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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$460.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$320.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Citibank is engaging in unlawful, deceptive, & misleading business practices in violation of federal statute New York GBL 349. Citibank markets a Paycheck Protection Program ( PPP ) on a national level. Citibank provides business owners with a list of the required documentation necessary to apply for a PPP loan. Businesses rely on the provided list and submit the required documents. Despite submitting all of the required documentation, Citibank conveniently advises their business clients that they are unable to verify payroll and categorically deny the applications. At the time that businesses contact Citibank by telephone, they are informed that a telephone number for the PPP Department does not exist and that all inquiries should be sent by email. As opposed to its competitor national banks such as XXXX XXXX  XXXX XXXX which both have dedicated PPP Department customer service representatives assisting business clients with PPP applications, Citibank makes it impossible to receive the assistance that businesses not only desperately need to financially survive but also deserve as loyal business clients. Afterall, PPP applications must be submitted to the bank where businesses have accounts. When businesses send emails to the provided email, they receive generic emails which cause immense confusion, aggravation, and unnecessary delays. This is because the email responses do not clarify what, if anything, is missing from files in order to obtain approval. By way of limited example, email responses provide information regarding loan forgiveness which is irrelevant because a PPP loan has not yet even been approved, thus making forgiveness options irrelevant. On another example, email responses provide a telephone number, but the provided phone number is for general Citibank inquiries and the representatives advise that they have no information regarding PPP loans. Yet, on another example, email responses advise businesses to reapply. However, upon re-applying and again submitting all of the required documentation specifically following the required documentation list provided by Citibank, businesses once again receive emails stating, unable to verify payroll. Citibank fails to advise business clients as to the exact resolution measures. Citibanks unlawful, deceptive, & misleading business practices cause tremendous financial issues for businesses attempting their very best to survive during these uncertain times. I respectfully request that the Consumer Financial Protection Bureau investigate Citibanks unlawful business practices and implement penalties accordingly. Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX continue to violate the law and my rights by not properly investigating information that remains on my credit report. According to the 15 U.S. Code 1681- Congressional findings and statement of purpose, the law clearly states.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I deposited a secure check. I was told it was a cashiers check. This was from my new employer. He overnighted me a check to deposit in the amount of {$9500.00}. The next day he asked me to get a cashiers check with that money for {$5500.00} and deposit it into his vendors account at XXXX XXXX so he could purchase office supplies and have them sent to me. On XX/XX/21 I received Notification from Bank of America that my account was negative. 
I contacted my new employer and he said that was impossible for it to not clear and would call his banker. He emailed me and said everything was ok and his office supplies were purchased and there must be something wrong on his part of the bank and would get back to me. He has not returned my calls or txt or email. I called XXXX and they said because I deposited the first check in my account I was at fault here. They said because I purchased the second cashiers check with the money I have to pay it back. I explain the situation to them I told them that I felt I was a victim of fraud here. They confirmed that the original cashiers check for {$9500.00} has been stopped from XXXX XXXX. Which is the bank that the first cashiers check was from my new employer. It was an XXXX firm. XXXX XXXX. The mans name is XXXX XXXX. His business is supposed to be out of XXXX XXXX. He says he lives in XXXX Or now. He said he was originally from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for the COVID relief plan with XXXX  XXXX XXXX and received a total of 6 new late payments being reported to my credit from XXXX. The program was to avoid this. I have sent several emails, left my contact information, and even a previous complaint with CFB. The company responded that it will look into my case but no one returned my calls. Their executive office number they gave me thru this message complaint never returned any phone calls.
Product: Credit card or prepaid card

I used my Barclays Jet Blue Credit Card to pay for a flight from XXXX ( XXXX ) to XXXX XXXX ( XXXX  ) on for a flight on XX/XX/XXXX at XXXX XXXX. I purchased XXXX tickets for my husband and two children on XX/XX/XXXX in the amount of {$680.00} times XXXX. On the date of travel our airplane was never even at the airport. We were delayed XXXX  times and did not take off until around XXXX XXXX. We were not offered any food and kept being told different stories. Due to the significant delay, we had to cancel dinner plans as well as our baseball game. We lost additional money. According to the XXXX website, significant delays can signal a refund particularly if they do not rebook your flight which they told me they couldn't do. So I disputed the charge with the credit company Barclays. Barclays credit card customer service told me in three separate instances that Jet Blue only had XXXX  days to respond to my complaint. If not it would be ruled in my favor as they have not responded. So I received XXXX provisional credits on my credit card. Jet Blue did not respond to them for about XXXX weeks and without notice I was once again charged for those XXXX tickets. Barclays has now said that due to their merchant agreement, services were rendered and merchant is due payment. However, I did not get the services that I paid for and feel that if I had used another credit card the company would look out on my behalf. I can not also believe that I was told by three separate employees that Jet Blue only had XXXX days to respond. I did contact Jet Blue before Barclays but they were only giving everyone a {$150.00} hour despite our flight taking off XXXX hours later.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

file : XXXX XXXX XXXX XXXX  XXXX now XXXX your past due balance with XXXX. Our best-in-class customer service team takes pride in their ability to assist XXXX 's Customers. We have programs and options available if you are struggling to resolve this account. This needs to be resolved soon. To discover your payment options, please visit XXXX XXXX XXXX  or call us at XXXX. Reply STOP to opt-out
Product: Credit reporting or other personal consumer reports

Looking at my credit report I saw late payments on an account that Ive always paid on time. Credit reports are the focal points in todays society and without it the world is doomed, this missed payment is not accurate and I kindly ask for you update this account and remove these late payments from my credit report on the account listed below. 
XXXX XXXX XXXX / XXXX Amount : {$530.00} Account number : XXXX Account Opened : XX/XX/year> b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please provide documentation proving that I was ever late paying on this account if you arent able to provide proof I ask and demand the accounts to be updated with true status of showing on time payments. Ive always paid my accounts on time without delay. Thanks
Product: Mortgage

My alleged loan began after paying XXXX XXXX XXXX XXXX at closing. I spoke to XXXX XXXX and their paid in full. So why would I need a loan from PennyMac for the same amount. I'll make a copy ofmy paid in full letter as my proof.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report. XXXX XXXX XXXX XXXX : {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent hard inquiries on credit report and they want remove them Hard inquiry - XXXX XXXX XXXX   XX/XX/2019 -- -- -- XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA violation Equifax never send back my credit report were disputedXX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Amount of debt {$120.00} : I have disputed with XXXX XXXX, XXXX, sent certified letter to the debt collector ( Eastern Account System ) on XX/XX/19, asking them to verify the debt with my signature and/or provide names and address of person who verified the debt. NO response. 

Eastern Account System just continue to verify as accurate on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputing this account for years and experian keeps updating it as verified. I have contacted the company on numerous occains by mail and they never respond. The date of status is XX/XX/2015, the status is incorrect and most information on the account is not being reported. The account is XXXX  XXXX XXXX/ total card XXXX, please delete this because it can not be verified and experian has refused to provide me with method of verification after numerous requests
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Enhanced Recovery agency. There is a collection on my account that is not mine. I do not live at the address the service was provided and I have not given my ss # or signed a contract for the service they claim I owe. I did apply a security freeze on my account last year when this happened same company XXXX XXXX different collection agency. They need to proof this is my account. I have never had XXXX XXXX. I pay my bills on time and this appeard again like I said under a different collection company. I put a fraud alert on account. I am requesting the company send me proof to my current address of 20 years. I have not recieved anything in the mail. This is simply fraud and I want it removed immediately. The address the XXXX XXXX  was put in was a childhood home. I have not lived there in over 30 years. I disputed with XXXX last year they removed for lack of proof it has appeared again under different collection company and XXXX  has said the company showed it was mine. I would like to see the proof.
Product: Vehicle loan or lease

In XX/XX/2020 I flew to Texas to buy a truck advertised for XXXX tobstart my business. I put XXXX cash down and when it was time to sign I was told I could not get a copy due to system issues. I had never bought a new car so had no idea this wasn't good. 

It took over a month to get the contract and when I did the price was bumped up over XXXX. 

I have tried to resolve this with the company and i had a lawyer send a letter but they never responded. I have been trying to fix this since I found out this was fraudulent but didn't know who to contact. 

It's almost as if I never gave them XXXX. All of my life savings.
Product: Mortgage

Applied for modification due to hardship. Used HUD advisor to apply. 
First app rejected due to having not received a document. App was closed. Reapplied providing a 2nd copy of the document. Date of 2nd app XX/XX/year>, Called on XX/XX/year> to check status, HUD advisor not available. I was not able to reach Mr. Copper with either of my 2 phone numbers. Utilized chat, transferred to loss mitigation. Was that underwriting was reviewing the application. Was told that the special loan processor would call within 48 hours. Ive received no call back. 
I was am not able to reach Mr Cooper since the company has blocked me from calling and not able to use the chat feature. It seems that this company is deliberately preventing my access to them, thus preventing a contact with me, and going to foreclosure. They also refuse to speak with HUD
Product: Debt collection

I recently checked my credit report on XX/XX/XXXXand saw a collection account on my credit that I never had. The collection is from Advance Collection Bureau for  the amount of XXXX. I sent out a certified letter to the company requesting documents proving this was my account such as anything I have sign with them along with a copy of my social and driver license to prove to me that I have in fact had this account. The letter was mailed out via USPS CERTIFIED MAIL on XX/XX/ and it was received and signed for on XX/XX/XXXX In the letter I asked the company to provide me with the requested information within 30 days but they have yet to do so. I have attached all my supporting documents to this complaint.
Product: Credit card

I sent in an early payment last month to Bank Of America ( XXXX checks as XXXX checking accounts are used to pay my bills ). This should have zeroed out the balance on my account. True to form, this was just too complicated for BofA. This payment did not get there in a timely manner so I had to have my bank -- XXXX XXXX XXXX- stop payment on these XXXX checks and I issued XXXX new checks to cover the previous month 's balance and addition charges as I am considering cancelling the credit card. BofA is just too difficult to deal with... XXXX XXXX was only able to stop payment on XXXX check and now BofA claims I owe them the amount of the check that was not stopped. I have already paid that amount and even more with the second set of XXXX checks!!!! BofA will not return my phone calls nor answer my emails! Please help!!! I had a credit of {$1800.00} and now they claim I owe {$780.00}. What a mess!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

improper investigation methods used are resulting in extortion on debts beyond statute being pushed into files, XXXX is refusing to staff company and recieve reports. EXPERIAN is flat out refusing to comply with the law. BOTH NEED TO BE SERVED IMMEADIATELY, as does XXXX, XXXX, and several other ID verification landlord used systems. They buy and resell old and inaccurate data and refuse to remove any of it. This includes inaccurate public records.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$290000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX  XX/XX/year>
Product: Consumer Loan

I have an issue with my XXXX line of credit. I was paying through a joint account that I have with former spouse. We got into it and the Navy Federal account with over the limit. I was in constant contact with Navy Federal, I continued to make payment and the account was finally brought current. Then I called to check the status and was advised it was current but the account was frozen and they are not going to unfreeze it. I was NEVER notified. Had I known this I would have borrowed to bring it current sooner or something and when I call they are rude and unhelpful. Then the tell me that I was notified and I was n't I asked for a supvervisor/manager to listen to every single call and tell me when I was notified and to call me back. I have yet to hear anything aside from reapply. I do n't want to reapply my credit score has tanked because of this, so why would I reapply. Prior to XXXX I aside paid on time. I just want the current XXXX unfrozen.
Product: Vehicle loan or lease

I never drove this car I had the car for maybe XXXX weeks then I returned the car I never got in this car never drove it nothing it sat on the driveway for two weeks then I returned it Im still being billed monthly for this car which was from XXXX and I never drove it Im being billed in XXXX for it I owe approximately {$34000.00} on this car and I never even drove it Im being charged for a car I didnt use and its brining down my credit horrendously
Product: Debt collection

I sent a letter to XXXX XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other documentation.They provided me with billing statements which does not prove I am obligated to pay them anything.Do you have reported delinquent information to credit bureaus that I am asking to be deleted.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

CURRENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crime la which antedates the reports by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate