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

I am filing a complaint against Block , inc, also known as Cash app due to inadequate customer service and unfair practices which violate the CFPA ( Consumer Financial Protection Act ). Specifically Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account unprotected. Furthermore, their dispute resolution process was very unfair and very deceptive. As they did not comply with error resolution requirements under the EFTA ( electronic fund transfer act ) and regulation E. These actions have caused significant financial loss and inconvenience for me. I would like to seek appropriate redress for these violations. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Bank Of XXXX Account # 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
Product: Credit reporting or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
4. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

Transunion 's reporting an account under XXXX XXXX that have been removed from my XXXX report due to inaccuracy. Despite their removal elsewhere and have shown proof of these inaccurate accounts, Transunion refuses to delete these accounts. This situation breaches the Fair Credit Reporting Act ( FCRA ), specifically violating FCRA Section 611. I am seeking prompt resolution in accordance with this code.
Product: Checking or savings account

I am being refused a bank account at any of the major banks because of information BANK OF AMERICA is giving out to when ever I tried to open an account.i have spoke to bank of XXXX representative and was advised I could never have a relationship with bank of America, I also ried to open bank accounts at XXXX, XXXX XXXX and was told BANK OF AMERICA has some type of block against your name and ssn in the banking environment and only they can remove it ... this is discrimination in the fullest, very unfair treatment..My identity was manipulated during XXXX XXXX thur XXXX 2017..their is some fraud on a account that was in XXXX ... Its XXXX as a consumer should have the right to open a bank account per CONSUMER LAW AND CONSUMER PROTECTION AGENCY AND THE FAIR REPORTING ACT
Product: Debt collection

Account # XXXX. I noticed you are preparing and reporting a false consumer report about me which defames my character and general reputation with the intention of extorting money out of me. I do not recall giving your my written permission and consent to do this. If i did such thing may you please provide me with it immediately Also, it is an inconvenience to me when your company contacts me, or communicates with me through any medium other than the CFPB. I refuse to pay this alleged debt!! Please CEASE & DESIST all further communications with me, my family, my friends and employers; relating to anything in regards to me. IF you wish to communicate with me and me only please do so ONLY through the CFPB. I am aware that the documents you are going to provide is NOT verification of the alleged debt. verification of a debt is not an account statement or any of the documents you are going to provide. If you wish to validate the alleged debt I would like to see the actual accounting ledger which shows the source of funds being loaned out. A XXXX daily transaction log AND a binding contract between RADIUS GLOBAL SOLUTIONS & I. If your company can not provide this, then the debt can not be validated and you are legally required to delete the accounts from my consumer report. Also, could you please show me where a contract says that I agreed for non public personal information and/or transactions to be furnished on my consumer report? I would also like to see that you guys provided me with an option to Opt-out from such reporting. delete the account from my consumer report because it is false misleading inaccurate and is defaming my character and reputation causing me not to be able to obtain future credit and housing because of such false reporting. Your company actions are unfair to me and deceptive... if you can not show the required verification, you are legally required to delete the account from my consumer report. I am only giving your company 7 DAYS to complete such request. notice is considered given upon receipt of this email. please provide me with all the above documents/information I asked for so that I am able to verify that the debt is accurate, if you can not provide such please delete the accounts from my consumer reports immediately. I also would like to see that i gave you my permission/consent in your initial communication with me ( because you do not have the initial communication as required by law ) that you were able to prepare a report of my consumer character and report on my consumer credit report. If you can not provide the same then you are in violation of the FDCPA and are liable to me for my harm and actual and statutory damages. in the event that we can not come to an agreement, I will pursue this matter with arbitration or counsel.
Product: Debt collection

On my credit report XXXXXXXX XXXXXXXX is showing as an open account reporting 42 missed payments. I have disputed this account multiple time and always comes back as accurate, my credit report gets updated with another negative action. amount went up the first time, changed from charge-off to open account, then last 42 missed payments added. This made my payment history on my credit repot go from 100 % to 64 % and I lost my new apartment because of it. 

I contacted ally financial on XX/XX/XXXX at XXXX pst. I do have a recording of the phone call. The rep let me know since they no longer have possession of the vehicle ( it was repossessed in 2020 when i was not able to make my bankruptcy payments due to covid ) The rep told me the debt was sold to XXXX XXXX XXXX. 

There is also a lawsuit against Ally financial and in the lawsuit against Ally Financial Inc. is known as Ally Financial IncXXXX XXXX XXXX, No. XXXX THE SETTLEMENT BENEFITSWHAT YOU GET XXXX. What does the settlement provide? 

Ally has agreed to provide Class Members with settlement benefits valued over {>= $1,000,000}, which include : MONEY Ally will pay {>= $1,000,000} to pay Class Members, attorneys fees, and costs to Class Counsel and an incentive award to the Class Representatives. This amount is called the Cash Fund.

DEFICIENCY WAIVER Ally will no longer seek to collect a portion of any deficiency balance Allys records reflect as outstanding after Ally repossessed and sold the personal property. The value of this benefit to all the Class Members is at least {>= $1,000,000} and is called the Gross Deficiency Waiver Amount. The amount of the deficiency waiver will vary by Class Member, but will be at least the lesser of the amount of your deficiency balance or {$1300.00}. 
CESSATION OF FINANCE AND LATE CHARGES Ally will not accrue finance charges and late charges on Class Members deficiency balances as of the Effective Date of the settlement. 
CREDIT BUREAU REPORTING Ally will request that the three nationwide consumer reporting companiesXXXX XXXX XXXX XXXXdelete trade-line information on your credit report related to your account with Ally that is the subject of this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle loan with chase. Car was totaled, XXXX XXXX paid loan off and loan is still open and having a huge negative impact on credit score with the wrong not updated info. Loan should of been closed
Product: Debt collection

XX/XX/XXXX, I bought a XXXX XXXX XXXX from XXXX XXXX XXXX. It was financed by XXXX XXXX ( TX ). My note was {$400.00} a month. By XX/XX/XXXX, the XXXX was repossessed ; then sold to someone else. My last ( {$400.00} ) payment was around XX/XX/XXXX. Three months of nonpayment is {$1200.00}. Not {$5000.00}. Simple math. Accurate information. My account was closed by XXXX, filed with XXXX credit bureaus ( XXXX, XXXX and XXXX ), and now being pursued by debt buyer NCB Management based on false information. The ( {$5000.00} ) amount owed is wrong, not true. Credit bureaus, especially XXXX, never categorized it correctly on my report. It was never reported or filed as a vehicle repossession. Ive made several attempts ( submitted many disputes with supporting documentation ) from XXXX to have it updated or removed. NCB picked up on my falsely reported and classified ( {$5000.00} ) account in XXXX, I think. Recently, I filed another dispute. Credit bureaus and NCB keep moving the goal post. Now this verified and updated account is dated XX/XX/XXXX. So itll be another XXXX years before it comes off?! If I shut up and dont challenge them then itll stick and just be on my report until XXXX?! Thats XXXX years since I bought the car. It will be XXXX years since the XXXX was repossessed and sold to someone else. Thats insane!! This is harassment!! Isnt this breaking or violating a law?! Predatory lending and collection practices. Discrimination. Im sure not all repossession accounts are handled like mine. Credit bureaus are determined to let false reports, records, and debts negatively impact my credit score. For a while, my credit score was almost XXXX. Now I cant possibly finance a home with my current credit score or this stain on my credit report. Due to these false claims and financial predators, my credit has dropped to XXXX, according to XXXX. Theyre attacking my credibility! They keep their foot on my neck with frivolous charges! Just cant get to a XXXX credit score ; regardless to what I do to counteract this {$5000.00} lie! XX/XX/XXXX, I bought a car. Im still paying on it. My credit score averaged XXXX while I was in college with a XXXX. Now my XXXX  student loans are being addressed and have been updated steadily for the last year. But this random, inaccurate {$5000.00} car debt is still on my credit report?! Seven years later?! Nothing has changed in seven years. This SHOULD NOT be allowed to happen!!!
Product: Debt collection

Took daughter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Texas. 

Received bill from XXXX and paid bill. 

Received surprise bill from XXXX XXXX XXXX XXXX. Explained to them that XXXX was paid directly and under Texas law they would have to settle any additional bill through XXXX. 

" Bill '' was sent to XXXX XXXX XXXX XXXX in XXXX, XXXX Have never heard of this business, nor was I informed that anything was referred to them. 

Then XXXX XXXX XXXX sends fictitious bill to Phoenix Financial Services. 

I disputed the results of them placing a collections on my credit report. The disputed item was deleted. 

I consider continued efforts to collect on this item when it has been paid to the ORIGINAL creditor, which is XXXX XXXX XXXX XXXX and when the item has been previously deleted from my credit report to be a form of harassment. 

This item needs to be removed once and for all from my credit report and these accounts need to be closed. I want letters stating that this item has been resolved and these accounts have been closed. 

Under Texas Senate Bill 1037, consumer credit reporting agencies are now prohibited from including medical debt collection accounts in consumer reports.
Product: Debt collection

XXXX  XXXX XXXX - ACT # XXXX {$0.00} -- - {$500.00} -- -- - {$810.00} Opened XX/XX/17 This Item does not belong to me and I have tried disputing it with the credit bureaus and that have determined that it is my debt. This account was open fraudulently and is not mine. I have filed all police reports and ID theft.gov reports as well and submitted all to the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an unverified public record on my credit report multiple times over the past 4 months. The credit bureau claimed to have verified the public record with the court each time. Ive reached out to the court to regarding the verification of the public record that allegedly belongs to me. The court responded by saying that they do not report anything to the credit bureaus. Therefore the credit bureau must not be telling the truth about verifying the public record with the court. I have attached the courts response to this complaint. I sent the courts response to the credit bureau asking for them to immediately remove the unverified public record. However they refuse to.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.! 5 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

Experian has violated my consumer rights by reporting inaccurate information. The creditor has also violated my consumer rights by reporting inaccurate information to all bureaus. The creditor has not validated the 30-day late payment and is willfully causing further injury to me. I will submit another complaint for an opportunity to cure and expect this matter to be resolved immediately. 

I received a copy of my credit report and found the following item listed below to be an error. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a 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 21days before the payment due date. I NEVER gave EXPERIAN Reporting Agency OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EXPERIAN Credit Reporting Agency has caused severe stress and XXXX due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Mortgage

Many, many contacts with Morgan Stanley. Finally spoke with a XXXX XXXX from the servicer XXXX who admitted they made mistake in offering options during covid. Offered to send check for 4 months which was accepted. Now statement received for XXXX and they have added these payments to the balance which is now $ XXXX. I am afraid this was a rouse to XXXX us out of fees. Please help. Ms. XXXX barely responds to me. This company has acted in a vile manner. Can't imagine why they would offer to send a check and now place us in default.
Product: Credit reporting

I 'm XXXX XXXX, I 've been trying to solve this problem going on a year now, since I 've filed Bankruptcy 2014 and nothing is cleared off my Credit File, I filed a Chapter XXXX and it was discharge nothing has been remove from my Credit File, all three Credit Bureau keep transferring my information to each other NOT deleting, I also request to have the fraud alert remove from my Credit File and it has NOT happened, I 'm I 'm filing this complaint because I 'm getting the run around
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF MY PERSONAL INFORMATION BEING INVOLVED IN THE DATA BREACH. UPON INVESTIGATION I LOCATED ACCOUNTS AND INFORMATION BEING MERGED TO MY PROFILE THAT IS NOT MINE. 

THERE IS A INACCURATE AND UNVERIFIED XXXX  BEING REPORTED TO MY CONSUMER PROFILE AND PUBLIC RECORD. I'VE CONTACTED EACH BUREAU BY PHONE AND CERTIFIED MAIL. EACH BUREAU HAS NOT PROVIDED ANY ADDITIONAL INFORMATION. 

REPORTING THIS INACCURATE INFORMATION TO CONSUMER PROFILE IS IN VIOLATION OF 15 USC 1681, 15 USC 1681EB AND 15 USC 1681 C-2 I'VE ALSO CONTACTED THE CLERK OF COURTS WHO HAS CONFIRMED THAT THEY DO NOT REPORT ANY INFORMATION TO THE BUREAUS. FAILURE TO REMOVE THIS UNVERIFIED INFORMATION WILL RESULT IN LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am writing because I am having continuous issues with the three credit bureaus and my credit report. I have sent numerous letters to the credit bureaus and I have even submitted a few complaints with CFPB and I am now submitting this complaint again and a complaint with the FTC. On XXXX, XXXX, and Experian they're reporting portfolio recovery accounts that are in violation of 15usc 1681e-d. These companies like to get away with whatever they want. I have sent numerous letters to the credit bureaus and the only thing that portfolio will send me is a bill that is not validation of a debt. They have never provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXXXXXX XXXX. That means I have no contractual agreement to pay them an alleged debt. I am also writing here because XXXX XXXX agreements is reporting an account as an installment account and it is a sales agreement please delete this account from my report immediately, thank you.
Product: Debt collection

My wallet was stolen from my car years ago and multiple credit accounts were opened in my name. I attempted to have this debt removed by disputing, but received no help from the company. I am receiving harassing phone calls for debt that isn't mine. 

I experienced a traumatic experienced being a victim of vandalism and identity theft. I would appreciate the company removing the fraudulent accounts being reported to my credit file.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I had fraud transaction 4 times each of XXXX $ ( Total {$3800.00} Approx. ) in less than 5 minutes and I did not get any authorization code from western union. As soon as I checked my email that my money got transferred, immediately I approached Western union saying that I had a fraud transaction they filed a case and given me the case number and told me to file a police complaint. Then I went to my local police station and filed the complaint. But western union was not helping me with any updates or information regarding the fraud transaction. Somebody stolen my money using my identity from a foreign location and they authorized and approved the transaction. They did not even care to notify me via email or ask me for a validation. Even after repeated calls their response was they were acting like it was my fault as my money was stolen by somebody through them. They are not even ready to share how that happened and they only wanted to talk to police.
Product: Credit card or prepaid card

I filed a complaint and dispute with Synchrony bank at the time of the fraud it was GE capital. I have won the dispute and i can not get the refund. I was told that everything charges and fees have been credited to my account back in XX/XX/XXXX. It is now XX/XX/XXXX and when i ask as to where my refund is I am now being told that they need copies of all the checks proving that i made the payments. This goes back to XX/XX/XXXX and i have been fighting this dispute for 6 years. The amount owed is close to {$2000.00} and i want it now. 
I have XXXX XXXX XXXX and XXXX XXXX. I can not chase around to find all of this. they also stated it would take 6 to 8 weeks to get a refund that was approved back in XXXX. 
Every time I call for the status i get transferred at least 5 ( FIVE ) times  and no one can see that i have a credit they just see that my dispute was accepted and i have won my claim.
Product: Credit card

I have called and attempted to talk to somebody to remedy the problem at least 20 times. When I called and reached someone they dont understand English very well and I couldnt get anywhere. I called at least seven times today today and it go to someones voicemail but they dont allow you to leave a message. They only suggest that you use another way to contact them, which Im not sure what that would be. I also emailed them. Please see the screenshots attached. My complaint is against Citi card.
Product: Credit card or prepaid card

so I changed my cards from the XXXX XXXX XXXX to the explore when I changed products I was informed I would not get the annual fee of the XXXX card until next year for the XXXX they charged me this year for it and because of the corona virus too I can't even really use much of the benefits this year and I knows that exactly was I told before ic hanged cards but no one will help me to waive the annual this year I have sent several email about it and no one want s to help I know what I was told and no one wants to believe me.