23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I want to report a fraud of an unauthorized transaction that was sent from my bank account {$300.00} were sent from my account to a company who turned out to be a scam taking only XXXX payments as a way to keep the money they will not refund the money or give it back despite it being a mistake. After realizing this I contacted my bank who said they cant do anything despite me telling them that someone send money from my account without my permission.
Product: Debt collection

Company has failed to follow through with just removing this account from collections even after it was originally stated that this was an identity theft issue -- I did attempt a few payments ; and still nothing has adjusted or been completely removed. 

I would like this entire account to be removed from my credit report immediately so I can move on.
Product: Credit reporting or other personal consumer reports

My account with 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 ( MONTHS REPORTING LATE ) 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 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: Credit reporting or other personal consumer reports

Today XXXX I went to a XXXX  branch in XXXX XXXX XXXX Florida and was told there is an existing account from years ago with bb & t that I had shared with my mother and I was told by truist employee the account relationship has ended and viewed by the a bank analyst the entire explanation was very confusing and unclear so I pray the fraud department can figure out the situation and I cant make an account with truist because of it and I want to know what else is on my credit report and I want to fix any issues so I can an open a regular physical bank account because chime isnt excepted as payment in certain transactions circumstances anymore.

P.s I dont have any idea or information from the bb & t account I shared years ago with my mother
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I obtained a vehicle loan from XXXX XXXX XXXX ; the payment term was {$900.00} due the XXXX of the month ; The vehicle was totaled on XX/XX/XXXX but I still made my XX/XX/XXXX payment ; XX/XX/XXXX Insurance company sent payment in for settlement as well as I made my regular monthly payment XX/XX/XXXX because I didnt know the insurance had paid already Account is reported to bureaus as reviewed 3 months ( XXXX, XXXX and XXXX ) I made down payment in XXXX, monthly payment in XXXX and also Insurance paid in XXXX as well as my monthly payment was made in XXXX ; This company reported this to my credit report in XXXX as a charge off with major derogatory taking place in XXXX of XXXX ( month where 2 payments was made ) I have challenged this incorrect information as it violates my rights under USC 15 1681 FCRA and FDCP act because incorrect information is being reported to my credit file and damaging my ratings ; This account was never derogatory
Product: Money transfer, virtual currency, or money service

I am filing a complay yainst Cash App ( BlockKic. ( De to de qua 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 process, a ivas unfair and deceptive, as they Oit7 not KN 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: Debt collection

Bay Area Receivables has failed to provide any and all information I have asked for such as signed contracts or information proving the debts are mine and what they are for. I have sent several letters to po box and street address by regular mail and certified mail but the chose to be silent to my request. I have also ask the 3 bureaus to investigate and they say Bay Area said it was vallate without proof. It is my right to have proof or have it removed and the have been very nasty to me and others. I have been asking for years and the last 90 days I have insisted they show me proof. If they validate this with the bureaus they need a release from me as they are a 3rd party bully. XXXX has 20 account, while XXXX reports 8 as most have been deleted due to misinformation, and XXXX reports 40 accounts and I never got anything on these alleged accounts.
Product: Debt collection

I never got plastic surgery or any medical procedure with credit from cherry technologies Ive been over seas serving my country I came back and realized someone stole my identity and took out credit with cherry technologies I submitted police reports to cherry and ftc reports and they still have. Destroyed my credit and continue to make me responsible for the fraud debt its not mine
Product: Credit reporting or other personal consumer reports

Re : Account Number : XXXX XXXX To Whom It May Concern : I am writing to dispute the XXXX XXXX XXXX, account number XXXX XXXXXXXX, listed on my credit report. I believe this account is fraudulent and does not belong to me. 

I have been informed by external debt collectors that all collection efforts on this account have ceased. As this account is not mine, it should not be appearing on my credit report. The continued reporting of this inaccurate information is causing harm to my credit standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. The FCRA requires that you investigate and correct or delete inaccurate, incomplete, or unverifiable information.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I saw offers on my XXXX XXXX account for a personal loan. I decided to go with Prosper because I was Pre-approved. After submitting the requested information, my Social Security number included, I was Approved with a {$100.00} decrease from the initial monthly payment. As expected, I knew my credit score was going to be affected because that was the only way the lender would be able to approve me. The company could see my excellent credit score and my on-time payments. The next section was to submit a bank account information that I will like my funds to be added to. This part did NOT state that the bank had to be a specific bank with a certain amount of funds in the bank. I used a bank that I had little funds in the account and after submitting the information, I was kicked out of the site and received an email stating that my application was cancelled. I immediately called customer service and all they said was that my account is locked for 90 days and check in my messages for the reason. The reason was due to " not have accounts on my credit report opened for a long period of time. '' Along, with other reasons. However, the lender saw my credit report BEFORE I was approved. After speaking with customer service, I was only told they would submit a request to remove the hard inquiry. On XX/XX/year>, I received an email from XXXX XXXX informing to accept the offer with the EXACT amount AND monthly decrease payment Prosper APPROVED me for. I called customer service again and was left discouraged once again. I expressed my disappointment to the company and how it was misleading and made no sense why I kept receiving the offer if I was denied due to what was on my " credit reports. '' I also informed them that this will hinder my chances with other potential lenders due to the drop of my credit score. The removal will take up to 30-60 days to post, but I am in need of a personal loan now. This is my very first time seeking a personal loan I've never been so discouraged in my life. On XX/XX/year>, I received the SAME email... .accept the offer. You've been APPROVED with the EXACT amount and monthly payments
Product: Debt collection

Debt was paid in bankruptcy which I filed in XXXX. I have spoken with the Clerk at the bankruptcy Court where I filed and she informed this debt was " Paid in full '' before the bankruptcy was dismissed in XXXX. I have informed Ally Financial of this and I have faxed the information showing " Paid in full '' to them which was provided to me by the bankruptcy Court.
Product: Checking or savings account

i made a deposit on  XXXX / XXXX /  XXXX   for  XXXX  my bank put a hold wo notifying me in writing or verbally and then extedned the hold so the check has been on hold for weeks and i filed a complaint with the office of the chairman the lady called me was acting  dumb  and rude and telling me the bank the check was drawn on has not paid them and i told her otherwise she accused me of lying and told me to go back where i came from, i got proof the check was cashed and the bank was paid and they still have a hold and there refusing to release my money i bebelieve its because im  XXXX  bc the lady told me to go back where i came from, i need help i need my money released, this bank is commiting fraud and illegal activity, she also claimed its bc the check is not in the same name as account will thats  XXXX  they accepted the deposit and i have a check cashing license and this check belongs to my llc for the property for this same business and its a new excuse everytime enclosed you will find proof this bank is commiting fruad they where paid the next day for this check there using my money and holding my money wo paying interest and i had retured credit card payment fees that i paid from this checking acct they returned and charged me and they charged me im out like  XXXX  plus  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX XXXX XXXX had fraudulently pulled from my Credit Report from XXXX and it has dinged my scored, yet tried to mediate the situation, but to no avail. Then, on XX/XX/XXXX, XXXX XXXX / XXXX had also did such action. Finally on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX has also used my information without knowledge. No one has access to my information.
Product: Credit reporting or other personal consumer reports

Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit Account number XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX pay {$350.00} on my credit card then I was told since I paid after my due date that it was more than enough to cover XXXX and XXXX then on XX/XX/year> an XXXX late payment was added to my credit report XXXX XXXX XXXX and XXXX the credit card company that is Celtic Bank/ will not remove the late payment there is no live person to talk to about this if the late payment was in XXXX why did they wait till XXXX to report it now I found out it wasnt the payment they reported it was some late fees that they never told me I had
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I applied online for a consolidation loan from BHG. It was denied, and no reason was given. The website promised to send a letter detailing the reason ( s ), but I never received one. On XX/XX/year>, I text-messaged two numbers I was provided by another customer. I asked for the reason for denial and to inquire about a lesser dollar amount. This text was ignored. On XX/XX/year>, someone from BHG called me- not in response to a text, but rather as an automated follow-up. We discovered that the initial denial had been caused by a credit freeze I had initiated. I logged in to my account at XXXX XXXX removed the freeze, and the BHG representative walked me through the process again. This time it took 24 hours and I was denied. I received an email telling me that I was denied, but no reasons. I responded to the email using the address of the representative, which I know is monitored. As of today, I still have received no responses and no letters.
Product: Debt collection

Citibank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
2.XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
4XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
5XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
6.XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was charged {$150.00} for an ATM withdrawal fee on XX/XX/2019. Chase Bank 's policy for Sapphire checking customers is to reimburse ATM fees. The receipt I provided to the bank clearly states the transaction was initiated on an ATM, was a debit transaction, and a fee of {$150.00} was charged. Chase Bank refuses to reimburse the fee, which is a violation of the bank 's terms & conditions of my account.
Product: Credit card or prepaid card

On XX/XX/2019 I went to Best Buy and acquired their store credit card to buy a lap top. Based on what was told by the sales person the lap top included a XXXX XXXX and if I didn't like the computer it could be returned. ( see receipt attached ) On XX/XX/2019 I went to Best Buy to return the lap top with everything that came with it. I didn't use the computer because I didn't like it, yet the XXXX XXXX  was installed in the computer since it came with it and I tried the computer. For my surprise during the return they said I would have a balance of {$69.00} for the XXXX XXXX plus taxes. I couldn't understand why and they told me I would have to solve it with XXXX. ( see receipt attached ) I called Best Buy customer service to complain - the case # is XXXX. They said I would have to call XXXX as it was a XXXX charge. Again, I didn't buy anything from XXXX, so why Best Buy couldn't solve it? And then, I called XXXX Customer Service and the case # is XXXX. XXXX did a conference call with Best Buy and proved to them that I didn't own anything to XXXX as that packed was sold with the computer by Best Buy. I do have an existing packed with XXXX but is directly with them and it is installed in other device. In the same call, the customer service from Best Buy asked me to go back to the Best Buy store to get my refund. 

On XX/XX/2019 - I went back to the Best Buy Store I bought the lap top and the manager processed me a return of the XXXX XXXX and provided me with the receipt. She said I wouldn't be charged for it anymore. Yet, the receipt came with XXXX  $ value ( see it attached ) On XXXX, for my surprise they sent me a bill with a balance of {$75.00} referring to the same XXXX XXXX and then they sent another charge on XX/XX/XXXX of {$100.00} including other fees. 

I had a call with the Best Buy credit card company that seems to be City Bank. I asked to dispute the charges. Not sure which day this call was, yet it was between XXXX and XXXX. I received a mail letter dated as XX/XX/2019 saying that I lost the dispute. ( also attached ) Yet, they didnt ask me to provide with any paperwork to get into this conclusion. And I can not believe now they have reported it to my credit report and they are charging me interest and saying that I have a late payment. 

On top of damaging my credit, they have reduced my credit limit.
Product: Credit reporting, credit repair services, 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, 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 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, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) Transunion shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - Why bother claiming that you only provide the most accurate and verifiable information if you really dont? I requested proof of payment history. Where are they? You dont keep accurate records, do you? Let me tell you, according to the FCRA, you cant ignore a consumer 's request for an investigation ; you actually have to do it and send the results within 30 days. Your time is up and you didnt do your job. Take this off my file! 

DEPTEDNELNET - This account is also showing to be 120+days past due and shows a scheduled payment amount. Again, if this account has been transferred and this company no longer owns it, can they report this information? Answer is : No. You need to correct the current status to say : Paid as Agreed and remove all the negative information immediately. 

DEPTEDNELNET - This is showing to be 120+days past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay.
Product: Credit reporting or other personal consumer reports

Re : XXXX XXXX XXXX To whom it may concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already as " XXXX XXXX XXXX ''. I have enclosed my government issued ID, social security card and court order along with an affidavit of identity for verification purposes.please update immediately.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a XXXX XXXX XXXX XXXX, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a XXXX XXXXXXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Payday loan, title loan, or personal loan

I had taken out a loan with XXXX XXXX had made my payments as scheduled and had sent a payment to them with a money order, I had forgotten to fill out the money order. Instead of just calling me and having me fill out the money order they sent it back to me and refused the payment. This negated the contract. I told them this. They sent the debt to collection. The collection Arm of XXXX XXXX is XXXX XXXX XXXX. I was trying to clean up my credit. I came to an agreement with XXXX XXXX to pay the {$190.00} which I did in XX/XX/2019. It is still on my credit report today, I am in the middle of trying to get a mortgage. This item should have been removed. That is what I was told by XXXX XXXX. Both Equifax and XXXX still show the debt. I would like it removed.