23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have tried to resolve this account from this company numerous times, I previously had identity theft and have provided information to this company numerous times. How can you report a debt when a person has told you they are a victim of identity theft and the account is not accurate. This should not be reporting on my credit report, this needs to be deleted. I have been a victim of identity theft for years and this is still causing XXXX  and XXXX. Sending screenshots from a previous company does not show that this account is valid, when people can fill out information online or report anything that is not accurate. If you know that all data on an account has doubt and not for sure its no way this this ethical to report.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Balane, XXXX Account Name : [ XXXX  ] Account Number : [ XXXX ]
Product: Credit card

Recently I Applied for a Synchrony Bank XXXX XXXX XXXX XXXX  advertised it on website ) to help with car and vehicle expenses! The denial reason was That I owed synchrony bank on a prev credit line! This is just to resolve the credit line and or settle this matterXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im now starting to get back up on my feet! Ive also has several other Synchrony Bank Cards others one of them I owe a balance on being XXXX XXXX card! Im requesting to again settle and or resolve this and would like to ask and or offer the following! 

XXXX XXXX of the what seems to be XXXX balance as before anything happens I tried making small payments and got the account down to such a low amount and tried to do right by synchrony bank and let me immediately reapply and or have my application reconsidered as such! 



Im willing to resolve this and pay the XXXX balance on the following stipulation and all of them have to be met! 

XXXX. The XXXX  XXXX card is taken out of synchrony banks system and not used against me! 

XXXX. The XXXXXXXX XXXX XXXX I applied for is reconsidered and approved amount based on credit worthiness and up to synchrony bank XXXX. XXXX XXXX XXXX Removed from credit Bureaus I would need the payment address to send the money order and or check! 

If you sign and or date the check and cash it The Bank Agree that they then are entering into the above agreement and must obide by such!
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Under 15 USC 1681c-2 ( a ), any information resulting from fraudulent or unauthorized activity, including accounts affected by a data breach, must be blocked and removed from my credit report if requested. I sent Transunion a copy of the FTC report stating that this XXXX XXXX account is fraudulent and is not mine asking them to remove it. But instead of removing the fraudulent XXXX XXXX account they removed a personal loan from XXXXXXXX XXXX  that wasnt disputed. They are blatantly manipulating my credit report in a negative manner. Enclosed is a copy of the FTC report as well as a letter from XXXXXXXX XXXX. Thank you.
Product: Prepaid card

This is now the " FOURTH TIME I AM FILING AGAINST US Bank ReliaCard '' XXXX BECAUSE I JUST FILED IDENTITY THEFT ON THEM SINCE THEY NEVER UNLOCKED OR UNFROZE MY ACCOUNT AND KEPT {$10000.00} FROM ME BACK TO XXXX AND XXXX, PLUS THEY STOLE FROM more than XXXX people 's money for disaster relief during the covid situation back in XXXX. Their time started from XX/XX/XXXX through XX/XX/XXXX. 
I unfortunately was incarcerated for 2 months during XXXX and XXXX of XXXX and when I got out I noticed I had XXXX charges that were fraudulently used by my cards or somebody while I was in XXXX, XXXX and possible for me to have done it which I provide the information to us Bank ReliaCard people which they said they would send me a new one and cancel that one and two file an identity theft report. Which I did and then the next thing I know I get my new card in the mail and they will not activate it because they said my account has been frozen due to fraudulent activity I said yes I know I'm the one who called you guys about the fraudulent activity cuz I'm out {$770.00} and I filed identity theft report as you asked and uploaded the documents to them and they gave me the runaround for 90 days all the way through XXXX of XXXX which is now 120 days so that they would not have to pay the claim or any more money to me unbelievable I can not believe that I had to go be evicted got my car repoed was homeless hungry back at the end of XXXX and the XXXX of XXXX had to endure this fraudulent bankster activity and lies while US Bank employees embezzled the money. Since then I have a claim form that sent to me almost a year ago now on XX/XX/XXXX of last year telling me that they're going to make right for the XXXX XXXX that you guys had them rightfully set up on a trust fund to pay us back for all the damages they did to our lives back then and they're doing the same thing again deny deny deny my whole claim they denied the whole thing saying I didn't send them any documentation which is a bold-faced lie I sent them exactly two full packets of what they asked for the password or archives and they know that so they're asking for provide paperwork they know that we are unable to do deny. Then I filed another claim through you guys on XXXX of this year and they paid the claim originally filed for {$770.00} from XXXX and XXXX years ago not the XXXX they owe me for the repossession to car the XXXX they stole from me and the {$10000.00} eviction that I had to go through and the homelessness that I went through in XXXX. THIS HAS TO STOP US BANK IS BEING FRAUDULENT AGAIN THEY ARE NOT ADHERING TO ANY RULES, PAYING BACK ANY CLAIMANTS... YOU MUST STOP THEM I HAVE FILED AN FTC REPORT AND WILL PROVIDE THE NUMBER RIGHT NOW AND UPLOAD THE DOCUMENT TO YOU AS WELL PLEASE HELP I CRIED A SORROW UPON SORROW OVER THIS EVERYDAY TELL THE WHOLE WORLD US BANK IS STILL FRAUDULENT AND XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo N.A. has delayed the closing of my mortgage loan putting our {$20000.00} deposit in jeopardy constantly requesting conditions for which have already been provided multiple times. Their underwriter refuses to actually review the documentation provided but seeks to consistently return the file without resolution or completion of the conditions.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX 1681. 




XXXX XXXX XXXX Account number : 25 UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I just recently looked at my Experian credit report XX/XX/XXXX. I saw some hard inquires that did not have permissible purpose. i also attached evidence. 

XXXX XXXX - XX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXX XXXX XXXX XX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXX XXXX XX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXX XXXX - XX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXXXXXX XXXX XXXX - XX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXX XXXX - XX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent Outsourcing Inc. is reporting to all three credit bureaus that I owe them a balance of {$1300.00}. I never engaged in any business affairs with Convergent Outsourcing Inc . I disputed it previously and both the company and the credit bureaus never provided me with a signed contract with Convergent Outsourcing Inc. with my signature. A collection bill is not a validation of debt and I have a right to be provided with proof of my direct business affairs with them.
Product: Checking or savings account

I have held accounts with Ally Bank for many years without issue, until recently. Through what I believe was malware infected onto my phone, several fraudulent transactions through XXXX XXXX and XXXX took well over {$2000.00} out of my checking account. The transactions appear as though they were sent to my life partner, XXXX XXXX, but none of the transactions arrived in his account. All of the money was siphoned off to a still unknown source. XXXX XXXX refuses to delve into the transactions because they appear to have gone to someone I know, despite repeatedly telling them the money never arrived where the transactions state. So I disputed the transactions through Ally. For reasons that have yet to be fully explained to me, the Ally fraud department has locked me out of my account while they " investigate '' the matter. I have called the Ally fraud department countless times, and am told nothing can be done at all until the investigation is complete. While I appreciate them investigating the fraudulent transactions, this has completely cut me off from all of my money. My rent, student loan payment, internet bill, and phone bill are all late. I have no money to buy food or medicine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally has effectively ruined my life by locking me out of my account. I do not understand why a fraud investigation necessitates the account owner being completely cut all from all of his or her funds for an unspecified amount of time. I have been told it may take up to 90 days to resolve the investigation, which I find completely unreasonable. I would like to ask you reading this now, what if this happened to you? What if a crime happened to you where money was stolen right out of your bank account, and once you reported it to the bank, they completely locked your account, leaving you unable to pay any bills, buy food, or buy medicine? Would you find that acceptable?
Product: Student loan

SPREADSHEET OF STATEMENTS I CREATED OFF THE XXXX XXXX STATEMENT THROUGH XXXX XXXX STATEMENTS RECEIVED MONTHLY FROM XXXX. AFTER PAYMENTS WERE APPLIED. AFTER XXXX XXXX PAYMENT. ALL 4 LOANS TO CHANGE TO XXXX XXXX XXXX 24 MONTHS ) PAYOFF DATE XXXX XXXX. 
ATTACHED SPREADSHEET AND AMORTIZATION SPREADSHEETS. BASED ON 24 MONTH PAYOFF PLAN ON ALL 4 STUDENT LOANS.
Product: Credit reporting or other personal consumer reports

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 All these account were paid and these companies have been cashing the check and then redeeming the coupon which is called double-dipping!!!!!
Product: Debt collection

An Alaskan physician egregiously billed for labs to my insurance company that were well above industry standards. This occurred in XXXX, XXXX at which time I sent a letter requesting additional information to the physician. I never received a response, and in XXXX, XXXX found the charges in collections. My insurance company paid above usual and customary. For example, the physician charged {$130.00} for a XXXX XXXX Panel. This test cost under {$20.00} in the industry. I am being billed for charges that greatly exceed industry standards. 

I 've written several times to the physician and collection firm disputing the debt and asking for them to substantiate their charges. I 've asked where do they get their charge data to what do they accept as payment in full from all payors because that is the true value of their services. For example, if they accept {$15.00} for the XXXX XXXX from XXXX XXXX, they are charging up at an enormous rate for out of network patients. The collection company and physician refuse to offer any of this information and have never responded to any of the specifics of my dispute. All they have sent is an itemized statement showing their over-billed lab charges, a copy of the form I signed regarding paying the remaining charges, and refuse to recognize and place my account in dispute. Although I did sign the form, I had no idea what the physician would have charged for services nor what would be considered reasonable for the services. The rates for XXXX are under 20 % of what they 're charging for an example. 

The collection firm has spoken to me as if I am a child in that they 've " gone above and beyond to get this resolved. '' That is false. They have provided nothing beyond an itemized statement. I will pay extra for the labs that my insurance company did n't cover but the charges must be reasonable. The charges are unregulated and excessive and they will not even consider negotiating. My professional experience has been in health insurance and health care clinics. In my role, we worked with patients/consumers to collect outstanding debts, sent monthly statements, and treated our consumers with respect and dignity. Cornerstone has done none of it, nor has XXXX XXXX office. 

I am asking for your help in resolving this and having my account recognized by the collection firm as being in dispute.
Product: Debt collection

Midland Credit Management - XX/XX/2022 They provide me with a report summary, which is not proof of ownership and the right to collection the debt. They communicate with me after a cease and desist was requested in the letter. They failed to provide me with the purchase agreement that lets me know who has had ownership of the debt. How they can collect on the debt, if they can sue on the debt. They ain't give it to me.
Product: Credit reporting or other personal consumer reports

My account with those creditors 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 those account 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. 

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, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was my go to shopping site for auto refinance which make me sign a disclaimer that state lender MAY do a hard pull on my credit account. 

AutoPay reached out to me offering for the refinance and the gentle man gave me a offer and I clearly told them to wait until I hear from other lenders as I was still shopping. 

I also told them over the phone to not complete my application and even if they do don't do any hard queries on my account, but soon after I ended the call they did a hard pull on my account and when I called the agent, he apologized me for doing it by mistake and also told me that his manager will call me for the dispute. 

The great manager called me and said since I signed the disclaimer with lending that gives them the super power to do hard pulls on the account how many ever times they need which is ridicules. 

I still don't understand when I didn't authorize anything over the phone, they did a hard pull on my account and not willing to dispute it. 

Now they're not even picking my calls. Please help me hear. This is cheating.
Product: Credit card or prepaid card

Hi, I signed up for XXXX XXXX  membership on XX/XX/ for {$490.00} using my Chase freedom unlimited credit card. I watched and followed XXXX XXXX  XXXX account for a while and decided to join their discord sever, but imediately regreted as there were some false/misleading advertisement. I contacted XXXX XXXX right the way, but there were no response, so I had to dispute with Chase. I called Chase once the transaction posted in my credit card account, but the customer service rep told me they can not dispute this charge as it is classified as investing service. I figure if I'm not satified with the service, I should be entilled for a refund.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) due to inadequate customer service and u fair practices which violate the cfpa. Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving account valuable and unprtotexted. Furthermore their dispute was unfair and deceptive as they didnt comply with error and resolution requirements under EFTA AND REGUALTION E THIS HAS CAUSED INCOVIENECE AND A HUGE FINANCIAL LOSS
Product: Debt collection

They put me in collections when I was XXXX XXXX military and I had notified them I was XXXX XXXX military. As soon as I got out of the military I had paid them back but they had charged off my account and made them missed payments the entire time I was XXXX XXXX. This has highly impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/ SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act KOHLS/CAPONE XXXX has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose.

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX from XXXX automatically took out of my account XXXX. They sent XXXX to XXXX XXXX. I sent XXXX XXXX  the proof of payment and XXXX XXXX sent a letter they ceased all collection activity and requested the current owner to update account as disputed with the credit bureaus. I disputed this with the credit bureaus three times to which they are still applying the credit acct same inaccurate information to my credit report causing me increased interest rates. I disputed online and twice by certified mail XXXX, XXXX and XXXX to XXXX XXXX, Transuion and XXXX.
Product: Vehicle loan or lease

We, XXXX XXXX XXXX and XXXX XXXX XXXX, attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S.

Postal Money order, which clearly states at the bottom that it is a negotiable instrument that we bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount of {$12000.00} in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Carmax Auto Finance on XX/XX/XXXX. They accepted our instrument but did not credit our account. I, XXXX, did call on XX/XX/XXXX and spoke to a supervisor name XXXX to inquire why our Ambiguous Negotiable Instrument was returned. The phone call was recorded. They refused to stand in honor of the law by applying the proper payment ; even with the agreeing that they do accept legal tender, which is what we provided and the ability for the instrument to remain negotiable which is an even greater benefit for them. We are filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands, they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on. 

We also provided reading material on 'The Bank Act of 1933 '. 
All attachments have been mailed off to the company.
Product: Credit card or prepaid card

I initiated a balance transfer of {$10000.00} with my chase freedom credit card and the check for {$10000.00} posted on XX/XX/XXXX in my account. At the time of initiating the transfer the terms and conditions stated 12 months from check posting. Now chase customer service tells me that the promotional balance transfer expires on XX/XX/XXXX.