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

15 USC 1681 Section 602 states I have right to privacy.

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

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC1666B 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: Credit card or prepaid card

I have spoken to Barclays bank in the last 10 months I would estimate XXXX to XXXX times, first they promised me that this is not my responsibility and then renege, now they have done it again after 10 months and releasing the original application to me, which proves that I did not open this card, please help
Product: Checking or savings account

Ally Bank XXXX XXXX XXXX Account : XXXX - Missing financial trades and missing account balance. Missing transfer activity from XXXX Account into XXXX account. 

Holdings of XXXX missing from all devices. 
Overall account balance is missing money. 

Verified on numerous occasions and devices. Contacted Ally Bank numerous times regarding this issue to no avail, spoke with XXXX ( investment ) who was not helpful. 

Account XXXX reports {$73000.00} however correct balance should be approx ( depending on investments returns on XX/XX/2024 ) {$74000.00}. No explanation provided from Ally Bank investments. 

This account trades regularly so not having access to my account and incorrect balances will cost me money. 

Additionally Ive screen captured my account on numerous devices displaying no trades, no holdings, and incorrect balance however do not want to attach them to this complaint for security purposes.
Product: Debt collection

I moved out of XXXX XXXX apartments XX/XX/XXXX. They have not contacted me in any way about owing them money. Last week I received a letter from IQ Data International claiming I owe XXXX XXXX Apartments {$890.00}. I called asking about this because I haven't been contacted by XXXX XXXX at all. The lady that answered argued with me that I did receive a letter from them so I told her to prove it since she knows that I received it. She yelled at me about arguing so I said not to contact me again. She made some threat that I didn't hear all of and I hung up. Today, XX/XX/23, they called my wife, who isn't listed on the alleged debt 4 times. They also called my sister a few times as well. My sister has absolutely nothing to do with XXXX XXXX or the lease or the debt. There is no reason for them to be harassing my sister or my wife. They called me 4 times today as well. I have no idea how they got my family 's phone numbers but this is highly inappropriate and this whole thing reeks of a scam. They didn't even send the debt letter to the right address, they sent it to my apartment at XXXX XXXX. I received the letter only because XXXX setup address forwarding with the post office. I have no evidence that I owe XXXX XXXX anything so this company needs to leave me and everyone I know alone.
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/2023, we transferred {$1800.00} USD to XXXXXXXX XXXX XXXX using Wise ( https : //wise.com/us/ ). We paid in USD and Wise converted the amount to XXXX ( {$1500.00} XXXX XXXX since XXXX XXXX is located in the XXXX XXXX. 

We followed up with XXXXXXXX XXXX  immediately after sending the payment via Wise and for several weeks afterwards. She did not receive our payment. She contacted Wise several times and Wise stated she they were unable to talk to her or assist her since she is not the sender. XXXX also worked with her bank and they confirmed our payment was not received. She has bank statements to show the payment was never received. 

XXXX was advised by her bank that we ( the sender ) needed to recall our funds to ensure we did not lose the money. We recalled the funds and received the money back in our bank. However, Wise is now saying we recalled the money from them and we owe the amount back to them. 

I do not believe we owe this money to Wise because the service they provide was not fulfilled. I do know where they transferred our payment to but it was not the intended recipient. We have been working with Wise customer support since early XXXX and they took weeks to investigate and trace this issue with the recipient 's bank. Wise has completed the trace and said : Regarding your recent error request and claim, we appreciate your patience. 
Weve finished investigating to determine whether the funds were completed by Wise and sent to the recipient 's bank account. What weve found from the trace is that the funds were completed and sent to them in XXXX, but the recipient 's bank converted them to USD. You have the right to request any documents weve relied on in our investigation to come to this conclusion. We have requested documents from the investigation and have received nothing. We simply do not agree with the conclusion to their investigation because the recipient never received our payment and has the bank statement to provide it. 

Wise has threatened collection and legal action to us several times. We dont know what else to do and any help you can provide would be much appreciated. This is a lot of money and we do not believe we should have to pay Wise since our payment never reached the recipient. Please let me know if you need any additional documentation. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX a ( 30 ) day late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I never received this statement in the mail and when I realized that I never got it, I immediately called and made the payment. I was assured by the representative that there would be no late reported and that the account was still in good standing. I have never missed a payment on this account and this late payment that is reporting needs to be removed. This false reporting of a late is seriously harming my credit score. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Mortgage

In the beginning of XX/XX/XXXX, I spoke with XXXX XXXX, my account manager and advised that Id received a check from my insurance company for roof damage and needed the correct process to get the check released as both my name and the mortgage company was listed. I was advised to start the " loss draft '' process. The first step was to send the check and insurance documents to a XXXX IL address, which was incorrect. A week later, I received a packet which instructed me to send the check and insurance documents to a XXXX Tx address which was done. I placed a follow up call on XX/XX/XXXX and was told by the same account manager that my documents were received and that I would need to send additional documentation as my claim is monitored due to default. I advised him that my payments are current ; which he agreed and stated that the system is showing the payment amounts in a suspended status. He explained that he had to reach out to the accounting department to have the payments applied. However, my loss draft claim/insurance check payment will be delayed as a result of the misapplied payment. In the interim, the repairs on my home are still in limbo-almost 2 months later. This is the 3rd time in less than a year that Ive had payment processing issues with Fay Servicing. Im not sure that this is legal. 
1.My ask is that my payments are updated in the system as expeditiously as they are withdrawn from my bank account. 
2. Please ensure that my insurance check is released within the 3 day period as with all good standing accounts ; which was outlined with my original documentation- 3. Please coach, teach and train your associates. " Im not in Loss Draft '' is never an acceptable response when a customer has an unresolved issue.
Product: Checking or savings account

I made XXXX purchases on " XXXX '' store trough the payment processor " XXXX '', the merchant never sent the items to my address and also never provided any tracking, shipment or delivery information. I sent many emails to them asking about this but the never replied. 
So I need to open dispute for " merchandise not received '', all of these must be delivered on or before than XX/XX/XXXX, and the last email sent to the shop was on XX/XX/XXXX. 

XXXX ) XX/XX/XXXX {$870.00}, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Right now im traveling overseas so I couldnt contact the bank trough the call center
Product: Credit card or prepaid card

See attatched USAA Mastercard Account XXXX XXXX Statement of XX/XX/2014 transactions {$100.00}. I DID NOT CHARGE TRANSACTIONS. I DID NOT OPEN THIS ACCOUNT. WHAT HAPPENED TO THIS ACCOUNT? HOW? WHY? ARE THERE NO RECORDS THIS ACCOUNT EVER EXSISTED. WHAT IS GOING ON AT USAA?? HOW LONG HAS IT BEEN GOING ON? 1 ) What method was used to ACTIVATE THIS CARD? 2 ) What date was it activated to post these transactions? 3 ) How it was " VERIFIED '' IT WAS ME? FURTHMORE : 4 ) USAA required under FCRA to have a copy of the Original Documentation a Consumer Application & Contract with my Signature to open this account as required under SECTION 609 a 1 A & SECTION 611 a 1 USAA have failed to provide Method of Verification as required under SECTION 611 a 7. This is in Violation of Federal Law. I DID NOT OPEN THIS ACCOUNT. I DID NOT ACTIVATE THIS CARD TO POST FRAUDULENT TRANSACTIONS.
Product: Debt collection

Disputed twice currently XXXX dispute XXXX as of XXXX separated told XXXX XXXX divorced XXXX was not at that address at all since XXXX this is not my bill {$210.00} XXXX XXXX now it is in collections which affects my credit report me and my x just completed bankruptcy court now this!!! I did not make this bill XXXX XXXX {$210.00} said so twice to XXXX XXXX must been signed in my name I refuse to let this affect my credit report after going thru bankruptcy please help!!!
Product: Debt collection

After reviewing a copy of my credit report, I noticed two collection accounts placed on my credit report from Americollect. I also am a victim of identity theft but because I have no idea and never been contacted by this company I am unaware if this is an account that falls under one of the fraud accounts. Therefore I am requesting that you allow my attorneys and me to validate these alleged debts. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients ' signed authorization. I have never given the authorization to release any information in accordance with my rights under HIPAA. Therefore, my request is three-fold validation of debt and HIPAA authorization. Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also, provide an original copy of the contract with the original creditor that gives you the right to collect debt pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by my attorneys and I. Furthermore until a debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated by my attorneys and I. Please send this information to my address listed or to through the CFPB portal and accept this letter sent via the CFPB complaint portal as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with the above requested proof. Upon receiving it, attorneys will correspond back by certified mail.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This letter is being sent in response to inaccurate and damaging information reported to the Credit Bureaus by CarMax Auto Finance regarding my account, causing significant negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim and requesting validation. 

The information currently reported on my credit file with XXXX, XXXX, and XXXX includes the following inaccuracies : Account Number : XXXX Open Date : XX/XX/year> Loan Amount : {$15000.00} ( This amount is incorrect. ) Status : Reported with late and derogatory information This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION under the Fair Credit Reporting Act. I respectfully request that you provide competent evidence that I have any legal obligation to pay you regarding this account. Please note that my vehicle was stolen, and my claim with XXXX XXXX is still open under Claim No. XXXX. XXXX is currently assessing the situation, and no final determination has been made. 

CarMax Auto Finance never contacted me after they took possession or repossession of the vehicle. When my vehicle was recovered, CarMax discarded my personal belongings valued at approximately {$30000.00}, which included irreplaceable items. Given that CarMax failed to notify me, and this claim is unresolved with XXXX, I am requesting that all negative and derogatory information be removed from my credit report immediately. 

Please provide me with : 1. Documentation of the debt, including the correct amount, as the original loan amount reported is inaccurate. 



If your offices can provide proper documentation as requested, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. 

Furthermore, if any actions are taken that could further impact my credit negatively during this validation period, I will consult my legal counsel for possible action. This includes listing or verifying inaccurate information with any credit reporting agency, especially without proof. 

I also request, in writing, that no telephone contact be made by CarMax to my home or place of employment. If CarMax or its representatives attempt to contact me via phone, including automated calls or calls to any third parties, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be conducted in writing and sent to the address noted in this letter by XXXX. 

It is advisable that CarMax ensures its records are accurate and corrected before I am forced to pursue legal action. This is an attempt to correct your records, and any information obtained shall be used for that purpose. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a XXXX XXXX and XXXX XXXX. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the Equifax XXXX XXXX, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX - XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the Equifax XXXX XXXX, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

IT IS INFORMATION ON CREDIT FILE THAT DOES NOT BELONG TO ME I HAVE NOT GIVEN MY INFORMATION TO ANYONE FOR THESE ACCOUNTS I DID NOT RECIEVE ANYTHING FOR THESE ACCOUTS IT IS ADDRESSES AND INQUIRIES AS WELL. I HAVE FILED ALL OF THE REPORTS WITH THE POLICE AGENCY AND FTC. ALL THE ACCOUNTS THAT NEED TO BE REMOVED ARE AS FOLLOWS 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
Product: Money transfers

XX/XX/2016 - centurylink account closed XX/XX/XXXX - centurylink withdrew funds via ACH without authorization Calls made to XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all time they acknowledge {$81.00} refund owed because of accounting error. Promised date of funds return past multiple times. On XX/XX/XXXX representatives stated charges would be reversed on the same day as they should not have been charged. At 1 month + since that date with no refund. Multiple calls to reps whom state an additional 7-10 days to process for every call date listed above. Fraudulent ACH withdrawl claim processing through bank as XXXX refuses to refund fraudulent ACH withdrawl.
Product: Money transfer, virtual currency, or money service

To whom it may I concern I need all my money back Ive been trying to track for months and years now 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 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.

I want the CFPB to publish this
Product: Credit reporting or other personal consumer reports

I have tried for months to dispute this inaccurate information listed on my credit report, under the payment history of my student loan XXXX accounts. There should not be any late payments reporting under the payment history. I was on a forbearance program and this was during COVID-19. I have reached out to the 3 credit bureaus month after month to get them to help me reverse the late payments under five of my student loan accounts. The late payments listed under all 5 accounts are not accurate since the late payments go from on-time to 90 days late which is entirely inaccurate and against the accuracy law of the Fair Credit Reporting Act.
Product: Vehicle loan or lease

My vehicle was repoed on XXXX XXXX my late car payment wasn't due til the XXXX a unidentified tow truck came and took my car at XXXXXXXX XXXX  on the XXXX and didn't give me any paperwork... on XX/XX/XXXX my car was then sent to auction XXXX hours away in XXXX XXXX XXXX.I pd my car up to date by the deadline on the XXXX of XXXX... I was told I needed to get the name of the tow truck company so I called global lending and they said they can't give that info so they told me to call loss prevention which they said call the tow yard whom turn around and said call ur lender XXXX XXXX XXXX I'm so frustrated no one will give me this information I don't know what to do please help me..if u need more information please email me.. 
Thank you have a gd day Sincerely
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation started on XX/XX/year> and ended XX/XX/year>. I request an immediate re investigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( public Law 91-506 ), Title VI, Section 611, Subsection 1-D, Please provide me with the names and business addresses of each individual whom you verified and validated the above information with, so that I may follow up accordingly.Additionally, please send me a updated copy of credit report after completing your investigation. 
XXXX name : XXXXXXXX XXXX XXXX  Account number XXXX XXXX