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

This is my fourth 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 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 XXXX
Product: Checking or savings account

Opened a Citi Regular Checking account ( account number ending in XXXX ) on XX/XX/XXXX. Funded with {$5000.00} from an external checking account. Maintained a minimum of {$5000.00} in the account through XX/XX/XXXX. 

When I opened the account, there was a promotion with the following terms ( paraphrased ) : " Deposit within 90 days and maintain deposit for 60 days. Receive the following bonus tiers. Deposit {$2500.00} receive {$100.00}. Deposit {$5000.00} receive {$200.00}. Deposit {$15000.00} receive {$400.00}. Deposit {$50000.00} receive {$700.00}. Deposit {$200000.00} receive {$1500.00}. '' I confirmed with Citi vie chat on XX/XX/XXXX, that I would receive the {$200.00} bonus by XX/XX/XXXX. Chat transcript attached. After confirming via chat, I withdrew some of my funds and waited until XX/XX/XXXX. 

On XX/XX/XXXX, after not yet receiving the funds, I chatted Citi again. They again confirmed the details of the promotion and said they would file an internal complaint and review. 

On XX/XX/XXXX, I received a letter from Citi saying that they were not aware of any promotions on my account. Now on XX/XX/XXXX, I am filing this complaint with the CFPB. Still no bonus deposited from Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

After contact the credit bureau to get my credit report updated on XXXX XXXX XXXX XXXX, the credit bureau said everything is being reported correct. 
I filed with XXXX XXXX XXXX XXXX that responded the credit bureau is refusing to updated the information sent every month because of not accepting my name ( legal discriminations on by view ), in attach is the XXXX XXXX XXXX response where is wirten the credit bureau are solo responsible for not having my credit updated correctly. 
What intrigues me is that my name is accepted for hard inquiry but not for the monthly payment report, again I feel like discrimination.
Product: Debt collection

COMPANY CONTINUE TO SEND DEMAND NOTICE FOR FRAUD ACCOUNT NOT MINES, ACCOUNT OUTDATED OVER 6YRS OLD ( CALIFORNIA STATE STATUE OF LIMITATION HAS EXPIRED TO COLLECT 4YRS OPEN ENDED CREDIT CARD ACCOUNT ), COMPANY VIOLATES " FDCPA, FCBA AND FCRA '', FORMAL COMPLAINT FILED WITH " XXXX '' CASE # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a good standing client since XXXX in this bank. In XX/XX/XXXX I had to travel to another country due to extenuating circumstances. But before I left I made sure to make payment of my credit card amount and I did but, the day that I went to the bank to pay off the balance a worker in customer service asked me that my credit card was too old if I wanted another one and I said yes. But he never mentioned that the credit card number will change. So, I had an outstanding balance left on new one which was pending on my old card. When I came back I had it late payment but still I paid off the balance on new card too. But never thought it will still be recorded.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

i recently pulled my credit report and noticed that someone has been applying for credit in my name. i have filed a police report/ FTC report and have notified the 3 credit bureau 's of these inaccurate false reporting accounts : in accordance with the FCRA the list of accounts below has violated my ferderally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have never been contacted by US XXXX about any debt and have no outstanding debt on my credit report. I have been called 3 separate time by this company ( Americollect ), all from different robocall numbers. In none of the voicemails do they ever indicate WHO they are trying to reach. Dates and times of the calls are as follows : XX/XX/22 @ XXXX, XX/XX/22 @ XXXX, and XX/XX/22 @ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that Capital One is reporting a late payment on my credit report for XX/XX/XXXX - one a specifically remember having to pay online. I have been attempting to resolve this with them due to the fact that I believe an issue with their online system incorrectly processed my payment and thus left me to believe I had correctly processed a payment when in fact it did not. I have been a customer since XX/XX/XXXXand never had this issue occur. Now that this late payment is significantly impairing my credit score they refuse to assist me in clearing up this error. I really don't feel I should be penalized for this late payment since it was not my fault, but Capital One 's.
Product: Debt collection

First progress credit card XXXX # XXXX. I paid off balance. Had an agreement with creditor that if I paid balance it would be removed from credit reports.
Product: Money transfers

I sent XXXX wires in the amounts of {$7500.00} and {$4500.00} respectively from my bank, XXXX XXXX to XXXX XXXX account in Sun Trust Bank. She tried to wire the money to XXXX against my knowledge and wishes. The wire transfer was stopped from her account to XXXX. The Fruad Department said they did an investigation into this. 
I sent in a recall of wire from my bank, XXXX XXXX to Sun Trust bank. 
They did not send the money back. There investgation took XXXX weeks and they have lied and lied to me telling XXXX that they closed her account and would send her the money back so she could then return it to me. 
Sun Trust Bank sent the money instead to the IRS claiming there was an outstanding Levy against XXXX XXXX. 
I wish to get my money back from Sun Trust Bank
Product: Credit reporting or other personal consumer reports

Im writing to you today asking for help to inform that I am a victim of identity theft. Per FCRA section 605b CREDIT BUREAUS are required to remove any item listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of ITEM which do not belong to me or were opened without my permission. XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX Inquiry Date : XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$33000.00} XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Im writing to you today asking for help to inform that I am a victim of identity theft. Per FCRA section 605b CREDIT BUREAUS are required to remove any item listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of ITEM which do not belong to me or were opened without my permission. XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$33000.00} XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  AND XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports Update the late payments to paid as agreed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is reporting to my account when i do NOT have credit with them!!!! I personally went to the branch and was advised that I am not listed on that account, but it is ON MY CREDIT so clearly i am somehow listed! I do NOT have an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or XXXX. Please make them remove this from my account!
Product: Mortgage

XX/XX/22 sent to US bank along with multiple calls to relationship manager and loss mitigation. They are refusing to reverse my forbearance deferral that I have not paid on yet. This makes me ineligible for assistance funds from the state of XXXX 

Hello Please forward this to your loss mitigation and /or complaint department ASAP. I am requesting to cancel my deferral agreement and pay my mortgage forbearance back in a lump sum. The agreement has not went into effect yet as I have not made the XXXX payment when the plan starts. I called yesterday and spoke with someone who was not able to help me so this needs to be escalated. It is in the best interest of US Bank to accept a lump sum payment so it is does not make sense you could not make this happen. Please respond to this immediately as I need to arrange the funds to transfer. 

Loan number XXXX Borrowers : XXXX XXXX and XXXX XXXX ( XXXX XXXX  XXXX ) After denied assistance through XXXX, I filed an appeal and have yet to hear back. XXXX is the last month I can get forbearance assistance on because I reapplied. Here is the appeal I sent to XXXX The deferral agreement I submitted does not go into effect until XXXX. I have notified US Bank to cancel the forbearance deferral and accept the lump sum payment that is past due as of now. I was unaware that applying for a deferral agreement would not make me eligible for this program, but my family really needs this assistance. We are a family of XXXX living on a single income and are the type of household these COVID funds were supposed to help. I have included the latest statement on my mortgage with the appeal they had the past due amount. Please expedite as US bank must receive the funds before my due date to avoid credit reporting and late fees as I am already at the maximum amount of months allowed for COVID forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT BALANCE IS NOT ACCURATE-
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is currently listing a bankruptcy on my personal credit report. They have listed the source of this information as the U.S. Bankruptcy Court of Florida. The U.S. Bankruptcy court was contacted and they responded stating NO information was shared or verified with Transunion. I requested this information be removed from Transunion and they have stated that it was verified through the U.S. Bankruptcy court and it remained on my report. The paperwork attached verifies that the information has not been verified. 

I have attached it stating that the court does not report any filing to the credit agencies nor do they verify or validate such information with the credit agencies.
Product: Debt collection

I did not sign a HIPPA form authorizing this agency Penn Credit Corporation to access my medical records so as that being said the agency violated HIPPA. I sent out a letter asking them to validate the debt and they failure to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint today to inform you that I have been a victim of identity theft. I conducted research on how to remove fraudulent accounts and information from my credit report, and I discovered that I need to visit the Federal Trade Commission ( FTC ) or https : //www.ftc.gov to file a report. According to Section 605b of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are obligated to remove and block any items listed on an identity theft report. Please find the attached documents that will assist in blocking the erroneous information that is being posted on my report. Here is a list of items that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX  XXXX Balance Owed : {$6400.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to Section 605B ( a ) of the FCRA, Credit Reporting Agencies are required to block any information in the file of a consumer that the consumer identifies as resulting from the identity theft within four business days of receiving the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been mailing and faxing information to the credit bureaus to no avail. There are collection accounts that are appearing on my bill that are not my accounts. There were also false addresses in addition to false inquiries on my credit report. I spoke with representatives from all three bureaus. I followed all of the instructions that were given to me by all 3 bureaus. Which included filing a police report, contacting the creditors, and faxing all of the information to Transunion and XXXX and mailing to Transunion. I did exactly what was told and still the collection accounts, false addresses, and inquiries remain on my accounts. At this point Im extremely upset and do not know exactly what to do.
Product: Money transfer, virtual currency, or money service

Complete ( 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 proce 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 these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-wife filed for bankruptcy in I believe, early to XXXX -- we separated in XXXX and divorced in XXXX. Months later I noticed a delinquent account on my credit report to Synchrony Bank for a " Care Credit '' charge account. I contacted Synchrony about this and they claimed I was on the account. I stated I was not, and even my ex-wife states to this day that I was not on the account. When I protested it, Synchrony sent me a claim review letter that stating I was on the account because " Payments have been made by me on this account '' and " The account has been open for more than 12 months with statements sent to you. '' Both are false -- I have never made a payment to this Care Credit account, and I never once received a bill. In fact, the first mail I received from them was that claim waiver, and it was addressed to " XXXX XXXX, '' so they don't even have my proper name and I have never gone by that alias. Also, I have now and in the past had four Synchrony accounts, and have never been late on one of them. Why would I suddenly stop making payments if the account was mine. And, I can see every account with Synchrony with my login online, but yet the Care Credit account does not show there.
Product: Checking or savings account

Around XX/XX/2022 my account was closed after opening it in XXXX suspiciously and I have reached out to the bank multiple times to have them tell me whats going on with my account and they keep telling me that they can not provide me with that information and theyre just gon na close my account and send me my money but whoever they have a send me my money for months and its like theyre all in onto my money and every time I called they dont want to help me or they tell me I cant give you any information you got a wait you got ta wait and its been months waiting my money was taken by Citibank I strongly believe it I have XXXX in my savings account and in my checking accounts XXXX I just really care about getting my money out of my savings I dont even care about my check in because I have XXXX in my savings and it just been holding onto my money
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT PURSUANT TO SECTION 605B. YOU MUST REMOVE THESE FRAUDULENT ACCOUNTS AND INQUIRIES.
Product: Mortgage

I attempted to make 2 payments on or about the XXXX of XX/XX/XXXX. I was advised by my signal point of contact to do a modification, and we agreed to work getting documents together while loan modification package was being generated. 
i did not received the modification package so i called back and they sent it by email XXXX XXXX I then emailed part of the documents XXXX and the remaining documents XXXX. 

i was told i was already approve for the loan mod i only needed to send page 3 of the work packages. They were in continuous conversations we me about the loan modification in spike of THE FEDERAL LAWS against Dual Tracking they place my home in foreclosure .My home is worth {$30000.00} and i only owed XXXX, the unlawfully foreclosed on my home while leading me to believe they were help me with a modification bur instead they created a fraudulent assignment with robo signed denouements. XXXX XXXX of Delaware HAS NO STANDING TO HAVE FORECLOSED ON MY PROPERTY but Shellpoint violated federal law the CFPB which the XXXX XXXX XXXX XXXX XXXX and CONSUMER PROCTION ACT OF 2010 ( DUAL TRACKING I ALSO RECEIVED ANOTHER EMAIL AFTER THEY SOLD MY HOUSE ASKING FOR MORE DOCUMENTS. TO COMPLETE THE LOAN MODIFICATION
Product: Student loan

Navient began servicing my student loans from XXXX a few years ago. Went through a divorce, and financially struggling. Applied for deferment, but was denied. I was told a forbearance would be the ideal plan for me. Navient proceeded to add a sum substantial sum of money to the loan and the interest went up to 20 %. Did not see any of this when hitting the submit button for approval. Since then been paying back a loan and getting know where on the principal of the loan. In two years the balance has not moved. Customer Service difficult to deal with, and feel misled. Now they want me to pay {$300.00} a month starting in XXXX, when I can barley afford the $ XXXX monthly payment now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I HAVE SOMES ADDRESSES ON MY CREDIT REPORT THAT ARE NOT MINE. SOMEONE WAS USING MY NAME AND INFO FOR ACCOUNT THAT DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX