the principle until those funds are paid.Another person said I could appeal and did not tell me the appeal process. I find their behavior unacceptable. 
Caliber home loan took my money and did not acknowledge they did not receive the agreement for almost 3 months, then when I complained threaten me with completing the agreement or they will continued the foreclosure. My account is not being service properly, my questions are not being answered by people who have the authority I always receive a different answer. I am being judged on my pass inability to pay my debts and not on my Current behavior to rectify my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the two Bureaus, Transunion and XXXX. Please block/delete/update the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the following XXXX  Accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 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 States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report due to a data breach that compromised my personal information. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to request the removal of accounts resulting from unauthorized activity. 
Accounts to Block and Delete : XXXX. XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXXXXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$480.00} XXXX. XXXX XXXX XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX  - XXXX - Opened : XX/XX/XXXX - Balance : {$1700.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$950.00} XXXX. XXXX XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$120.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$530.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$84.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$670.00} XXXX. XXXX XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$610.00}
Product: Debt collection

Ive reported that this is fraud and identity theft on multiple occasions sent letters and disputes. Company keeps trying to collect and refuses to clear the debt from my credit bureau and from collection. There is only one capital one card on my report. It closed in 2013 for a {$300.00} limit. The charges made on this account were unauthorized and not made by me!! The credit bureaus arent even taking the FTC or tax fraud reports they arent blocking. I am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax and XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020 Balance {$7900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020 Balance {$38000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$3000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

Ive communicated several times that I need help, due to medical issues that came up. I was diagnosed with XXXXXXXX XXXX XXXXXXXX XXXX. Ive struggled with them for so long begging for help and they only move a payment but that doesnt help me month to month. They always say I have enough yet my fridge is empty a lot lately! They are quite rude and useless. I wish Id never gotten into this high interest!
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my free annual credit report from Experian from the website XXXX on XX/XX/20. The site said it was unable to verify my identity, and I would need to submit documents. I attempted to upload pdf files of my drivers license and a recent utility statement as requested, but the site returned an error message saying " We were unable to upload your documents. '' It did not say why the upload failed, it just stated document size and file type requirements, which mine complied with. I had to start over, re-enter all my information, and resubmit. I received the error message again. I did not see a link to contact Experian about this error.
Product: Credit reporting or other personal consumer reports

My personal information was left in my wallet, which I unfortunately was pick pocket at a shopping mall. I am a victim of Identity Theft & XXXX Data Breach. Despite my immediate and repeated attempts to retrieve it by contacting the mall on the same day and subsequently, my wallet was never recovered from the thieves. Upon realizing this, I decided to pull my credit report because I'm in need for a car very badly, and to my dismay, I discovered unauthorized collections accounts and hard inquiries that do not belong to me. XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Co XX/XX/XXXX XXXX. XXXX XXXX XX/XX/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 My credit report shows a collection from your agency with a balance of {$1100.00}. I was never notified of this collection. Whats more, I do not believe this debt is accurate. I am not liable for the debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, XXXX and when I requested, they provided me with the original contract over an month ago, they did not give me one. This has been an ongoing battle for me, spanning over XXXX long years. I urgently request the removal of these erroneous entries from my credit report immediately. I am currently in the process of securing a new car and a home for both myself and my XXXX daughters who I have full custody of, as we face the threat of homelessness. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Additionally, I would like to emphasize the importance of upholding the credit repair law as outlined in 15 U.S. Code 1681 and FCRA 605B ( 15 U.S.C. 1681c-2 ). I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. Your cooperation in rectifying these discrepancies is greatly appreciated.
Product: Money transfer, virtual currency, or money service

i received a check XXXX XXXX XXXX XXXX on XX/XX/XXXX for ( XXXX dollars ) which i worked for since XXXX to XXXX until the pandemic happened and it closed, i was in the local XXXX union also. The hotel got bought out by an XXXX XXXX and they paid all the workers severance money for working there. I went to the XXXX and picked up my check and cashed it at Chase Bank, they cashed my check into my account and then they froze my account. I called and they said the check could be fraud, i told them IT WAS NOT, they wanted the contact number to clear the check. They kept telling me they COULD NOT CALL the number i gave them because it was not registered to XXXX XXXX XXXX XXXX XXXX. I called the issuer of the check and their attorneys and told me they will help me if chase will call and connect the call. XXXX did not help so i went to the XXXX branch and was helped by XXXX XXXX and she spoke to the fraud department and the department said, if the issuer sends a notarized letter with the company letter head explaining that they issued me the check? i was cleared but the issuer sent the email to the chase branch and they told us that the letter would not work. XXXX XXXX talked to her supervisor and they made a complaint for me. Since XXXX i have been talking to numerous people in chase and they keep denying to call and clear the check. The issuer told me they tried all they can and since XXXX cashed the check into my account? then there is nothing they can do but get an Attorney to help me with this case.
Product: Debt collection

Portfolio Recovery Associates has placed a collection account on all three of my credit reports and I have no knowledge of debt. They claim to have sent correspondence to an address that I have not lived at since 2017.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate 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 address fraud on 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 requirement 's 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 these violations
Product: Student loan

Loans werent talked through in the process of enrolling in school. XXXX XXXX in the year 2014 did not handle the appropriate steps, signed the student up for loans without informing student appropriately.
Product: Credit reporting or other personal consumer reports

Reporting act ( XXXX  XXXX Account # XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late any reason.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I XXXX XXXX XXXX am writing to file a formal complaint regarding a violation of the Fair Credit Reporting Act ( FCRA ) by NCB MANAGEMENT SERVICES. Pursuant to 15 USC 1681, I believe my rights under the FCRA have been violated in the following manner : 1. I have been trying to dispute this repo charge off my account since XXXX of XXXX with no help from the collection company. XXXX states that the repo charge off had a reported date from XX/XX/XXXX. Shouldnt all collection accounts be reporting accurately each month with updated information. Thats a violation and doesnt meet FCRA REGULATIONS. XXXX has the account charged off, {$18000.00} written off, with the last status being updated in XX/XX/XXXX. Thats another violation. Also on XXXX states that there was no data collected for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Thats another violation. 

XXXX. XXXX hasnt updated my account since XX/XX/XXXX. The XXXX history on XXXX hasnt been updated since XX/XX/XXXX. These are all violations that are intentionally hurting my credit. 

This violation has resulted in significant harm to my financial well-being and has adversely affected my ability to buy a house, obtain good credit. 

I have attempted to resolve this matter directly with NCB MANAGEMENT SERVICES, but my efforts have been unsuccessful. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to investigate this issue and take appropriate action to rectify the violation.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take any necessary enforcement actions to ensure compliance with the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Loan was taken out during/around quarantine period. I was having trouble with finances as expected and thought this would be an easy process to help. I had been making payments automatically on my debit card but shortly after, however I ended up losing my wallet. Tried reaching out to them to come to a resolution on how to lower payments and they were not able to accommodate. This loan became piled on to the list of bills/expenses i was dealing with due to all the interest which I was not expecting when I first applied for the loan. Time had gone by and I ended up moving due to financial issues. My car was repossessed by them eventually and it was an absolute nightmare even getting my car and getting set back up on a payment plan. I was lied to by staff on how to retrieve my vehicle after I had paid the fee to get it back. Unfortunately a staff member yelled and cursed at me over the phone and hung up in my face. I had to contact the tow yard myself after the loan store told me I had to wait until someone reached out me and days had gone by with me waiting. Once my car was retrieved there was minor damage. They have repossessed my car yet again after I have tried for months to reach either the store manager or corporate to rectify the situation. I gave a full report to corporate nothing ever happened. I am assuming they unbeknownst to me put a tracker on my car.
Product: Student loan

Navient has made it hard to repay my loans due to the large re payment amount. When calling to get a better repayment schedule none available. Which is why Im force to postpone payment due to forebearance. Their has to be a better system in place.
Product: Debt collection

Letter addressed to " XXXX XXXX '', which is not me, at my address. Another attempt to collect a phony XXXX debt. I will attach their letter. Their web site allows no option but making a payment ; nowhere for an explanation ( in this case, that there is no such debt ).