23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX, I ported out my XXXX line. Since another user on the account wanted to stay with XXXX, I requested that XXXX transfer account ownership to his number ending in XXXX, which they did. I was assured by XXXX customer service that I had no outstanding balance and that the ownership transfer was complete. As a result, I no longer had any ties to the account and was free to switch carriers. 

However, in XX/XX/year>, I received a call from a collection agency, XXXX XXXX XXXX, claiming I owed {$600.00} in phone charges to XXXX  for the past XXXX months. I also received a letter from the collector stating the same thing. Over the XXXX months since I ported out, XXXX never contacted me, and since I no longer had access to the account, I couldnt verify any details with them. The user with the XXXX number had become the primary account holder immediately after the transfer and subsequently closed the account. Now, XXXX is demanding that I pay the outstanding bill associated with the XXXX number. 

When I contacted XXXX to resolve the issue, they refused to provide any information, stating that I was no longer the account owner and would need to deal with the collection agency. However, when I contacted XXXX XXXX XXXX, they were unable to provide any details either, simply stating that XXXX claimed I owed the amount. As of XX/XX/year>, the collection agency has placed this debt on my credit report, affecting all three credit bureaus, in an attempt to force me to pay. 

Since XXXX, neither XXXX nor the collection agency has contacted me to explain or resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my first set of disputes for inquiries to the bureaus on XX/XX/XXXX. I gave them the XXXX days legally allowed and never got an answer from any of the bureaus. I sent a second set of disputes through certified mail on XX/XX/XXXX to track the delivery of the letters, they were all delivered as you can see through the attachments, but I still have not received a response from the bureaus. I just sent my 3rd set of disputes to the bureaus yesterday, XX/XX/XXXX through certified mail again, HOPING for something this time.
Product: Checking or savings account

I sent a wire transfer of {$930.00} from my XXXX account to my Cashapp account on XX/XX/2023 at XXXX XXXX. I did not know of the maximum 2 wire transfers a week rule, so this was the 3rd one and it was declined by Cashapp on XX/XX/2023 at XXXXXXXX XXXX Cashapp informed me that it actually declined the next day XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  and that within 48 hours it would be sent back to the bank the wire originated from. That would put it sent back no later than Friday XX/XX/XXXX at XXXXXXXX XXXX, it never showed up. I talked to my XXXXXXXX XXXX first and they verified it had not been sent yet late Friday afternoon. They told me to ask Cashapp for documentation showing they sent the wire back and Cashapp refuses to provide me with this documentation. I've talked to numerous " customer support agents '' and none have helped me a bit. They just give me the same regurgitated information saying it will be sent back in 48 hours, we are way past that now. Cashapp refuses to help me in this matter and that is why I am writing this complaint.
Product: Credit card or prepaid card

This morning ( XX/XX/XXXX ) I contacted Citi BankXXXX to inquire about my XXXX rewards check I should be receiving. They immediately told me I would not be receiving the rewards check since I was enrolled in a debt management program and my card was closed. I asked to speak to a manager and explained that before enrolling in the program I called a couple of times to confirm that I would still be receiving my XXXX rewards check even though the account was closing and they very clearly confirmed that was correct. However they did want me to understand that I would not be receiving any more reward points in addition to the points I already had since the card was going to e closed and not being used which made perfect sense me. The reason for this complaint and what is not okay with me is being lied to that now all my rewards are gone/forfeited when I was assured that I would be receiving the check. I wouldn't have enrolled in the program right away if I would have been told that as to avoid losing the certificate when it was just a few months out from distribution. The manager explained they would issue a credit to my account for what the certificate amount was for however that is unacceptable because that does not provide the money to me immediately for the benefit. In addition having a credit does not benefit me immediately since I am not able to use the card since it is closed. The manager stated this information was in the terms/conditions and I explained to him this was NEVER communicated to me in any term or condition nor was I provided any paperwork stating this and or agreeing to it. It is unacceptable ultimately in the communication I was provided and that it was confirmed I would be receiving the check in which I am needing to have resolution on this.
Product: Credit reporting or other personal consumer reports

I have filed a dispute with all three credit reporting agency requesting them to remove the more than XXXX XXXX late notice by XXXXXXXX XXXX. XXXX has yet to send me a copy of my account ledger to date or respond to my previous dispute and or complaint with the CFPB. I am not sure if the bureau understand my dispute. I will try once again to explain the error or wrongdoing by XXXX XXXX. XXXX reported that my account with them is more than 120 days late. The time period they are referencing falls doing the time when this account was in Bankruptcy. I filed a XXXX  XXXX bankruptcy XX/XX/XXXX and was given a 48 month repayment plan. I successfully completed this plan and was given a discharge in XXXX of XXXX. Ally financial was included in this bankruptcy and all plan obligations and payments were met and I was given a discharge. I continue even through my bankruptcy to make payments as agreed. Once my bankruptcy was closed and XXXX. XXXX XXXX reported that my account was late more than 120 days. They can't do this. This is in violation of the bankruptcy laws. I have spoken to Maryland XXXX XXXX who advise me to file these disputes. Both time the dispute come back and the credit bureau changes wording or remarks to my credit report but doesn't remove the XXXX late that is still showing on my credit. I successfully completed my bankruptcy and been making all my payments to my creditors on time. My credit score has gone up as a result. NOW my credit score has gone down tremendously because of this reporting. They couldn't report my account late because I was in bankruptcy and they sure can't report it now because those months I was clearly in a active bankruptcy this is a violation of the bankruptcy laws. Please refer to the documents I already submitted it my previous dispute and now my bank receipts showing payments being made to XXXX even during the bankruptcy I couldn't be XXXX days late. This time period would be while I was in a active bankruptcy and payments were made therefore they can't report this. This is illegal.
Product: Mortgage

Early XX/XX/2021 I applied to my mortgage company for a refi and I submitted an application online as instructed. I informed my loan officer who acknowledged my message and said he'd look into it. I reached out several times to him and received no response concerning the refi status and I didn't receive a letter concerning status either. I called the mortgage company and they kept giving me to the same loan officer. My credit was pulled and its been over a year and I still haven't received any feedback or information from my mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok I have never missed a payment on anything but my credit score drops when I accumulate some cc debt. I always pay my bill and more than the minimum. My dad has the exact same name so I think I have millions of dollars out there but all paid? why would my credit drop
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has XXXX my rights. Or 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 XXXX 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: Payday loan, title loan, or personal loan

In XX/XX/XXXX I took out a loan with trust for {$2000.00} with the agreed amount to be paid back would be {$2600.00} if paid back on XX/XX/XXXX ( please keep in mind I have borrowed from blue trust loans before many times and have never missed a payment and paid the loans off quickly. ) On XX/XX/XXXX I paid {$730.00} on the loan and then asked if I pay the loan off on XX/XX/XXXX how much will I have to pay I was told {$1900.00}. On XX/XX/XXXX I called and was told I would have to pay {$2600.00} to pay the the loan off in full, I proceeded to ask why is there a {$700.00} fee after I just made a payment they said the loan increased by the day I proceeded to say that this not right and asked for a supervisor the guy then preceeded to tell me I just didn't understand was put on hold so he could get one, I hung up the phone after waiting for a while with no answer.
Product: Credit reporting or other personal consumer reports

Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete these immediately in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion XXXX  for failing to correct an inaccurate eviction record on my rental screening report, despite clear evidence that it should have been removed. 
I disputed an incorrect eviction record, and XXXX, the third-party verification company, confirmed in writing on XX/XX/year>, that the record was removed. 
XXXX sent the updated report to TransUnion twice, most recently on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX 
Despite this, TransUnion refuses to update my rental report, falsely claiming they never received the correction. 
I have resubmitted my dispute multiple times and received email confirmation from TransUnion that they received my documents, yet they still will not correct my report. 
TransUnion is unlawfully forcing me to file a new dispute, which is a violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ). 

How This Has Harmed Me : I have been denied housing because of this false eviction record. 
This has caused me emotional distress and financial hardship due to delays in securing housing. 

What I Want : TransUnion must immediately remove the inaccurate eviction record. 
They must provide written confirmation that my report has been corrected. 
I seek compensation for the stress and financial harm caused by this issue. 

TransUnion is in clear violation of the FCRA, and I request urgent intervention from the CFPB.
Product: Bank account or service

Huntington Bank is refusing to produce the records requested by a subpoena dated XXXX XXXX, 2015, for copies of specific documents from an IRA account for a deceased account holder. It appears Huntington Bank issued checks to the wrong beneficiaries on the IRA account of concern. Huntington Bank personnel indicated they disbursed beneficiary checks to XXXX ( XXXX ) individuals and they provided the names of those individuals ( XXXX sisters and XXXX nieces of the deceased account holder ). A Huntington Bank document in my possession indicates there was only XXXX ( XXXX ) primary beneficiary ( XXXX of the sisters of the deceased ) and XXXX secondary beneficiaries listed on the beneficiary document. The beneficiary document indicates that secondary beneficiaries are not supposed to inherit any monies unless all primary beneficiaries are deceased. The primary beneficiary is alive. On the document we possess it is noted that the primary beneficiary is supposed to receive 25 % of the account funds. Therefore, the remaining 75 % of the account funds are supposed to be probated ( or distributed via a settlement between the parties ). I am a probate beneficiary and I also am acting on behalf of the other probate beneficiaries for this account. Huntington Bank is also refusing to provide our attorney, me, and the primary beneficiary with the requested documents. Huntington Bank 's failure to comply with the subpoena is creating additional stress, attorney fees and expenses for me and the other beneficiaries, as well as causing a serious delay in the resolution of this probate estate matter and further duress by this delay. Huntington Bank needs to provide copies of actual requested documents to our attorney immediately. If Huntington Bank is not able to provide copies of actual documents matching the distribution made by their agents, Huntington Bank needs to request that their insurance company restore the funds to the IRA account and await further instructions from our attorney regarding the proper distribution of the beneficiary funds. Also, Huntington Bank billed our attorney {$16.00} for sending our attorney a letter with the information improperly provided ; the subpoena requested copies of actual documents and not someone 's typed interpretation of those documents ; Huntington Bank needs to reimburse me for that charge ( passed on to me by our attorney ). Huntington Bank will also need to reimburse me for all attorney fees, legal fees, expenses and court costs created by their mistakes and improper delay of this case. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for credit and upon a pull of my consumer credit report was denied due to a charge off which is listed in error. XXXX XXXX  a former creditor of mine continues to report an old account on my report despite the account being written off as bad debt. Since the count is written off as a loss it counts as a write-off for the bank and as ordinary income for me ; however, the bank has not provided me with a form 1099C so that I may file taxes against this additional income. Instead that continue to report the account as charged off on a monthly basis ( which is inaccurate as well because it was only charged off XXXX  time and therefore should only be reported once ) they also report it as having a past due balance which is all inaccurate because the balance should be XXXX since they have forfeited their right to collect the debt as a charge off. Given the above, this item should be deleted from my report as it is inaccurate. I have made attempts to request a 1099C from the bank and have not gotten a response ; however, the fact still remains that with or without that form this entire item is inaccurate for the reasons stated above. Deletion from the three major credit bureaus is hereby requested.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX 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 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 XXXX 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
Product: Debt collection

This is a complaint from  XXXX   XXXX  again st TD Ba nk, because it is trying to collect from a person that does not owe the debt. Specifically , TD Ba nk continues to report this debt on  XXXX   XXXX  's credit report, despite being shown evidence that he does not owe it. The true obligated party for the debt alleged is  XXXX   XXXX .  XXXX   XXXX  managed the business at the time, but did not assume any personal obligation for the loan.     Evidence that  XXXX   XXXX  did not owe the debt was provided in a  XXXX   XXXX ,   XXXX   letter to TD Bank  (  attached as exhibit #  ). Th e letter further requested that TD Bank either provide evidence that  XXXX  has a personal obligation to the debt or remove it from his credit report. TD Bank did not respond to this letter, nor remove the item from  XXXX   XXXX  credit report.     Because of TD Banks non-response, disputes were filed to the credit bureaus. Each bureau responded that TD Bank replied to the dispute and verified that the debt alleged and reported was valid. A copy of the dispute reports are attached  )   XXXX   XXXX  is not personally responsible for  XXXX   XXXX  debt. TD Bank is actively ignoring requests for removal -- It is unfair, abusive and deceptive that TD Bank continues to give no proof of its claims while it negatively reports on  XXXX   XXXX  credit reports. Reports of unpaid debts of this size are extremely harmful to a perso ns credit score. As a r esult of this negative reporting,  XXXX   XXXX  has been unable to qualify for lending and refinancing opportunities.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are late though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

For the past several months, I have been disputing several inaccuracies that are Listed in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as : -capitol XXXX account ending XXXX ( they are saying late on XX/XX/XXXX and XX/XX/XXXX which was for another account which were open on XX/XX/XXXX ( never receive a statement for that account until I contact them ), the account ending XXXX was receive less than 1 year ago??? 
-XXXX : I was never late ( send a letter to XXXX for my statement and all details and they never reply?? )
Product: Vehicle loan or lease

XXXX XXXX XXXX, Chase Auto, has a legal requirement to provide me, the lessee, a POA for registration of leased vehicle out of state. This is required by the State of Florida in order to have the vehicle registered to me and receive a license plate. XXXX XXXX hasn't provided it to me within the legally required period of 30 days. As a result, my car hasn't been legally able to be driven for almost 6 weeks.
Product: Checking or savings account

I opened online banking and noticed PayPal was ripping off my money {$14.00} bucks here {$8.00} There and did this several times. I'm working with my credit union to get my money back but can only go back 90 days. And there is money stolen before 90 days. When I asked PayPal for help in the resolution center, they brushed me of with some AI program. All responses started with we know how you fell ... But all acted like it's my fault verify your account. They stole my money. I want my money back.
Product: Debt collection

On XX/XX/XXXX, I received a letter from " Weltman , Weinberg & Reis Co., LPA '' on behalf of XXXX XXXX XXXX stating that a person named XXXX XXXX, who lives at XXXX XXXX XXXX, XXXX, CA XXXX, owes a balance of {$4100.00}. My name is XXXX XXXX, but I live in Kentucky and I have never taken a loan out from XXXX XXXX XXXX or ever even been to California. The letter states that I need to return an " Affadavit of Fraud '' to their office stating that I am not the same XXXX XXXX that owes this debt. Furthermore, I called " Weltman , Weinberg & Reis Co., LPA '' and over the phone one of their representatives confirmed that my birthday and social security number do no match the person who owes this debt, yet they still on insisting that I use my valuabe time to return the affadavit.