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

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the XXXX. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

Certified Mail # : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I sent a letter to a collection agency asking for Debt Validation. They were unable to produce the documents that I asked for in my letter. They sent an electronic copy of a lease that I NEVER signed. I gave them 30 days and nothing has been updated on my credit report. Please advise next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$120.00}, XXXX XXXX XX/XX/XXXX {$51.00}, XXXX XXXX XX/XX/XXXX {$1700.00}. Inquiries : XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I am writing to you with a heavy heart and a deep sense of frustration regarding the unjust debt collection efforts made by NCB MANAGEMENT SERVICES COLL.THIS COMPANY IS NOT LICENSED OR REGISTERED IN MY STATE OF Florida.

I have been turned away from multiple housing opportunities, denied access to loans, and been unable to obtain a credit card. These are not just inconveniences, but essential services that I need to move forward in my life.

The actions of NCB MANAGEMENT SERVICES COLL have caused me immense stress and anxiety, making it difficult for me to imagine a future where I can access the services I need. 

I implore the CFPB to investigate this matter and ensure that my consumer rights are protected under the Fair Credit Reporting Act. I ask that NCB MANAGEMENT SERVICES COLL immediately cease their collection attempts and rectify the inaccurate information on my credit report as mandated by the law. Your intervention in this matter is my last hope for finding some peace of mind and regaining control over my life. 

Thank you for your attention to this deeply personal issue
Product: Credit reporting, credit repair services, or other personal consumer reports

The following were unauthorized hard inquiries that were made to my credit report. 

XXXX ( Finance ) XX/XX/2023 XXXX FIN XXXX XXXX Bank ) XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Checking or savings account

So a few month 's ago, my wells fargo account was broken into and someone deposited a fake check, sent the money to 2 separate accounts then when the check bounced my account was overdrawn XXXX dollars, and I tried submitting multiple claims, got transfered multiple times and waited long periods, finally got the claim and they denied it a few days later. Cut to now and they closed my account and sent my balance to debt collectors and I'm still working on trying to get this issue resolved and the same problem happened where they kept transferring me and barely looked into my case. They keep saying I authorized it but it happened when I was asleep.
Product: Checking or savings account

On XX/XX/XXXX around XXXX in the afternoon i received an e-mail from a chase stating as you have requested weve ordered you new atm/pre paid or debit card or you were issued on at a branch. I was working and i thought it was weird that they would send me a email when i had no changes to my account, or anything for me to have requested a new card or anything. I checked my account to make sure everything was okay and it was. When i got off of work at XXXX i received notifications of 4 transactions at a XXXX XXXX in XXXX for the amounts of 1- {$54.00} 2- {$52.00} 3- {$52.00} 4- {$52.00} i quickly called the bank to have my card canceled. They did a verification over the phone and asked me questions that had nothing to do with me, i also tried verifying with my phone number they stated they would send me a quick text ( but that the system had blocked my number? ) also that i had answered the questions incorrect therefore i had to step into a branch. I stepped in had myself verified with two forms of ID. An agent called the claims Deparment asked me valid questions pertaining to what was going on and told the claims department over the phone yes i have the card here in front of me validating that it was fraud and someone had either cloned or just knew my numbers to my card. the agent told me i would get a refund within a couple of days and i did. I got the refund everything was perfect. On XX/XX/XXXX around XXXX i checked my bank account and noticed they had taken back the money they had given me back, i immidately went into a bank and was put over the phone with the claims department and was told that they had experts that knew that i had inserted my card into the XX/XX/XXXX machine, and had entered my pin into the machine as well. When trying to ask how is it possible since they took my money at XXXX XXXX  on the XX/XX/XXXX, and stepped into a branch that same day at XXXX With my card. I could not be at two places at the same time. I live in XXXX tx when trying to explain this to the claims agent he stated maam theres is nothing we can do anymore we have proof and basically cut me off i had to talk to a manager who told me i should file a police report if i want to get this settled. I took my police report today. Gave it to them and all they said was okay thank you. Never told me what was wrong, what was going to happen, nothing at all. Why give me the money back if later they stated they had proof that i was doing fraud with the bank. I am very upset that a big bank like CHASE would do this to a loyal customer. I want justice for my claim. And my money that was stolen from me.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XX/XX/XXXX {$250.00} Personal Information Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Collection/Charge Off XXXX XXXX  XXXX XX/XX/XXXX {$5800.00} XXXX  XXXX XXXX XX/XX/XXXX {$170.00} XXXX  XXXX XX/XX/XXXX {$3900.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX  XXXX XXXX XX/XX/XXXX {$690.00} XXXX  XXXX XXXX XX/XX/XXXX {$6700.00} XXXX  XXXX XXXX XX/XX/XXXX {$3900.00} XXXX XXXX  XXXX XX/XX/XXXX {$2400.00} Late Payment XXXX XXXX XXXX XXXX  XX/XX/XXXX {$4700.00} Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I made a purchase at XXXX. I returned the item and XXXX XXXX XXXX  received the money on XX/XX/XXXX and they are holding the money. XXXX XXXX is saying XXXX is holding my money but after checking with XXXX they said that wasn't true. They will not release my funds.
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 : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX 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: Bank account or service

A PayPal credit account was opened in my name and has an outstanding balance on it that is not attributable to me. I want this account removed from my credit reports and I want the derogatory comments removed from the credit files as well.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account # XXXX Account Name : U S DEPT OF EDXXXX  Account XXXX XXXX Account Name : U S DEPT OF EDXXXX Account # XXXX Account Name XXXX U S DEPT OF EDUCATIONXXXX Account XXXX XXXX  XXXX Account Name : U S DEPT. OF EDUCATIONXXXX Account # XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX Account Name : US DEPARTMENT OF EDUCATION Account XXXX XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX  XXXX Account Name : XXXX XXXX XXXX Account # XXXX  XXXX Account Name : XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A : States that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX 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!! These accounts shout not be furnished on my consumer reports 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 consumer to whom it relates. I NEVER gave any consumer-reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer, Im demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit card or prepaid card

In XXXX of XXXX I opened a XXXX XXXX Credit Card ( Citi Bank ) after reading the advisement for XXXX  years, 0 % interest. I linked my bank account in order to make prompt payments as a way of protecting my good credit score. After XXXX  years of making automatic payments and the XXXX years expired, Citi Bank immediately added a retroactive interest fee of {$3000.00} on a {$3600.00} balance. I called Citi Bank Representative and account manager named XXXX who gave me her employee ID as XXXX. She refused to hear me out and eventually hung up on me after I pleaded with her to understand that the decision to add such an interest fee was unethical. To be clear, it wasn't until I went to pay off what I thought was the remaining balance of {$3600.00} on Friday that I noticed the huge interest charge from back in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 

XXXX XXXX XXXX : {$23000.00}.
Product: Credit reporting

On XX/XX/XXXX I pulled up my credit report XXXX TransUnion, I pay XXXX a month so I can do this. My credit score was XXXX then. On XX/XX/XXXX I pull it up again and my credit score is XXXX. 
At XXXX I called Transunion to find out why my score was down XXXX points. I was asked '' which apatment number is yours? '' I OWN my house, since XX/XX/XXXX, I do not live in apartment. XXXX said I did and I would have to prove I own my house. I told them to look on report and it says my mortgage company. They said I had to get letter from mortgage company saying it is a house. Then they said I had a delenquent account from over four years ago and that would bring my score down. I told them it was from four and half years ago that should not have brought it down in the past few days. They refused to check on this. They also said I need to prove I own a home, with XXXX different mortgage companies because I refinaced it over a year ago. They also refuse to add a credit card that I have had for over 22 years now- -saying, after the bank even sent XXXX letters verifying this, that I do not have this account. I have wrtten about this charge card XXXX times, called XXXX times, bank has sent XXXX letters. 
I can not get them to understand a single thing. I still do not know why I lost XXXX points in just a few days. Nothing is past due except the account that is over XXXX years old. XXXX guy flat refuse to do anything ( talked to XXXX people including supervisor ) because it went back to " you live in apartment ''. Please help me here, please. TransUnion is the ONLY agency that has my credit all messed up. I finally ended the phone call at XXXX AM- -the whole time they would nto do XXXX thing except refuse to add credit card I have had 22 years and refused to know I own a home, that I do XXXX live in apartment- -which is stupid, it shows on my credit report of home mortgage. I need HELP, please. I have worked hard to get my credfit pass XXXX.
Product: Credit reporting or other personal consumer reports

This is really alarming, I recently checked my credit report and I have found numerous credit inquiries which I believe to be fraudulent as I neither recognize them nor have applied to them. It's giving me undue stress and anxiety as I might already be a possible victim of identity theft, these seemed to have been done online and I'm still wondering how these companies managed to access my credit report and you placing this on it.
Product: Money transfer, virtual currency, or money service

I received text message overnight ( while sleeping ) that said a Chime account was setup. I then checked email and had receive

d two emails stating account almost there and a debit card would be mailed to me. I called number on email, after checking it was a number that belonged to the company. Kept disconnecting me after I said " Fraud '' and it said transferring to customer service, though it said it recognized my phone number ( for security purposes ) when I called. I tried choosing stolen card. The automated system also said they would send new card and proceeded to list my address. Chose needed help setting up and finally got human. They wanted complete spelling of my name, last 4 of my social, and d
ate of birth. I declined. They said they didn't have access to account information when I said you have texted, emailed and called me, so you have this information ( and their auto system said my phone number and address ). They said I should get their app to get account number. I declined. They would not assist in closing the account, but proceeded to tell me to check credit reports and identitytheft.gov. I see online they have asked many others for same when they stated fraudulent account setup, they also ask for drivers license picture and picture of you with that license.
Product: Debt collection

I am being harassed by XXXX XXXX, Comenity Bank and XXXX daily. Multiple times a day. They call me from different numbers, they call me from blocked numbers, they change their number to make it look like theyre calling from different area codes. Ive been making minimum payment as Im out of work and have been sick and my kids have been sick also. But they continue to harass me. The XXXX  XXXX ones are them also.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX bank filed a late payment on my credit report due to missing a payment. I had paid every month and paid the amount due on the website where you need to pay. Then they told us we missed a month and hit my credit score for 75 points. This is the only late payment I've had. I called with them and they reported I still had a balance, which I then paid. But the website still showed as owing XXXX  dollars. I disputed the information due to their website not giving a correct total due, but was told that because they see a balance, I couldn't get anything done. So, I disputed it with all 3 major credit reporting agencies, and lost at experian with an additional late payment showing. Once again, checking the balance due at the only place to pay, shows only the normal amount due. Which I just now paid. I need these taken off my credit report ASAP because of an issue technically that has nothing to do with me.
Product: Mortgage

Secured Veterans Home Loan for a property located at XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX from Cardinal Financial Company Loan Number XXXX XXXX. ( hereinafter " Cardinal '' ) Escrow closed on or about XX/XX/20. On XX/XX/20 made the first Mortgage payment o {$1400.00} that was due on XX/XX/20. i.e. I made the payment one month in advance. On XX/XX/20 I received a letter confirming the receipt of the payment. On XX/XX/20 I was noticed by Cardinal that the loan would now be serviced by XXXX XXXX XXXX XXXX XXXX XXXX who sent me a payment request for XX/XX/20. I noticed Cardinal to forward the money.. Cardinal said it would send the payment made to Cardinal to XXXX XXXX . Cardinal failed to do so and I received a payment request for XX/XX/20 and XX/XX/20. I sent in the money amounting to another payment of {$1400.00} for XX/XX/20. Another request for payment was {$2900.00}. Finally XXXX XXXX found the payment for XX/XX/20 and advanced the next payment due to XX/XX/20. When the money is sent to XXXX XXXX from Cardinal, the next payment would be due on XX/XX/20. Cardinal now refuses to answer the phone. As it stands now, I paid the XXXX and XXXX payments twice.
Product: Credit card or prepaid card

Description of complaint : I went to XXXXXXXX XXXX and found several paid to watch Ads apps. I found one called XXXXXXXX XXXX. It had reviews that said they were legitimate and several people on their said they received their payout immediately via cashapp or XXXX. I have both. So I played the game. I watched over a hundred Ad 's. Cashapp Ad 's, XXXX  Ad 's, and other get paid to play or watch Ads for pay. I won {$1000.00} then XXXX, XXXX, XXXX, XXXX, then XXXX. Instead of getting paid immediately I had to watch more Ad 's. Then after XXXX hours I thought that I would receive my money but in stead it none of it never was released. I feel that this is a huge scam and that several companies are involved. XXXX XXXX, Cashapp and XXXX to name a few.
Product: Checking or savings account

A long established trust account has been tampered with inside of the bank. This account was somehow changed from a Trust account with all the required documents and to a personal joint account with no documents. The bank refuse 's to give us any of the paper work or reason 's why this happened. They are hiding all of the information we have requested about the problem and will not correct it back to the way it was opened as. By removing the Trust on the books they are maintaining, they have also removed all of the protections that a Trust provides, and it also affect 's the Trust instructions and wills, and properties in the Trust.. Extensive effort 's have been taken to get this corrected, but have been met with a cover-up most likely to protect them and not the customer. This by all banking and Trust rules and laws and or standards, must have broken many of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Synchrony Bank. Balance has been paid in full in fact I am owed money. On XXXX  and XXXX it is reporting properly but not XXXX. I contacted them regarding this matter and I'm having a serious issue. I need them to make and update immediately as this has been paid.
Product: Debt collection

i am writing to dispute the above referenced alleged account. According to the Fair Debt Collection Practice Act I have 30 days to receive validation of the debt you say I owe before the collection process can continue. According to the Fair Debt Collection Practice Act I have 30 days to receive validation of the debt you say I owe before the collection process can continue..

Also according to 15 USC 1692, whoever the original creditor was sold this alleged debt to you without my knowledge and I don't know you from a can of worms and i never agreed anything with your company. 

I have reached out to over the span of two years for you to delete this inaccuracy. It is your responsibility to give me what I ask for which is an original contract and purchase agreement with my signature. That lets me know that this is my account.

Youre also reporting this account as open. A collection can not be open under FCRA compliance. This is clearly a FTC violation 15 USC Code 1681S-2.

What is your method of verifying this account and send me what I asked for. Please send me proof and associated validation to prove this debt is mine cause it is NOT!

Send me the PURCHASE AGREEMENT with signature or DELETE THIS IMMEDIATELY!
Product: Mortgage

Mr. Cooper has been holding substantial rolling escrow surplus in violation of RESPA since XXXX. I proport an {$8.00} XXXX dollar surplus scheduled by XX/XX/XXXX. Please see attached XXXX. You can clearly see Mr. Cooper also saw an {$8.00} XXXX dollar surplus XX/XX/XXXX they outline this. This document outlines {$6900.00} surplus XX/XX/XXXX. 

XX/XX/XXXX Mr. Cooper states verbatim : Trustee Claims ( Agreed Orders ) were created as a result of missed post-petition payments during the active bankruptcy proceeding. Funds submitted by the Trustee that were referenced for the specific Trustee Claim ( Agreed Order ) were utilized to repay the specific Trustee Claim they were submitted for. 

However Between XXXX & XXXX statements {$17000.00} was credited as indicated on the monthly statement by the reduction of overdue payments line item. 

This was represented as XXXX interest, XXXX principle or exactly 7 months P & I, and {$3800.00} or in escrow or 7 monthsXXXX. No payments were made at this time and in XXXX there is still {$1200.00} in suspense. Attached XXXX. 

Mr. Cooper had not in fact applied any trustee payments for the post-petition claims paid XXXX until XXXX.