23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX FIRST ATTEMPT. 

I RESPONDED TO THE COMPLAINT AND STILL THIS ISSUE HAS NOT BEEN RESOLVED/ TO THIS DAY THERE HAS BEEN NO VALIDTY OF THE DEBT. XXXX XXXX XXXX PREVIOUSLY WORKED UNDER ANOTHER NAME WHICH WAS RECENTLY CHANGED WHEN SPEAKING WITH XXXX  AND XXXX  THIS DEBT BUYING COMPANY WAS NOT ABLE TO PROVIDE A RECENT CONTRACT HOWEVER ACCORDING TO RESPONSE YOU SENT MY CREDIT BUREAU WAS UPDATED THE OLD CONTRACT FROM TIME OF PURCHASE DOES NOT VALIDATE A SERVICE THAT EXPIRED/ I ONCE AGAIN NEVER RENEWED MY CONTRACT THEREFORE THE CONTRACT IS NULL AND VOID. THE ORIGINALLY DOCUMENT SIGNED IS EXPIRED. THIS DEBT WAS ON MY CREDIT REPORT PREVIOUSLY THRU XXXX  THE ORIGINAL CREDITOR AND WAS REMOVED. I SEND ALL THE DOCUMENTS FROM THE XXXX  THAT SHOWS THIS COMPANY 'S NORMAL PRACTICE IS DO THIS TO CONSUMERS. XXXX Complaints Show Sort By Complaint Type : Billing/Collection Issues Status : Answered XX/XX/XXXX This company has reported erroneous information to the credit bureau as well about an account that had already been resolved from XXXX. This has also negatively impacted my credit score. I had not received any invoices or anything regarding debts owed from monitrinics. I asked for Proof if this debt and all I received was a copy of an agreement from XXXX. I do not owe this company anything. 
Complaint Type : Billing/Collection Issues Status : Unresolved XX/XX/XXXX I have never done business with this company and they have placed me for collection with a company called XXXX. I have never had or used anything from a company called XXXX. This business places scam accounts on your file to bully you into paying a balance and never belonged to a person in the first place. They blatantly fail to adhere to the Fair Credit Act and refuse to provide ANY single document that proves their false allegation that a person owes what they allege. This is a scam. All companies are bound by the Fair Credit Act and thi THESE COMPLAINTS GO ON AND ON I'M ASKING TO HAVE THIS COMPANY INVESTIGATED AND ALSO REVIEW THE 202 COMPLAINTS FILED JUST IN THE MONTH OF XXXX. I HAVE CONTINUED TO CONACT XXXX   THRU WRITING WHICH THERE HAS BEEN NOT ONE RESPONSE. I HAVE CONTACTED AT THIS POINT AN ATTORNEY TO ALSO ASSIST ME WITH THIS MATTER.
Product: Debt collection

15 U.S code 1681c 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, not later than 4 business days after the date of receipt. It has been 30 business days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these immediately! These accounts should not be furnished on my consumer report as they are in violation! Under, 15 U.S code 1681b-Permissible purposes of consumer reports ( a ) In GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency written consent to anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion on these accounts listed immediately.
Product: Credit card

Kindly review the attached documents. I urge the bureau to commence an investigation into these accounts, as I am consistently on time with payments, yet they are inaccurately reported as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023. I disputed inaccurate items on my credit report. On XXXX XXXX, and XXXXExperian sent a notification accusing me of using a credit repair organization to submit my letters, and in fact advised they were not going to investigate my claims, which is a violation of the FCRA. It has been well over 30 days, with no action done, which is another violation. I have attached the letters I have already sent to all 3 credit bureaus. These stall letters they are sending are not responses to the inaccurate information on my credit report.
Product: Student loan

My loan went into repayment in XXXX with Mohela, and i tried to set up autopay. It says it was was successful, but them I kept getting emails that said your financial institution has returned a payment and my principal wasnt going down. I tried to do manual payments but they also failed. Finally, one of my payments posted on XX/XX/2023, but no money was taken from my savings or checking account. When i tried to call customer service on XX/XX/XXXX, I was placed on a long hold, hung up on, and not called back. My problem was not solved, and I still dont know how to pay my loan.
Product: Credit reporting or other personal consumer reports

XXXX reported to the three credit bureaus that I was late on payments from XX/XX/XXXX- XXXX of XXXX, when I wasn't. I was always on time and had initially provided this proof back in XXXX. XXXX system was glitching in that they could pull the payment but for whatever reason on their end, it would never post. 

This caused inaccurate information being sent to all three credit bureaus. Luckily, I did reach out to XXXX and received documentation on XX/XX/XXXX that all payments made, since the life of the loan, was indeed made on time ( this is attached ). Though I would send this to all three credit bureaus, while they would update the credit statuses, they would never update the late payments to be shown that it was okay ( in other words, they never removed the late payments from my report ). 

On XX/XX/XXXX, I decided to get this disputed again with all three credit bureaus. While XXXX and Equifax I believe are still investigating, XXXX did a two-day investigation and again, ONLY updated the status and didn't remove the late payments from my account. 

After XXXX failed to remove the late payments again, I called XXXX to ask if they could talk to the bureaus to get this removed as I was never late, and even had the letter from their Director of Customer Operations to verify that indeed, the payments were never late. 

On XX/XX/XXXX, I received another document from XXXX that states ( and this will be posted as well ) : " Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Direct Dispute of Credit Report Information for XXXX Dear XXXX XXXX, XXXX received your correspondence regarding the credit reporting for your XXXX loan. Thank you for allowing us to address your concerns. During our investigation, we determined that we reported inaccurate information to the credit reporting agency. We have corrected our records, contacted the credit reporting agency, and furnished the corrected information to them. Please allow 30 days for the corrected information to reflect on your credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have an HSA account managed by UMB Bank from a former employer. I have been unable to access or utilize my funds for medical expenses via their online portal since XX/XX/2021. My employment ended on XX/XX/XXXX, at which point I lost all access to my HSA account via the employer 's benefits portal. Upon working with UMB Bank, they informed me I would not have access to my funds until 'sometime in XXXX ' after the employer has 'released my full account ' to them. In the meantime, they have provided me with a temporary read-only access into my funds on their system, but this temporary view does not provide me with access to my money. Meanwhile, UMB Bank continues to invest and profit off my roughly {$7000.00} in HSA deposits and investments. I have asked the bank if I could close my account and roll my funds into a personal HSA at another institution, however, I was told that this would not be possible until 'sometime in XXXX  '. I find this practice to be unacceptable, unfair, deceptive, and abusive. Their current policies and procedures have made it impossible for me to fully access my HSA money for almost two months at this point -- without a clearly defined end date. In the meantime I've had to pay for medical expenses out of pocket and on high interest credit cards.
Product: Credit reporting or other personal consumer reports

I settled the balance of loan in agreement with Chase Auto. I was told over the phone that if I paid and settled the debt that the account would no longer be reported onto my credit report. They have not honored the agreement even after cashing the cheque sent to them from me. They cashed the check and sold the debt in it's entire balance to XXXX XXXX agency. They both are reporting the debt in it's full balance as an open collection.
Product: Checking or savings account

XXXX of 2023 my Debit card with Key Bank expired. I called and asked them for a new card. That replacement card never arrived to me, it was stolen, activated, and all of my money was taken fraudulently from my account. Unaware of this, because Key Bank would not give me access to my online banking without the aforementioned stolen card details, I was unable to report fraud. Over the course of XXXX and XXXX, my debit account was completely robbed of $ XXXX while I was not able to stop it, because Key bank would not give me access to my online banking, and their physical branch would only mail me a card. When I finally was able to cancel the card, a new card was sent to a secure address.Then I was finally able to access my online banking, and low and behold all of my money had been stolen. When I filled a dispute, clearly outlining that it was not possible for me to be the person using the card, because I was in Hawaii for all of the transactions that were happening physically in Washington, XXXX at the disputes department told me the investigator had already made their decision, and that they would not allow it to be reopened. The company will not allow me to explain my case over the phone or by email to the person in charge of making the decision, nor will they allow me to submit further information that could help my case. They also will not tell me what documentation to send in that will prove my innocence. Long story short, that have decided guilty until proven innocent, but they wont take my documents to prove it.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting act Convergent XXXX : XXXX Account XXXX 9940, 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 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.

The company has not recorded payments correctly, They have added excessive fees when there was none due. They have charged me for storage fees in XXXX of XX/XX/2022when I had my truck. I made approximately 18 payments in the past year, yet, they are reporting my account as delinquent. 

When I call the company they just brush me off and do not do anything about my complaint.
Product: Checking or savings account

I made a check deposit into my account but my job decided to send a wire instead so once the check was returned and I paid {$12.00} to chase for the fee and continued with my account. My wire came into my account and put my balance at {$930.00} but when I tried to use the Atm I kept getting rejected not knowing why so I called the bank. They gave me the run around saying my account was on hold due to a atm transactions I had to clear. Once cleared I tried the Atm again and got the same response so I called the bank again and another representative told me this bank made a decision to close my account while my funds are in there. My children were starving last night due to this issue and I'm ashamed as a parent that this happened and I also spoke with supervisors and they also let my children starve please make them give me my funds immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXXwww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy...

. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX Date Opened XX/XX/2016 Balance : {$400.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the presence of fraudulent items on my credit report that have not been adequately addressed despite multiple attempts to rectify the situation. This ongoing issue has had severe consequences on my financial well-being and is causing undue stress and hardship. I have followed the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing these fraudulent items, and I have provided all necessary documentation to support my claims. However, despite my best efforts, these inaccuracies persist on my credit report, which has adversely affected my ability to secure loans, obtain favorable interest rates, and even pursue certain employment opportunities. I kindly request that you conduct a thorough investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I urge you to take necessary steps to prevent the reoccurrence of such inaccuracies on my report in the future. I am willing to cooperate fully and provide any additional information required to resolve this issue promptly. I expect a written response from your agency within 30 days of receiving this letter, as required by the FCRA, confirming the removal of the fraudulent items from my credit report. Kindly assist me to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX # : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax credit there are two hard inquiries for credit which I did not make. On XX/XX/2021 there is a hard inquiry listed on my credit report from XXXX. I did not make that inquiry. On my credit report it also shows a hard inquiry from XXXX on XX/XX/2021. I did not make this inquiry. I filed an identity theft report regarding both of these incidents and I have attached a copy of the identity theft report. 
I am asking that these hard inquiries be deleted from my credit report immediately as I was a victim of identity theft.
Product: Checking or savings account

On XXXX XXXX I made a deposit of XXXX The atm spit a XXXX back so the deposit was only for XXXX. It went normal. The atm gave me a receipt. I through it in the trash. But I looked on my account a XXXX  hours later and notice that it didn't credit to my account. On XXXX XXXX I went into the back and explained what happened XXXX XXXX actually seen the deposit on the computer and the XXXX of Regions bank Named XXXX XXXX filed a claim. On XXXX XXXX the money was deposited back into my account. XXXX XXXX the took the money back out of my account. I have filed XXXX claims. I also asked to have someone review the cameras. They said they can't seem to find the money. But then how did XXXX see the transaction but now they can't see it. I want to know where my money is. Where did the transaction go. They have me the phone number to the main Regions branch to check the cameras. Still waiting.
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 measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, Furthermore, their dispute resolution procer 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 these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent American Express and XXXX a Dispute Letter requesting verification of inaccurate information being reported on my credit report. Letter was sent via certified mail and delivered. Dispute case was opened on XX/XX/XXXX and after only 1 week the dispute was " resolved '' by XXXX. Several violations to the FCRA & FDCPA were committed. 

1. No verifiable evidence was provided ( bearing my signature ) for the ownership of this account. 
2. XXXX  or AMEX changed the 7 year removal date. Under federal law any negative account being reported can only remain on account for no longer than 7 years from delinquent date. Before the dispute was created the " age date '' of this account was XX/XX/XXXX. After the dispute, the date was changed to XX/XX/XXXX. This is an illegal action and account must be removed for violation of the FCRA & FDCPA.
Product: Debt collection

Im getting a debt saying i owe {$100.00} as of XX/XX/XXXX from XXXX parks when i have autopay every month of {$70.00}. I dont owe any debt and have not signed up for anything extra
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX My Citibank XXXX Account was frauded by four XXXX XXXX for a total of {$990.00}. 
I never signed up for XXXX and did not even know I had it but Citibank included it in my XXXX XXXX. 
When I discovered it was fraud I immediately called Citibank to cancel the transactions which were still listed as pending. Citibank, who is one of the seven banks who owns XXXX refused despite the pending status because they market XXXX as " XXXX XXXX '' I immediately asked for an investigation and a week later I received a denial form letter from Citibank directing me to " contact the recipient '' even though they knew the reciepient was fraudulent. There was no attempt by Citibank to investigate, thus, Citbank is in violation of Regulation E Citibanks many violations : I contacted them immediately upon discovery of the fraud and while the transactions were still " pending '' and they refused to do anything to try and stop them. 
Citibank lied and told me they have nothing to do with XXXX, when in fact they are one of the seven banks that own XXXX. 
Citibank lied and said they would investigate but instead sent me a denial form letter. 

I received NO BENEFIT from these fraudulent XXXX debits to my checking account, but Citibank did benefit = a quick google search finds that XXXX fraud is EXPLODING. Citibank knows this as a part owner of XXXX but refuses to institute safeguards since they force their customers to bear the losses and wish to continue advertising XXXX as " XXXX XXXX '' I hereby request the CFPB to order Citibank to refund to my checking the fraudulently debited {$990.00} Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of 2020, my PayPal account was permanently limited for no reason. I have over XXXX dollars in my account balance that I am not able to withdraw at all! This is the livelihood money that I depend on and PayPal prevented me from withdrawing the money for no reason. I tried to contact the PayPal phone service but no one was available to answer due to Covid-19. Then I tried to email and send messages to the chat center but no feasible solution was given. The locked up my money illegally.