23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Central Financial Control has numerously told my mother from beginning that they wanted to be paid in full, my mother has sent monthly payments which they process but constantly tell her that they want full pay of debt or that they will ruin her credit or take her to court. My mother has increased payments explaining to them she cant afford to pay off debt in one installment to which this collection agency continues to threaten my mother with ruining her credit and or take her to court. They will not stop threatening her on phone calls or letters demanding full payment or a monthly amount my mother can not afford as she only works part time.
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 the credit bureaus 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 remove these files. 

XXXX XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

To whom this may concern, I want to submit a complaint against Bank of America. I was totally mislead with the Forbearance due to Covid 19. In XX/XX/XXXX I was laid off due to the closing of my work. I immediately contacted Bank of America about my monthly house payment. I was told to go online and apply for a forbearance which I did. Before I did, I asked Bank of America many questions about this process, I was told not to worry, I would not lose my house, things would be worked out at the end and there were three options which they went over with me.

Option one, Pay off the balance owed at time of ending the forbearance. 
Option 2, Put the balanced owed on the end of the loan.

Option 3, Set up a payment plan to pay off money owed.

After three months of not getting called back to my job I applied for three more months which I went over the details again with Bank of America and was told not to worry. I continued this process for the 18 months as, I was never called back to work. I have just gotten a job in XX/XX/XXXX. The forbearance ended XX/XX/XXXX. I was contacted by Bank of America, and I started the process of a loan modification. After months of sending in paperwork after paperwork after paperwork. I was contacted weekly, and I also contacted them to keep up with the process. Every time Bank of America needed more information it was sent in that day or the very next morning. I was contacted Wednesday, XX/XX/XXXX and told that the loan modification will not go through, and I now have three options to go into : Foreclosure, a short sale or a deed in lieu. I have been totally sick to my stomach over this, as I dont want to lose my house and I was told every three months on the phone having to do another forbearance I would not lose my home and things would be worked out. 
I have been totally misled. I feel like I have been taken advantage of and they want my home. Not caring at all about working this out with me keeping my home. I hope and pray that someone can help me as I dont want to be homeless. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am begging and pleading for some help. 
Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recall any of these inquiries to below and had already filed an identity theft report. 

XXXX XXXX XXXX TESLA FINANC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TESLA FINANC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I used XXXX XXXX to check my consumer report on two separate occasions, I noticed a transaction was placed on my report and shortly after was deleted. this goes against the fair credit reporting act because as it stands, information furnished to any consumer report must be accurate and I understand I was violated and as a result was damaged. the information was deleted showing me XXXX XXXX allowed inaccurate information to be furnished initially. and admitted to their fault by deleting the account.
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 cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their resolution process was unfair and deceptive which violates EFTA and regulation E. These actions have caused financial loss and I seek appropriate redress.
Product: Mortgage

In XXXX I took out a mortgage with Carrington Mortgage Services. In XXXX, when Covid lockdowns happened, I was concerned about being able to pay my mortgage in the event that my XXXX checks got held up by the XXXX XXXX XXXX put me in forbearance without any consent from me. When I told them I wanted off of it they told me I had to make a payment by XX/XX/XXXX, or I would be charged for all four months of payments. I sent a cashier 's check early. They rejected the payment because it was OVER by one cent. They then immediately told me I had to come up with four mortgage payments and threatened to foreclose on my house. I was forced to borrow money from a friend to prevent foreclosure but the bad credit remains. Carrington 's actions were predatory in every way. There were harassing phone calls and when I called them they made it impossible to speak to anyone who could " access my file ''. They arbitrarily rejected payments made in good faith because they could make more money by collecting bad debt or foreclosing. The second-and third-order effects of Carrington 's bad acts are that my credit is severely damaged, not just with them, but with all of the creditors I have struggled to pay as a result of their bad acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. This creditor has violated my rights. 
under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account information without my written instructions. Under 15 USC 's 1666b a creditor may not treat a payment under an open consumer credit plan as late for any purpose. 

TD Bank Card Late Payment Reported on XX/XX/2020 XXXX
Product: Credit card or prepaid card

Received a new card in the mail that required activation. Started trying to activate this new card in XXXX. The card will not activate to make purchases. Have called the company numerous times. A ticket was finally submitted for review and should have been resolved on XXXX. It's XXXX and it's still not resolved. Called again today and was told they would submit another ticket which would then take another 10 days to resolved. 

Asked to speak to a supervisor, shockingly no one was available. Card is still not activated for purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
94
Product: Checking or savings account

On XX/XX/2018, a fraudulent chase quickpay payment for roughly {$780.00} was attempted which caused Chase Bank to automatically freeze my account. I went into the branch the next day and transferred everything over to a new checking account. While I was there they noticed another fraudulent quickpay payment went through my " frozen '' account for {$780.00} ( almost exactly the same amount as the charge that originally froze my account ). I submitted a dispute and over a month later Chase responded by stating that the charge was authorized and that the money will be removed from my account. 

I immediately phoned the Chase claims department and talked to two different representatives who stated there is nothing that I can do as it was deemed an authorized charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH, XXXX. I have attached my proof of ID. I do not live at the following addresses : 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, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Product: Student loan

I sent a dispute/goodwill adjustment letter about my 90 day late payments from my student loans due to not understanding my loans coming out of deferment and my fiance becoming XXXX. My loans show up as 4 separate loans and it didn't make sense to consolidate. So I now have four 90 day late payments on my report which brought my credit score down over 200pts. I have since found a career in the XXXX  field that I originally borrowed the student loans for and with the birth of my XXXX XXXX ... I am now trying to get approved for a morgage. I wrote a letter explaining my hardships with a copy of my daughter 's birth certificate, asking for my 90 day late payments to be removed. I offered to set up automatic payments. I would be happy if they merely just removed ONE of the late payments from my 4 loans. Student loans have made it impossible to secure a future for myself and family. When I called to check the status, I was advised it was denied because the information is accurate. I want my children to grow up and go to college and establish careers without the worry of an honest mistake ruining any chance they have of the All American Dream of home ownership and security. I am not asking to have my late payments to be completely wiped away ... but some sort of compassion now that I am out of school ... advancing in my career and embracing fatherhood!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report. According to my credit report, the following accounts are listed as negative items : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX  XXXX Late Payment Account XXXX XXXX XXXXXXXX XXXX Late Payment Account Medical XXXX Collection Account XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Charge Off Account XXXX  XXXX XXXX  XXXX XXXX XXXX Collection Account I dispute these items as inaccurate and not reflective of my creditworthiness. I believe that the information on my credit report is incorrect and unfairly damaging my credit score. I request that you investigate these items and remove them from my credit report if they are found to be inaccurate. 

I would also like to remind you that the Fair Credit Reporting Act ( FCRA ) requires credit bureaus to report only accurate and complete information. If the items I am disputing are found to be inaccurate, incomplete, or unverifiable, I expect them to be removed from my credit report immediately. 

LAWA : Fair Credit Reporting Act ( FCRA ) Thank you for your attention to this matter. 

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

The Dividend Finance, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX processed a loan prequalification application that I did not request or approve. They also ran my credit score and notified me via email that I my application for a loan had been approved. Again I have never heard of Dividend Finance. The company did talk to regarding the potential acquisition of a solar system for my home was Pure Energy, at no time did I agree to a loan application or any intention in purchasing a system via any loan process, I was merely seeking information regarding a " no cost " solar system using a Texas Incentive program. 

My complaint is the simple fact a financial institution operating in the US used my personal information received from a third party of which I did not give anyone the authorization to use for an application to obtain money from a lending institution. I did speak to a Dividend Finance person on the phone and they admitted that they ran a loan application with my information from Pure Energy but they could not produce any authorization from me for this action or to run my credit score without my permission.
Product: Debt collection

Someone in XXXX Texas is still using my social security to open accounts, even after i already submitted reports, to F.T.C., Id theft.gov and called the companies where accounts were open ... .. only thing I didnt do was a police report until now ... ... ..made report and submitted in XXXX Nv ... ... XXXXall this has started since XXXX 2019 this last one is with Discount Power; used my SS # but added his name .... 
That should of been a RED FLAG : : : : : acct closed from last week... Talk to Fraud Rep. today and she want me to send an email to A R Operations U S Retailer Energy.com Case # and FTC case # sent to her..dont have yet FTC #
Product: Credit card or prepaid card

Citibank makes error after error with my card and I get the fines and fees from their mistakes. 
In XX/XX/XXXX Citicard cancelled my credit card AGAIN due to an incompetence of one of their agents. It took a month for them to replace my card, but in the meantime, my car insurance, dive insurance, internet and XXXX accounts were cancelled. They kept lying to me on the phone and telling me that the new card would be sent via overnight mail to me when I was traveling for two weeks ... They outright LIED! They never mailed the card until after a month at my home address. 

In the meantime, I could not sign up again for the above accounts since I didn't know the new card number. Rather than tell me, the agents kept lying and saying that the card would arrive the next day. 

Now once again, since Citi has cancelled my card numerous times due to their own problems ... .hackers, mistakes, always another excuse ... .I have fines for my XXXX, and my XXXX has gone from {$19.00} to {$49.00} ... I had to keep getting delay waivers for my car insurance and I didn't have dive insurance. 

I have tried to call and write to XXXX numerous times. I get recorded messages at the exectutive escalations numbers, and when I called the regular number and reached XXXX, after putting me on hold for ten minutes, the call was dropped. I tried to log in ..on the phone app there is no way to write, and on the website, I was locked out for " invalid attempts '' with the incorrect password when my password is allegedly saved. So there is no way to contact Citi. I left voicemail messages for XXXX at the escalations department. 

I want the {$85.00} annual fee removed as I was told I would not pay after all of this nonsense, I want the {$10.00} in erroneous interest fees waved, and I want credits for the {$26.00} and {$60.00} overcharges I got for XXXX and XXXX due to Citi cancelling my card and not giving me the new card number to fix my autopays. 

Citi needs to be monitored for allowing so many errors to take place in their company on such a frequent basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2018 and XX/XX/2018, your RECEIVABLE collections account was removed from your credit report. 

This account was removed and re-inserted ... I was not notified ... and this is violation of F.C.R.A. law, litigation will follow, because original creditor ( XXXX ) stated that they did not verify, and a debt can not be collected twice ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting I have an account with them and I have never had an account with them. 

Citicard Cbna has an account on my credit and I have never had an account with them. 

XXXX XXXX has an account on my credit and I have never had an account with them.
Product: Credit reporting or other personal consumer reports

Even though I already froze my credit due to another case of credit card fraud, I noticed two more hard inquiries on my credit report. I called both credit card companies ( capital one and XXXX XXXX ), XXXX XXXX said that there were no accounts opened but capital one said that there was a card opened and that they already spent over {$1000.00}. I genuinely do not know how this is possible because my credit is frozen.
Product: Debt collection

I have been attempting to resolve a debt with Calvary Portfolio for a while. I do not know what this debt is for. I previously sent a few request to this debt buyer requesting they provide me with a contract or documentation bearing my signature showing what I agreed to, the terms and conditions involved, and when I entered into this alleged agreeemnt. To date this company has intentionally negated my very specific request. They provided me with a letter offering sympathy for a payment plan and one print out of what is supposed to be an alleged debt. There is no signature and the file of evidence is incomplete.
Product: Mortgage

I was transfer to a new mortgage company. 
In XXXX I was told I was negative {$6500.00} in escrow. I dont understand how that can be. Now XXXX Im told Im {$18000.00} negative in escrow. I need help to see why this is. 

This company says they have to pay XXXX XXXX {$8000.00} but I checked the county website and it only states {$4000.00}. 

Mortgage company is mr cooper
Product: Debt collection

CCS Collections at XXXX XXXX XXXX, XXXX MA XXXX has been sending me collection notices in the amount of {$84.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have looked into my credit report and I have some concerning issues considering the information being reported in my credit report. I have looked into the Fair Credit Reporting Act and I have to question some of what it is I am seeing being reported in my name. This account was paid and I was told by the owner of the company that it would be deleted from my credit report. It is still showing and its affecting my credit and needs to be removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to remove the following accounts that do not belong to me. I did not open these accounts they were opened without my knowledge. XXXX XXXX XXXX XXXXXXXX # XXXX is not my account and was opened without my knowledge or consent. 
XXXX XXXX, reporting late payments and the account is not mine it was opened without my consent. XXXX XXXX XXXX XXXX is not my account and i didn't open the card. XXXX XXXX XXXX is not my loan My identity has been stolen also showing late payments up to 120 days. They have 15 inquires that i have been disputing since i saw them on my report and they refuse to remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are just examples but i have told them multiple time my identity was stolen. The also have a name on my report saying also known as XXXX XXXX. I am a girl this is ridiculous. They are reporting late payments as well which is illegal for multiple accounts. I have attempted to get them to update the information they are reporting but its to no avail. Please help my Identity was stolen and this bureau has not attempted to help me at all. 
XXXX XXXX CREDIT BUREAU IS REPORTING SOME OF THE SAME FRAUDLANT ACCOUNTS THAT I DID NOT OPEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they even have a collection for a medical bill form commonwlth fin They are also reporting 13 inquires that are not mine. ALL 13 inquires are not mine. 
EQUIFAX CREDIT BUREAU Is report even old addresses, XXXX XXXX XXXX XXXX XXXX XXXX is not my address and never has been XXXX XXXX XXXX XXXX, They also have late payments from student loans which is illegal, XXXX XXXX XXXX XXXX WHICH IS NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND they have 12 inquires in my report that are not mine as well. They have collections as well. 
Please have all the Credit bureaus to delete these accounts that were opened fraudulently and the address/names and inquires that are not mine as well. 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 fact therefore exists. 
This false information needs to be removed immediately or they will each pay per day they have the false information on my credit reprot. I will also be suing for defamation of character. XXXX XXXX, Equifax and XXXX Have now been given notice to remove the information on XXXX The information must me removed before 30 days.