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

There are 3 accounts that are being reported inaccurately. I reached out to the companies in writing XX/XX/2020. It is now XX/XX/2020 and they never responded in accordance to FRCA guidelines. 
1. XXXX Charge off 2. XXXX XXXX - 60 day late never been more than 3 days late 3. XXXX XXXX- 30 days late not true they fixed it but have not updated with credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.
Product: Debt collection

I was and am i victim of cyber attacks cyber crime and identity theft. It has stemmed XXXX and has bled to other reporting agencies. I am the victim in this yet i am treated by some like the account originator. Yet i am not. 

World finance has been notified and asked via disputes/SINCE XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX and i have talked with them over and OVER. Yet i am being told that they have factual information. No they don't. One they has lost the original documents, I was told by a local world finance store. Two they  refuse to give me ANY information about the LOAN other than they want me to pay for it*settlement*. They charge it off and off changing the price up and down to adjust activity to lower my credit. The Bureaus always allow them. Ridiculousness and criminalistic in nature and it directly violates the FCRA and my rights. I have done all that has been asked of me FROM all parties. 

My entire identity and life was stolen from Drivers license, birth certificate, social security card. All from cyber attacks cyber crime and identity theft. Had financial take overs in multiple accounts. And not just in the first settlement with XXXX  but the 2nd NOW. 
I am attatching to very first and ONLY thing i have received from the company. And i refused to settle for anything because it is not mine. Remove surpress and delete. This is what ive asked. I desperately need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to use my Equifax account to login to My.Equifax.com on the evening of XX/XX/2020. The account didn't work. I then placed the following calls with the details of the call. 
XX/XX/2020 XXXX XXXX  CST - Talked to customer service Their system was updating so nothing could be done. 
XX/XX/2020 XXXX XXXX  CST Talked to customer service and reset the password. Tried it and it failed. Told to try again in 30 minutes. Tried it the next day, still failed. 
XX/XX/2020 XXXX XXXX CST Talked to customer service and reset the password. Tried it and it failed. Told to try again in 30 minutes. Tried it two hours later, still failed. 
XX/XX/2020 XXXX XXXX CST - Talked to customer service Their system was updating so nothing could be done. 

When ever I've tried to deal with Equifax it's been a hassle.
Product: Checking or savings account

On XX/XX/XXXX at XXXX PM, I received a text from " Synovus Fraud Dept '' asking if I attempted a transaction of {$86.00} at XXXX XXXX XX/XX/XXXX. The text indicated that I should type XXXX. If NO I would receive a call from customer service shortly. I said NO since I didn't make a purchase at XXXX, and received a call moments later. The gentleman on the other end of the line explained that he was from Synovus Bank and proceeded to ask me to verify information to make sure it was me. He asked me for my mobile banking id, and at the point I asked him how I knew this was the bank. He told me to check the phone number on back of my debit card and I would see that phone number he was calling from was in fact the bank. I checked and the phone number was from the bank. He asked me for my information and sadly I gave it to him thinking he was a customer service person at the bank. He then told me that someone was attempting to make a XXXX ( someone named XXXX ) transaction on my account in the amount of 250 and he asked I authorized that transaction. I said no I did not. He said, OK, you will be getting a text in just a bit asking you if you authorized, go ahead and answer yes, because if I answered yes, he would be able to stop it from the bank, if I said no, I would have to dispute with XXXX. Believing him, I said yes. Then I got another text from someone else saying that XXXX requests {$240.00}. I was starting to get a little nervous and suspicious and he kept putting me on hold and then he disconnected. I immediately called XXXX XXXX at XXXX and held on the phone for about 20 minutes. Finally someone came on the line and I explained what had happened. They immediately froze my account and cancelled my debit card. I was advised to go to a branch the next morning and speak to someone there about what happened. I did that the very next day. I went to the XXXX, GA branch and spoke to XXXX. I was there for about an hour. We ended up closing my account that I had had for 30 years and cancelling my debit card. In the meantime the bank put a hold on my account for online service for 60 days! Of course my XXXX was also disabled. 
I received a letter from Synovus on Friday the XX/XX/XXXX stating that they had done a " thorough '' investigation and decided that I approved those XXXX transactions and I would not be reimbursed. This is absolutely ridiculous since the scammer got my phone number from them in first place! Synovus was compromised! Their phone number was spoofed and somehow, I'm out close to {$500.00}. When I called Synovus on XX/XX/22 to find out why they had come to this conclusion, since no one called me or asked me anything about what happened before making the decision, they told me I would have to take it up with XXXX. When I call XXXX on XX/XX/22, the automated answering service says that I have to go to my Financial Institution. 
If the bank didn't know I had been scammed, why did they close my account and why is my account blocked for online banking. 
I did everything in my power once I figured out that I had been scammed. I did everything they told me to do. 
Please help in any way possible.
Product: Checking or savings account

I made a mobile deposit on XX/XX/XXXX which is deposited on XX/XX/XXXX. I made my mortgage payment & other transactions on XX/XX/XXXX. Now BBVA Compass is charging me {$160.00} in fees for those charges on XX/XX/XXXX.  Screen shots of my bank activity from my BBVA Compass mobile app are attached for your reference. After 2 hours on the phone with various people & a trip down to my local branch, I was told they will not waive these fees that are clearly errors within their system.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue regarding the completeness of the information on my consumer report. 
After reviewing my credit report, I noticed that in reference to my account : - XXXX XXXX XXXX XXXXXXXX my credit limit is being omitted, which is a direct violation of federal law under 15 USC 1611 .

15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

According to 15 USC 2069, each day that this omission of my credit limit was furnished to my consumer report shall constitute a separate offense, constituting a separate fine ( of {$5000.00} according to 15 U.S. Code 1611 ) for each day. 

15 U.S. Code 2069- Civil penalties ( a ) Amount of penalty ( 1 ) Any person who knowingly violates section 2068 of this title shall be subject to a civil penalty not to exceed {$100000.00} for each such violation. Subject to paragraph ( 2 ), a violation of section 2068 ( a ) ( 1 ), ( 2 ), ( 4 ), ( 5 ), ( 6 ), ( 7 ), ( 8 ), ( 9 ), ( 10 ), or ( 11 ) of this title shall constitute a separate offense with respect to each consumer product involved, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations. A violation of section 2068 ( a ) ( 3 ) of this title shall constitute a separate violation with respect to each failure or refusal to allow or perform an act required thereby ; and, if such violation is a continuing one, each day of such violation shall constitute a separate offense, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations. 

It is crucial to have accurate and complete information on my credit report, and the omission of my credit limit hinders a comprehensive understanding of my creditworthiness. As per the Fair Credit Reporting Act ( FCRA ), furnishing companies are required to provide complete and accurate information to credit reporting agencies.
Product: Money transfer, virtual currency, or money service

Hello. 
On XXXX XX/XX/XXXX, I created a request to transfer my funds in the amount of {$XXXX} from XXXX XXXX XXXX to XXXX XXXX The correspondent bank was Citibank NA. Citibank blocked my transfer because XXXX was sanctioned. I applied to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) for a licence to unblock my funds and put them back into my XXXX XXXX account. 

On XXXX XX/XX/XXXX, I received a licence from XXXX to unblock the funds and return them back from Citibank to my account at XXXX XXXX XXXX XXXX XXXX XXXX I forwarded the licence to XXXX XXXX profile department to handle the refund process, they in turn forwarded the licence and the request to Citibank to unblock and refund the funds. To date, Citibank has not returned my funds and does not respond to my requests and does not comment on the status of the return. 

I ask you to sort out this situation and help me to return my funds back to my XXXX XXXX  account.
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 process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulations e. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character
Product: Debt collection

On XXXXsecurity finance of XXXX tn contacte XXXX of my employees/coworker and said they were going to garnish my wages. I do owe the company and I am making payments. I asked them in never to contact me at work and now they have tarnished my name.
Product: Checking or savings account

Wells Fargo is sending letters every other day, phone calls every day. Enough is Enough. Please advise me on what attorney you all have used. I would appreciate it very much. Wells Fargo always say they are still working on it and no results yet. Please help me to sue Wells Fargo? XXXX XXXX filed Bankruptcy because XXXX can not continue to be harassed by Wells Fargo for something she did not do. XXXX is under XXXX XXXX now. All we need now is to clear XXXX XXXX XXXX name. XXXX XXXX XXXX did not do it either. We know Wells Fargo is not going to do anything. Wells Fargo is proving it to us and to you all. Thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XX/XX/2024 I C SYSTEM COLLECTIONS XXXX XXXX XXXX XXXX XXXX MN XXXX To Whom It May Concern : This letter is being sent to you in response to a notice sent to me on ( Date ) or a listing on my credit report ( Choose Which Sentence Best Represents Your Situation ). Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. 
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this debt validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately. 
( OPTIONAL CEASE & DESIST ) I would also like to request, in writing, that your offices make no further telephone contact to my home or place of employment. If your offices continue to attempt telephone communication with me, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 
Best Regards, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 I visited the banking center to negotiate a money order I had purchased. The bank teller was not very polite when servicing me. She looked at my item as if it was foreign currency, when it was simply a money order fro XXXX XXXX. After looking at the item, she looked at me with a haste and treated me as if I was a suspicious customer or something. I felt totally uncomfortable when doing business on this day with Bank of America, and it is not the first time or banking center that has made me to feel very uncomfortable when doing business. I have a goals of purchasing a home in the near future, as well as supporting all of my children 's education with investment accounts to meet their future financial needs. 
I attempted to cash or deposit my money order for the amount of {$500.00}
Product: Credit card

I recently applied for a refinance loan through my local credit union and was denied because XXXX-XXXX card reported last year that they closed an account of mine in XXXX due to bankruptcy. I had a bankruptcy fully discharged in XXXX. Now this report looks like I have a bankruptcy in XXXX thus impacting by credit and ability to borrow money. I also contact XXXX directly because this only reported like this late last year and never showed like this beforehand.
Product: Debt collection

I never received any documentation from this 3rd party collection agency stating that they have legal rights to report on my credit report, the amount is inaccurate. The collection agency is failing to report the correct balance ( reporting a higher balance than what is owed ) The original creditor is XXXX XXXX and it shows closed on my credit report. I also informed them that by them reporting it is impacting my credit score because it is being reported twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to Equifax was dated XX/XX/22 but I never received a response from them. The account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If Equifax do not validate the account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Account Number : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

This company is charging an illegal amount of interest on the loan that they provided for the purchase of my dog from my family. I did not realize that they were charging 139 % interest when I started doing a little research after getting the loan I found out that it is against the law and it is usery laws. I contacted the company asked them to confirm what my interest rate was. They confirmed that it was 139 %. I advised them that that it was illegal to charge that amount and the person that I was talking to was a supervisor and said that he didnt know that it was illegal. I asked him what they were going to do about it and he didnt seem to know what to do so I put a stop payment on any payments going to them and told them I would be contacting the consumer protection bureau and the XXXX XXXX XXXX  and any kind of government agencies that could help with this to put a stop to this predatory lending.
Product: Checking or savings account

Bank account opened with TD Bank. My XXXX reported it and I contacted the banks fraud department to report the issue. I received two emails from TD Bank that welcomed me to my new account.
Product: Debt collection

XXXX XXXX XXXX is attempting to collect on a debt that was sold to them by Barclays Bank Delaware/Navyist in which I did not give permissible authorization to sale my personal Information. I had no agreement or business with XXXX XXXX services. I sent in a notice requesting XXXX XXXX services send in debt validated documents in which they could Not produce. It is illegal to report information on my credit report without my consent. I didnt ask for billing statements also As I stated before, I have never done business with XXXX XXXX XXXX XXXX XXXX I didnt give permissible authorization to Barclays Bank Delaware/Navyist Rewards Mastercard to sell my information to this third party which categorizes as identify theft.According to the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report in which you have failed to do so. Under law FCRA section 605B it is illegal to report information on my credit report without my permission. Remove this from my credit report.
Product: Credit reporting or other personal consumer reports

My account with ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I attempted to resolve this debt with RentDebt Automatic Collection LLC. 
I was not aware of this debt of XXXX until this week, I lived at XXXX XXXX  at XXXX XXXX in XXXX, faithfully paid my rent for 44 months without ever being late, they are stating this is the charge for not giving a 30-day notice before moving out which I believe is unfair to a women my age, although again I was not aware of this debt, in good faith I called to try and resolve this issue, making them aware of the fact that I am XXXX XXXX XXXX on fixed income with very little money to spare. I am willing, not able to settle for 50 % leaving me very little to live on but I believe in taking care of my personal issues. They are refusing to do anything more than 30 % which I am unable to afford. 

I NEED HELP with this matter ASAP. I am attempting to do the right thing. PLEASE HELP Thank you!
Product: Credit reporting

I sent in an Identity Theft report stating that accounts were not mine. The credit bureau refuses to remove this information.