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

I have previously disputed an account with this company which was sent on XX/XX/2021 and they received on XX/XX/2021 at XXXX XXXX. My Complaint is they stated the account was " Verified '' but the Status when it was last reported didn't Change. The date ( XXXX ) still remains and they violated FCRA laws by not Properly Conducting a full investigation and Updating the Status to the most recent date. If they really did an investigation they Should have updated the date to notify me they did the investigation following the FCRA rules. I both accounts removed from my credit report Or I will follow my lawyers advice and pursue legal action I saved every letter and note since I started to complain about this so I'm taking this very seriously
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been victims of identity theft. I never even use my credit and there is a rental property collection account on there. This is literally the only account on my credit report and I have no idea what this is in relation to. The account appears as XXXX XXXX XXXX for {$3500.00} which is outrageous. I would like your assistance in getting the credit bureaus to recognize this account as fraudulent and have it removed.
Product: Credit card

I recently set up a checking account with CapOne360. I deposted {$4000.00} into the the account. I received a message saying it would take a week before the funds would be available. Once the funds were finally availlable, I set up a wire transfer so that I could transfer funds into my personal checking account. I received a new message saying that I would take three business days to establish the new wire transfer account. Once the account was finally established after the three business days I attempted to make a transfer into the newly established account with the available funds and I received a new message saying that Cap One would hold the funds for an additional three days before the funds would be transferred to the new account. Is this legal? If it is, it should not be.
Product: Debt collection

I have been going back and forth with Midland credit to try and get the original purchase agreement, and signed contract. They have failed to provide me what was requested. Also, they are a collection account reporting as open on my credit report which is an inaccurate way to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When creditors pull my credit from Equifax ( or XXXX, but I'm making a separate complaint for XXXX ) they mark one of the reasons for denial as a " serious delinquency. '' There are NO delinquencies on my account ( charge-offs, bankruptcy, missed payments, etc. ) and this has been confirmed by : 1 ) me pulling my credit report directly from equifax 2 ) calling Equifax customer service multiple times ( most recent was XX/XX/2019 at XXXX PST ) Both myself and Equifax customer service looked at our most recent reports and have found NOTHING wrong with my credit profile. Equifax customer services tells me that my only way to fix this is to call the creditors ( XXXX XXXX and XXXX XXXX XXXX  ) and have them manually look at my credit report. I shouldn't have to do this. Credit reporting agencies are tasked with accurate storage, encryption, and relying data to the banks and somehow it's getting reported that I have a serious delinquency when that is not true. 

I want this fixed. I shouldn't have to call every creditor that pulls my Equifax report and explain to them that there's an error.
Product: Credit reporting or other personal consumer reports

Within my consumer report, I have uncovered significant inaccuracies that not only have a detrimental impact on my financial well-being but also underscore Equifax 's continuous disregard for federal laws established to safeguard consumers, including the Fair Credit Reporting Act ( FCRA ). 
Despite my prior notifications shedding light on these violations, Equifax has persistently failed to rectify the situation in accordance with my requests. This inaction has not only eroded my trust in the credit reporting process but also poses a grave threat to the fairness and accuracy of consumer credit reporting. 
Attached to this complaint is a certified notice providing further details on the unauthorized and improper utilization of my consumer report, sent via USPS # XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CBA Collection Bureau # XXXX is reporting a collection on my account that should no longer be there. This collection is past the statute in Utah and I no longer owe the debt.
Product: Credit card or prepaid card

This is follow up for complain XXXX Bank of America has NOT address my concern and give me any update before close the complaint. 

Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS - it charge my interest about {$54.00} again on XX/XX/XXXX ; - it mentioned that I use `minimum payment` for the automatic payment. But I clearly remember I used `statement balance`, with which I should not be charged with any interest. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS it mentioned that I used `minimum payment` for the automatic payment. But I clearly remember I used `statement balance`, with which I should not be charged with any interest. Please provide evidence that I used `minimum payment` for the automatic payment THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS The company promised me in the phone call, that they will : - refund all my interest charge ; - fix the auto pay settings. Obviously it is not true, as I was charged interest of {$54.00} dollar again on XX/XX/XXXX.
Product: Checking or savings account

I am writing to dispute a promotion that was denied. I have included that dispute resolution letter for your reference. I was denied because the Citi Priority Account package is not eligible under this promotion. 

In XX/XX/XXXX, I was targeted on my Citibank app with this promotion to open a Citi Accelerate Savings Account. I have included a copy of the promotion screenshot from my phone. In the screenshot, you can see that there is no mention of Access Account or Priority Account. It simply says : 1 ) Open a new eligible Citi Accelerate Online Savings Account during the offer period XX/XX/XXXX XX/XX/XXXX. In accordance with the promotion instructions, I deposited over {$50000.00} of New-to-Citibank funds into the new account, and then I maintained over {$50000.00} balance in the new account for an additional 60 consecutive calendar days. 

Let me reiterate that I was TARGETED with this promotion on my app ; I simply responded to this targeting. I acted in accordance with the instructions from the promotion, as my screenshot provides sufficient proof. I believe that I should have qualified for this promotion. Citibank owes me a {$450.00} cash bonus.
Product: Consumer Loan

Back in XXXX bought a car. XXXX down payment of {$4000.00} cash {$2000.00} rebate apr 0.9 percent retail price of the car is {$24000.00} and monthly payment of {$440.00} for 6 years thats what i sign for suddenly my contract change make story short i was paying $ XXXX monthly and the interest almost half of what i pay. My down payment of {$4000.00} and rebate {$2000.00} never deducted from my account. I have the history of the payment.
Product: Debt collection

Received multiple calls from debt collector ( Valley Credit Service ) on a debt I had already paid ( to XXXX ). I told the collector the 1st time that I had already paid my bill in full. They did not investigate until over a month later after threatening me with legal action.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 was unfair and deceptive, as they did not 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: Checking or savings account

being charged way to much overdraft fees i was getting charged double
Product: Checking or savings account

Money was being taken out my account without my permission I lost a lot of money I called to get help and basically they said they will fix it but nothing its been XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an inaccurate account with late payments on my credit reports. 

I have been disputing this account for a while but have not been able to gain no resolution into this matter. 

As you can see in the attachment below, each late payment reporting is inconsistently reporting. How is it that this account is reporting on time payment with one bureau and 120 days late with the other? Or 120 days late with one bureau and 180 days late with the other? If all bureaus get their information from the exact same place, how can this reporting be all over the place? I was never late on this account. 

The consumer reporting agencies are responsible for reporting 100 % accurate account information and payment history on a consumers reports. This inaccurate reporting has caused me a lot of emotional and financial stress and I am aware that I can be compensated monetary due to the credit bureaus negligence and continuous reporting of inaccurate information. I am demanding that this account is accurately updated on my credit reports and all inaccurate late payments are repaired and deleted!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measured to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fun Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit card or prepaid card

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

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

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

In XXXX and XXXX I requested a copy of my credit files from each of the bureaus so that I could check my credit after an issue was brought to light by the IRS concerning a judgment which is a result of Identity theft. On checking my reports I noticed that there is a vehicle loan with a company called Ally Financial which is in default and that i am not familiar with. I need to validate this account. Please ask the company to forward via CFPB all verification documents used to open this account ; signed contractual agreement ; and Identification used to authenticate the account holder so that i can verify this debt.
Product: Consumer Loan

My car was repossessed at XXXX on XXXX XXXX, 2015. I was explained that I had 21 days to redeem the vehicle. I paid the bank the past due amount today but they have shipped my car to auction in XXXX XXXX, XXXX hours from where I live. Now my husband and I have to miss an entire day of work to pick up the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud Alert on my acct -- - I NEVER requested same. Did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was informed by my loan agent there there was numerous negative accounts on my credit files. I immediately opened up a monitoring service to view my credit file up until now i had no use for any as I rarely use my credit at all and often reside in XXXX much of the year. Upon viewing the authorized accounts on my credit file dating back several years, I immediately contacted the local authorities to begin procedures to protect myself from further harm. I am now following the guidance given to me per the local authorities and contacting each of the credit bureaus and creditors also I am filing with the State Attorney General, FTC, And CFPB. Please Remove the following : XXXX {$5100.00} XXXX XXXX {$3300.00} XXXX XXXX XXXX {$120000.00}
Product: Credit card or prepaid card

My due date for American Express was XX/XX/XXXX. I ordered full balance payment through my bank on XX/XX/XXXX, unfortunately the payment didnt get to American Express XXXX XX/XX/XXXX. With this 1 day late, they charged me interest on XX/XX/XXXX. At the end of XXXX, I again paid my balance in full before the due date. However, XX/XX/XXXX they charged me interest for XXXX balance again. I called twice trying to resolve this. When I called, they confirmed that they received the full payment of XXXX statement on XX/XX/XXXX, but refuse to undo the interest fee charged on XX/XX/XXXX. They cited their policy of charging trailing interest for 2 months in a row after full payment is received. XXXX months of interest charge after full balance is already paid!!! What kind of policy is this? This is too wrong. 

Id been a loyal customer of American Express for almost XXXX decades. Not anymore. I will not use their service again.
Product: Checking or savings account

The bank would wait and take all the amounts at different times to overdraft my account. I would have the right amount of money, and they would purposely overdraft my account
Product: Debt collection

I Checked My Credit Report Today XX/XX/2019 and I found a Open Collection Account from XXXX XXXX XXXX XXXX and it says open and I owe {$0.00} due to Bankruptcy Ch XXXX. However its still hurting my credit due to the account staying open and reporting every month. This Account is Not Open! This needs to be fixed ASAP!!!
Product: Credit card or prepaid card

I requested Discover to cease communication of a billing error of nonmailable matter per 39 USC 3001 ( d ) 39 USC 3005 ( a ) ( 3 ) and regarding the sharing of my information with third parties per 15 U.S.C. 1692c ( b ) in accordance to my right of privacy and confidentiality. Discover closed my card account alleging that they received a cease communication notice by me, the consumer, and took it upon themselves to take adverse action to close my account without my consent in violation of Title 15 USC 1692c ( c ) without notifying consumer.

The good faith right to Cease communication does not include closing account without consent of the consumer and further appears to be a deliberate violation of 12 CFR 1026.13 ( d ) ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not restrict or " close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.

Discover has not complied with alleged cease communication notice and continues to report consumer credit transactions without my consent to third parties and appears to continue sending nonmailable matter as mail fraud ( see attached USPS mail receipt ).

Discover has refused to reinstate account and continues to harass me indirectly via consumer reporting agencies despite their fraudulent act. There is not one law that states a credit or insurance transaction are required to be reported without consumer consent as expressed by congressional findings 15 U.S.C. 1681 ( a ) ( 2 ) An elaborate mechanism has been developed, ( 3 ) Consumer reporting agencies have assumed a vital role.

Discover has deprived me of my right to credit illegally without 15 U.S. Code 44 documentary evidence and verification ( sworn statement ) as Constitution for United States of America 4th amendment compliance for seizure for property.

I authorize Discover and The Bureau to proceed with this complaint.
Product: Debt collection

Hello there is a company, TrueAccord that is requesting payment for two charges. One is for XXXX XXXX in the amount of {$610.00} and the other is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$400.00}. I was the victim of identity theft in 2008, when my ID was either lost or stolen. Someone obtain my ID and wrote fraudulent checks under my name. At the time the checks were written, my ID had expired and both companies still accepted the checks without a valid ID. Almost 13 years later, I'm receiving collection emails for a debt that was a result of identity theft. I want this company to stop reaching out to me asking for money. I have worked really hard to keep my credit excellent and I don't want anything on my credit report to tarnish my name. TrueAccord and XXXX XXXX XXXX XXXX should be ashamed of themselves for going after someone that has been victimized.
Product: Debt collection

Collection Agency   XXXX ,  XXXX   XXXX   XXXX  representing themselves as LAW OFFICES representing BARCLAYS BANK DELAWARE. Creditor Claims they could not locate me. I have lived here for 10 years. This bill was paid off in  XXXX   XXXX . The company had previously changed names from  XXXX  to Barclays. I have bank statements showing final payment of {$200.00} in  XXXX  of  XXXX . No other bills were received after that date because the account was closed at my request in  XXXX  of  XXXX .
Product: Credit reporting or other personal consumer reports

INACCURATE AND UNVERIFIABLE INFORMTION IS BEING REPORTED ON MY CREDIT FILE.
Product: Debt collection

XX/XX/XXXX STATEMENT I received an invoice from XXXX XXXX XXXX collection agency in XXXX. It was an offer to settle a debt for me 40 %. I had no knowledge of this debt. I called to inquire and was told that in XXXX, XXXX years ago, I opened a XXXX XXXX account and charged {$350.00} at XXXX XXXX XXXX store. I have no knowledge of those actions. I ordered copies of all three credit reports and this negative item appeared there, it was a brand new item. I called XXXX XXXX on XX/XX/XXXX and they said I never had a credit card with them. I asked for a short statement from them stating that I had never had a credit card and they denied it. They dont provide statements that say someone has never had a credit card. XXXX XXXX said they did not see a XXXX XXXX card on my credit history. 

Please see the attached Invoice from XXXX XXXX XXXX requesting a settlement. 

I was told by XXXX XXXX XXXX to email XXXX for clarification of this situation. I did not receive a response. Please see the attached XX/XX/XXXX email. 

The Bureaus is listed on my credit reports. I called them several times. They say that on XX/XX/XXXX I opened a XXXX XXXX credit card. I am an airline pilot and I was flying from XXXX XXXX to XXXX XXXX XXXX  that day. There is no XXXX XXXX XXXX store in XXXX. I googled XXXX XXXX XXXXXXXX and they have been bankrupt for years. 

I question how a collection agency could become involved with a bankrupt company XXXX years after an alleged charge and try to collect 60 %. I spoke with the Consumer Protection Agency and Better Business Bureau and they stated that this appears to be fraud. I do not know what the statute of limitations is, either. 

I asked XXXX XXXX XXXX and The Bureaus of documentation. A credit card statement, invoice, anything for proof that these charges ever happened. As I stated, XXXX XXXX said there is no account. 

I have an immaculate credit history. I pay my accounts by auto pay. I want an explanation of what this harassment is about. At the very least, I need this item removed from my credit record at all three credit bureaus. 

I request your assistance with this matter. Thank you, XXXX XXXX XXXX
Product: Vehicle loan or lease

I was the victim of identity theft. This is a formal dispute to support my position and claim. Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

CHRYSLER CAPITAL XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX  and XXXX XXXX XXXX regarding an account ending in XXXX with a balance of {$1500.00} that was sold to XXXX XXXX XXXX, as confirmed by XXXX XXXX XXXX  on XX/XX/year>. Despite this sale, XXXX XXXX XXXX  tradeline remains on my credit report as a charge-off, which inaccurately reflects my financial obligations and negatively impacts my credit score. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and as XXXX XXXX XXXX  no longer owns the debt, I am requesting that the CFPB intervene to have this tradeline removed entirely. XXXX XXXX XXXX has also failed to verify the debt adequately under the Fair Debt Collection Practices Act ( FDCPA ), further supporting the need for complete removal. Thank you for your attention to this matter