23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX, 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 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 that are reported 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly regarding the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle and reporting issues numerous times my financial institution and Zelle failed to investigate my claims adequately.I would try to send money from my Zelle but the recipient would not receive it.
Product: Debt collection

Ive been getting calls and they do n't leave a message. I 've had a comminication issue witg this company im the past
Product: Checking or savings account

XXXX - I applied online for a new checking account. There was a non-targeted, public promotion on the Citi webpage for a tiered bonus. {$200.00} bonus if {$5000.00} was deposited in Basic Banking Checking and maintained for 60 days. Bonus would be posted 90 days after terms were met. 
XXXX - Citi opened new checking account XXXX - I deposited {$5000.00} into Citi Checking XXXX - 60 days of balance over {$5000.00} was met XXXX - 90 days after term was met XXXX - I contacted Citi via Messaging on Citi app and was told I met the conditions and would see the bonus post in 5-7 business days XXXX - Citi sent a notice XXXX that they did not find any promotion tied to my account : Unfortunately, we are not aware of any promotions offered in conjunction with the opening of your account. However, if you have a copy of the promotional documentation or letter you received, we may be able to assist you. 
XXXX - I contacted Citi via Customer Service phone # and explained that I clicked through the " Apply Now '' promotional landing page and was never provided nor had to enter any promo code in the account application process. The Rep said she would add a provisional credit and attach a placeholder promo code she found on her end to the inquiry for a second request for bonus. I did not provide any promo code information as it was not provided nor necessary to open the account. 
XXXX - provisional $ credit was added by Citi to checking account XXXX - Citi sent a notice XXXX that my account was not linked to the promo code their Rep added to the inquiry. 
XXXX - Citi debited back the {$200.00} XXXX - I called Citi again and asked for escalation to my issue, re-explaining that I clicked on a link from their main home page for the bonus and have no code to provide them. No bonus has been added to my account since then. 

______After some research online I see that other customers were experiencing the same issues - being denied a bonus that they met the terms for only to be told by Citi that they now need to provide a promo code months after the customer fulfilled their end and/or that only targeted bonuses were available at that time, neither of which is true. 

______Citi currently has a generic public link on their banking home page as they always do. The {$200.00} bonus promotion has changed to a new promotion so the generic link for the tiered bonus at that time is no longer valid. Numerous finance blogs highlighted this promotion, all with the same terms outlined : -- This offer is valid XX/XX/XXXX XX/XX/XXXX -- Within 30 days of opening your account, deposit {$5000.00} in New-to-Citibank funds into the new checking account. 
-- Maintain a minimum balance of {$5000.00} for 60 consecutive calendar days. 
-- You will receive your cash bonus within 90 days after you complete the required activities. 

______These links may have been related to this promotion but no longer work on the consumer end : - https : //banking.citi.com/cbol/checking-tiered-offer/ - https : //banking.citi.com/cbol/checking-tiered-offer/default.htm? XXXX & XXXX XXXX_Thank you for your assistance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have XXXX federal student loans serviced by XXXX XXXX XXXX XXXX XXXX. These loans have been in forbearance since the beginning of the initial repayment period. 

My credit reports four late payments on four each of these loans, totaling 16 late payments in my credit history ; a very damaging number.

Forbearance was granted retroactively to cover the dates of these late payments, however in educating myself on the subject, I have found that XXXX 's refusal to update the reported payments as " no payment due '' and remove these derogatory marks from my record in conjunction with their willingness to extend the forbearance for that period, in clear violation of the FCRA Notice to Furnishers of Information : Obligations of the Furnishers Under the FCRA.

I find this also to be in violation of the Higher Education Act which dictates : " as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a backdated deferment and forbearance that converted the original period of delinquency into a period where no payment was due ( Sec. 463 ( c ) ( 4 ) ( A ) of the HEA states that an institution " shall disclose promptly to such credit bureau organization any changes to the information previously disclosed ''.

I am a hardworking individual who attempts to make responsible choices, and my creditworthiness is not reflected accurately as a result of this error in reporting. This unfairly affects my ability to obtain credit, housing, and even employment.
Product: Debt collection

On XX/XX/XXXX, an ACH Deposit was made into my bank account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$1000.00} by BlueTrustLoans, run by Hummingbird Funds, LLC. I did not, nor have I ever, made a loan request to BlueTrustLoans. 

On XX/XX/XXXX, I noticed this deposit after reviewing my bank account. I called and spoke with 2 separate customer service representatives at BlueTrustLoans. The second customer service representative assured me that a fraud investigation would be opened and I gave them my full name, the name of my bank, and my account number. I was told that they would do the investigation and call me back the same day. They never called. 

When XXXX XXXX lobby opened, I called them. I gave them the ACH transfer number of the deposit from BlueTrustLoans and they investigated with their ACH department and found that the intended recipient had transposed a number in their own bank account and had erroneously used mine in their loan application instead. The bank informed me that they would reverse the transaction by EOB. My records show that this reversal was successful. 

The same day I froze my credit with the 3 major credit bureaus. 

On XX/XX/XXXX, an ACH Withdraw was made from my bank account with XXXX in the amount of {$150.00} by BlueTrustLoans. 

On XX/XX/XXXX, I noticed this withdrawal after reviewing my bank account. I called BlueTrustLoans to find out why money had been withdrawn from my bank account, but as I do not, and still do not, have an account with BlueTrustLoans they could not help me further than calling my bank with me on the line, even after giving them my name, my bank 's name, and my account number.

As I contacted BlueTrustLoans outside of my bank 's operating hours, they could not do anything other than promise a callback in the morning, where we would contact my bank together to get to the bottom of this issue.
Product: Credit card

Credit card issuer is reporting inaccurate information to my credit reports in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Complaint ID XXXX Despite assurance in writing from Specialized Loan Servicing, dated XX/XX/XXXX, that " An escalated manual update to remove negative credit reporting for XX/XX/XXXX and XX/XX/XXXX has been sent to the credit reporting agencies '', Experian still shows us 30 days late on the mortgage Loan No. XXXX. 

This loan was paid in full on XX/XX/XXXX and we were never late on any of our monthly payments. We had excellent credit. The title company, XXXX XXXX XXXX, erred in the payoff process when we sold the property by sending an incorrect payoff amount to XXXX XXXX XXXX. XXXX XXXX XXXX was extremely uncooperative throughout the process of getting that situation rectified. Instead of working with the title company, XXXX XXXX XXXX reported us 90 days late to all three credit reporting agencies. That action has been extremely detrimental to our credit scores. 

Thanks to CFPB, XXXX XXXX XXXX responded to our original complaint. Two of the credit reporting agencies have since removed the negative credit reporting. However, Experian still shows us 30 days late on the mortgage. The negative credit reporting continues to impact our lives. 

This issue has been ongoing since XX/XX/XXXX. We have spent countless hours trying to resolve this matter.
Product: Credit reporting or other personal consumer reports

Subject : Cease Unauthorized Credit Reporting Immediately Reference to California FCRA Identity Theft Fraud Laws Dear Discover Bank, I am writing to address a serious breach concerning the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and relevant identity theft fraud laws in the state of California. 

It has come to my attention that Discover Bank has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA explicitly mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, California state law, specifically relating to identity theft and fraud, underscores the necessity of consumer consent for credit reporting and the severe penalties for unauthorized access and misuse of personal information. 

I assert that I have not provided consent for Discover Bank to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, potentially damaging my creditworthiness and disregarding both federal and state laws. 

I demand that Discover Bank immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by the FCRA and relevant California laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including identity theft fraud statutes in California. 

Obtaining consent is not optional but a legal obligation under these specific sections of the FCRA and California state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting practices. 

I expect your immediate attention to this matter and prompt rectification of these violations, respecting my rights under federal and state laws. 

Done in good faith. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a lawsuit against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specially cash app failed to timely and effective measures to prevent and address fraud on their platform, leaving my account in a vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric fund transfer act. ( EFTA ) And regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I made 3 transactions with Wise US inc , New York for money transfer exchange, vis WISE APP with Wise account # XXXXThe money was to be transferred from my XXXX XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX to 2 banks account of a reputed real estate builder ( XXXX ) in XXXX, using my WISE account with ID XXXX, for the purpose of real estate property in XXXX. 
Transaction XXXX : Dated XXXX XXXX, amount {$27000.00}, transaction id XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Transaction XXXX : Dated XXXX XXXX, amount {$44000.00}, transaction id XXXX, Bank XXXX XXXX XXXX XXXX XXXX Transaction XXXX : Dated XXXX XXXX, amount {$180000.00}, transaction id XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Total amount of above XXXX transactions is {$260000.00} WIse had received all the above mentioned amounts from my Banks by ACH, but has not completed the transfer on all XXXX transactions, They abruptly closed my Wise account on XX/XX/XXXX without giving any reason and has removed any further access to my account details. 

The transferred money has also not reached the end customer- XXXX XXXX XXXX XXXX, XXXX as cancelled transactions in the link provided to them. 

Now my money of {$260000.00} is withheld without any communication. When I called Wise customer service at XXXX, they mentioned they have no access to view my transactions and can only communicate by email as an APPEAL. The APPEAL is only on web and displays message, we have received your information and will get back within XXXX business days. 

I am facing huge losses as i take taken loans from XXXX XXXX XXXX to fund buying real estate property, using the funds mentioned above through Bank ACH transfer. 

Also I have noticed several complaints in social media websites, XXXX and CFPB against WISE, who operate as WISE US INC in New York, XXXX. This seems to be recurring practiceof withholding and rotating money of customers by WISe citing reason of FRAUD/SCAM. 

I request CFPB to assist me in recovering the total amount of {$260000.00} from WISE US INC , without any type of fee deductions at the earliest possible
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies listed below did not notify me before placing these accounts on my credit report. XXXX, Equifax, and XXXX has not responded to my request to verify these accounts. I have not received any information from these companies in reference to these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the incorrect and outdated information reported by his credit repository on correspondence they received. The letter was dated XXXX XXXX, 2017. CHAPTER XXXX BANKRUPTCY Ref # XXXX has been withdrawn last XXXX XXXX, 2017 and I clearly informed this credit repository in the said letter. I was able to verify this with court my self. I asked them to obtain the latest public record information from the vendor of this information and NOTHING happened. Their records still show OUTDATED info which violates FCRA.
Product: Credit reporting or other personal consumer reports

i have tried XXXX times to get a charged off account opened in XXXX removed from my credit report due to it being dropped off for years and recently put back on even though it is over XXXX XXXX XXXX. equifax is not responding to my requests or replying to me about it. the account number is XXXX  the original creditor is XXXX XXXX. attached is the proof it is still being wrongfully reported on my credit report.
Product: Money transfer, virtual currency, or money service

On XXXX I went into Chase bank to deposit insurance check from XXXX in value of {$35000.00} dollars. XXXX XXXX from the local branch and XXXX XXXX XXXX Chase Claim Dept. ) both said I will have funds available to use the same day. XXXX endorsed the check and deposited it into my account. I then wrote my contractor a check for payment of the work completed in my rebuild from the flood my house took. On 2019XXXX I received email alert from Chase my account was overdrawn. The {$35000.00} funds were removed from my account and went into negative balance. I went to the Chase branch and spoke with XXXX. He said it is an XXXX issue. My spouse and I went to our local branch for XXXX and worked with XXXX XXXX. She called XXXX flood department and they said the system shows the check cleared and there are no notes of the check being rejected or returned. We went back to Chase and worked with XXXX. XXXX looked again and noticed there is a problem between Chase and XXXX corporate accounts. XXXX could not tell us the problem because the accounts are not ours. XXXX did say the problem is not the check or the Flood claim with Chase, it is an issue between the accounts. Chase and XXXX have taken my money and will not give it back. They instead bounce the blame between themselves. When either company calls someone, they can not talk to the person needed every single time. My account is now negative because of the retraction of the money. Neither company can nor will give me a straight answer. This makes my second complaint to the CFPB about Chase regarding insurance checks from my flood being deposited. My first case was number XXXX. I am frustrated and feel I have been a victim of fraud along with failure of both honoring a good faith issued check for my repairs that was verified funds were available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter of Complaint : Refuse to Validate Debt For over two years, I have been disputing this debt. Validation letters have been sent to Ive disputed the debt with XXXX, Trans Union, XXXX, as well as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I requested proof of validation. So far, none of the companies have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX, XXXX  or TransUnion, no longer respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with XXXX, XXXX  and TransUnion claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX MY IDENTITY WAS STOLEN I FILED A POLICE REPORT. IN THE BEGINNING OF XXXX I STARTED TO SEE ACCOUNTS OPENING IN MY NAME XXXX XXXX WAS ONE OF THOSE ACCOUNT SO I DID ANOTHER POLICE REPORT AND PLACE THE FRAUDULENT ACCOUNTS ON THERE IT WAS INVESTIGATED BY XXXX XXXX POLICE AND THIS ACCOUNT WAS PROVEN NOT TO BE MINE SO IT WAS REMOVED FROM MY CREDIT REPORT. THIS XXXX XXXX ACCOUNT HAS REAPPEARED ON MY CREDIT REPORT WITH ANOTHER ACCOUNT NUMBER SO THAT IT COULD BY PLACED ON MY CREDIT AGAIN. IT IS THE SAME INFORMATION THAT WAS ON THERE THE FIRST TIME BUT NOW UNDER A DIFFERENT ACCOUNT NUMBER. I HAVE SENT CERTIFIED LETTERS ASKING THEM TO SENT ME A COPY OF ALL PAPERWORK BEARING MY SIGNATURE OR REMOVE THIS ITEM FROM MY CREDIT REPORT FREEDOM PLUS I HAVE NEVER OPEN AN ACCOUNT WITH THEM THERE ARE NOT WILLING TO ASSIST ME WITH THIS ACCOUNT. BECAUSE THE PERSON WHO OPENED THE ACCOUNT HAD ALL OF M INFORMATION.. WELL WHEN PEOPLE STEAL YOUR IDENTITY THEY CAN YOUR LIFE HISTORY THEY KNOW INFORMATION THAT CAN GET THEM LOANS OR CREDIT CARDS OR WHATEVER THE CASE MY BE. I HAVE SENT CERTIFIED LETTERS ASKING THEM TO SENT ME A COPY OF ALL PAPERWORK BEARING MY SIGNATURE OR REMOVE THIS ITEM FROM MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.