23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have a XXXX yr old report about an account sent to collections from Affirm a financing company that I used to purchase a watch from XXXX. I have called XXXX deparate times. They billed me for about {$400.00}. I never received the watch. XXXX stated they never received an order. Please contact XXXX ( XXXX ) XXXX to delete this report. They have flagged my account and I can not use it.
Product: Money transfer, virtual currency, or money service

Ally Bank will not allow me to add to my XXXX balance from my Ally Bank ATM card via the XXXX " add to XXXX from bank card '' function. Ally Bank XXXX XXXX stated that my attempted transfers were being declined by Ally Bank as suspicious in nature. Furthermore, there was no escalation contact to report this to within Ally Bank. My Ally Bank ATM Bank card contract states a daily limit of {$3000.00} USD or {$5000.00} USD for cash withdrawals or cash advances. I was only allowed to successfully transfer {$100.00} USD in multiple transfer attempts which I initiated as well as several attempts that Ally Bank Customer Service had me perform while I was on the phone seeking their support in these troubled and failed transfer transactions. Their responses were stated pragmaticaly as Bank policy they were unable or unwilling to change despite my Ally Bank ATM Bank card contract and the fact that I had much more money available to me in my Ally Bank Checking AND Savings accounts then I was trying to Transfer to my XXXX balance. I also explained to XXXX Ally Bank XXXX that I could not use the XXXX " add to XXXX balance from bank acount '' function as it would take too many business days beyond the date my XXXX payment was due to my payment. This matter concerns a breach of contract in which Ally Bank is advising me that I do not actually have the contractually stated access to my monies due to their bank transfers security settings. I am under the understanding that XXXX is meant to perform such transfer integrity checks. This matter flies in the face of my Ally Bank ATM Bank card contract and customer satisfaction. I am requesting your authoritative assistance in resolving this matter.
Product: Payday loan, title loan, personal loan, or advance loan

Tally is closing operations and without warning or proper notice has suddenly handed off all lines of credit to a third party that does not look legitimate or secure. 
" On XX/XX/year>, the servicing of your Tally line of credit will transfer to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' I do not agree with this loan servicer and I do not trust their operations - their reviews, ratings and company website do not look healthy or secure in any way. 

In addition, this variable line of credit I have with Tally is being converted without my agreement to a flat-rate loan that I did not agree to, which will not show up on my credit score as a full loan. I can't even pay anything until XXXX provides login info for it's site which has not been done yet. 

I want an out from this horrible situation through a more legitimate loan servicer that I can trust at a flat rate that is disclosed to me. Nothing has been spelled out clearly through any of this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX  are inquiries on my credit report that was not authorized to run my credit whatsoever. They never had permissible purpose. XXXX will not remove the inquiries and told me they will not dispute them!
Product: Debt collection

I am getting text messages from MRS Associates saying that they are collecting a debt from XXXX. I keep reporting them as spam and blocking the number, but they continue to text from different numbers. I am not aware of any debt with XXXX. If this debt is legitimate, I have not received any written notification. I have called the company and told them to remove me from their list, but I continue to get texts.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I sold a table for {$50.00} to someone local through XXXX market place. She paid me through venmo. I immediately deposited the money into my account. 

On XX/XX/XXXX I received a message from venmo that my account was frozen because they received a dispute from this persons credit card company. So they immediately tried to withdraw {$50.00} from ME! Before even investigating whether her claims were true. Since I dont keep money in my venmo, they left me with a negative {$50.00} balance in my account. 


I provided venmo all the documentation including the chat between us and even XXXX  camera footage of her picking up the table. They respond and said their investigation could take 75 days and my account would remain frozen unless I paid the {$50.00}. I refused because shes not getting my table and the money back. 

So now if anyone sends me money through venmo they will take it to cover this balance. 

The buyer of the item claims she never disputed a charge. But Venmo refuses to unfreeze my account. Theyve been less than helpful and now I feel I have no choice but to just close all my accounts and deactivate everything. Ive also filed a police report against the woman scamming me.
Product: Credit reporting or other personal consumer reports

CFPB Writeup : In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I told XXXX reinvestigate these accounts : Account name : Affirm. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I receive a letter from a debt collector and I told them it was the incorrect person. The person that owe and myself do n't have the same ssn in which they confirm. After saying they were going to address the issue I aske for something I writing which they claimed they ca n't produce. A month have passed and I received another letter about the debt
Product: Credit reporting or other personal consumer reports

This is my 20th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 transfer, virtual currency, or money service

I am making a claim against Bank of America XXXX XX/XX/XXXX, I found an add on line On XXXX for a rental place in XXXX XXXX Fl. 
I contacted the person through email and I made a few advanced payments for a rental place through XXXX from Bank of America for the following amounts on the following dates. 

XX/XX/XXXX in the amount of {$1000.00} XX/XX/XXXX in the amount of {$2800.00} XX/XX/XXXX in the amount of {$3500.00} He gave me copy of the rental agreement with a copy of his driver license. The place was also advertised on a different website that looked legit, but it was a scam. 

I gave him copy of my driver license se and the social security number. He told me that I can not see the place before I rent it because there was Covid and he had to clean the place. 

On the XXXX of XXXX, I went to check in and the person at the front desk told me that the apartment t does not exist, and that is not for rent and there were other fraudulent activities with the same name. 

I called the police and I made a police report on the spot. The bank was closed, so I could not report the same day fraudulent activity, so next day in the morning I reported fraudulent t activity immediately. 

The XXXX police report is case number XXXX XXXX XXXX XXXX has never made any progress with the investigation. 

Next day, on XX/XX/XXXX. I called Bank of America and I made a claim for fraudulent activities and scam. The Claim number is XXXX XXXX. 

They told me that I would be able to get my money back within 45 working days, but nothing has been solved as of yet. 

At the beginning of XX/XX/XXXX, it could have been on XX/XX/XXXX, I made an FBI report for scam and internet fraud, and I have never heard anything back from them. 

On XX/XX/XXXX I made a claim against XXXX through XXXX XXXX XXXX and the answer was that they were not responsible for the scam. 

I called Bank of America and they told me that the receiving bank was XXXX XXXX. 
I spoke with a representative from XXXX XXXX and they told me that Bank of America Is suppose to resolve this issue. 

Unfortunately, this Issue has not been solved. I lost my house due to Covid 19, I lost my business, I have {$0.00} income and I am struggling. 

These financial institutions are reputable companies and from my side I did everything I could to protect myself. I am making a claim against Bank of America because I believe they are not handling this issue correctly. I am a preferred customer for over 20 years. Whatever money I have left in the account I am planning to close it and move it somewhere else. 

I attached paperwork to back up my claim. 

Please help me resolve this issue ASAP. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Fl XXXX PH XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX-XXXX-XX/XX/XXXX-VER-CHAPTERXXXXBANKRUPTCYDISMISSEDXXXXXXXX-XX/XX/XXXX-VER-
Product: Credit card

I recently had XXXX late fees in which I was assessed fees that I paid. As a result of the late fees and what Barclays said was excessive late payments since XXXX  my credit limit was reduced by XXXX  %. This then put me at the XXXX limit based on prior charges. The late fees, credit limit reduction and balance over XXXX  % as a result of the credit limit reduction were all reported to the credit bureaus as adverse reporting. My XXXX XXXX was reduced by over XXXX points impacting a recent lease agreement and my ability to cancel this account and open a new credit account due to adverse credit reporting.
Product: Credit card or prepaid card

Hello, I would like to dispute the below transactions : 1 ) Bank of America charge of {$11000.00} XXXX XXXX XXXX For the Cure Visa Signature - XXXX Transaction Date : XX/XX/2018 Claim amount : {$11000.00} Claim ID : XXXX Merchant name : XXXX XXXX XXXX NC. 

2 ) Bank Of America charge of {$5000.00} Major League Baseball World Mastercard -  XXXX Transaction Date : XX/XX/2018 Claim Amount : {$5000.00} Claim ID : XXXX Merchant Name : XXXX XXXX XXXX NC. 

3 ) Bank Of America charge of {$1000.00} Bank Of America Bank Card - XXXX Transaction Date : XX/XX/2018 Claim Amount : {$1000.00} Merchant Name : XXXX XXXX XXXX NC. 

4 ) Bank Of America charge of {$2500.00} Bank Of America Bank Card - XXXX Transaction Date : XX/XX/2018 Claim Amount : {$2500.00} Claim ID : XXXX Merchant Name : XXXX XXXX XXXX NC. 

Total Amount In Dispute : {$19.00}, XXXX Plus Interests Accrued while disputing with Bank of America. 

XXXX was shut down by the Federal Trade Commission ( FTC ) for being a scam and fraudulent company. XXXX was permanently shut down by the receiver on XX/XX/2018. I would like to dispute XXXX  because the merchant ( XXXX  ) had failed to perform based on the agreement and contract we signed. The lifetime access to website training is no longer there. 

The XXXX XXXX that was scheduled in XX/XX/2018 ( a 10 day all expense paid trip ) was also canceled. I tried to contact XXXX, but unable to reach anyone because it was shut down by the FTC. 

Later on, the receiver acted on behalf for the merchant to respond to the bank. The disputed amount was a valid charge but the merchant was unable to perform due to the shutdown. In the same time, I contact Bank of America numerous times to dispute the amount. 

I have provided the official document from FTC, my agreement/contract with XXXX, the receipt from XXXX, and many other supportive documents to Bank of America to  support my dispute. 

The dispute team was very difficult to contact, and the dispute was first denied several times with a warning to stop sending them my claim. I am in distress!
Product: Debt collection

MCM bought in  XXXX  XXXX  an Identity Theft debt from  XXXX    XXXX   which was disputed in   XXXX  ,  XXXX  had already removed it from CRA and then started to report it again. I have disputed the account through MCM but they have not yet mailed me the requested documents.  XXXX  says the account belongs to MCM, I am a victim of Identity Theft, this debt is not mine. I have provided a FTC Identity Theft Report.
Product: Debt collection

I have noticed while reviewing my personal credit reports a collection from IC System reporting a fraudulent account that originated from XXXX Georgia XXXX XXXX. 
I have called and spoken with a representative that did not assist me in resolving this identity theft matter only was interested in collection on this alleged debt. 

I then written IC System on various dates from XX/XX/2021 threw XX/XX/2021 and have not received any responses as to the removal of the XXXX account that is being reported inaccurately which is a violation of my privacy rights.
Product: Debt collection

I sent a letter to letters of disbute to XXXX, XXXX XXXX and XXXX in regard to validation of a debt that was originally XXXX XXXX XXXX XXXX and assigned to AFNI, Inc. I send the letter on XX/XX/2018, I asked for that they proved the original contract that was signed in regard to this cell phone account to validate the debt. I have not received that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$160.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$550.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXXXXXX XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXXXXXX XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The debt was to be payed by the father who the child lived with.. not the person who had no choice but to sign the paper so he could get treatment at the ER.. the child was on a vacation to Florida from iowa.. and this company XXXX XXXX for XXXX XXXX XXXX XXXX XXXX has taken my credit score down alot thats not right and I have never received a letter from them..
Product: Checking or savings account

My account has been in restricted mode since Saturday XX/XX/XXXX ( I can't do transactions in my checking and savings account ). 
However today is Thursday XX/XX/XXXX and my account is still restricted. 
I have spoken with representatives from XXXX and they have been unable to remove the restriction in my account. I am frustrated because I have changed my password several times under the instructions of the bank agents ( over the phone ) and nothing is happening. During those instances, I verified my identity with them, and still the restriction remains. These accounts are my main operational accounts, and now I will need to use other bank to receive my direct deposit.
Product: Debt collection

I received a call from Yamaha Motor Finance on XX/XX/XXXXand spoke to XXXX. She informed me that my account was 50+ days past due for {$51.00}. I questioned the amount because I always pay more than our monthly payment. She stated that they took my late fees of {$51.00} out of my last installment payment made and now my payment is past due. Is this legal?? I have read my contract thoroughly and can not find such justification. I asked for a supervisor and talked to XXXX. He sounded like a broken recorder so I asked for his XXXX, XXXX XXXX ( not sure if spelled correctly ). I was told that since the mgr is not in the office they can not transfer me to his voicemail?? I was also refused the managers email address. I have since tried to reach this billing XXXX on XXXX, XXXX, and XXXX. I even sent a certified letter on XXXX/XXXX/XXXX to which no one has responded. On XXXX/XXXX/XXXX I paid the {$51.00} PLUS a monthly payment. I received a call today XXXX from them and talked with a supervisor named XXXX because I was told that now my account does n't qualify for the extension ( I 'm only 10 days past due now ) but XXXX offered this to me at 50+ days past due XXXX XXXX said that must be a training issue ). I have been out of work since XXXX and I 'm trying very hard to keep the account out of collections. I would like their payment tactics looked into because it seems unethical and illegal in so many ways.
Product: Mortgage

The week of XXXX XXXX, XXXX I sent a notarized copy of the DIRECTION TO CONVEY from the XXXX XXXX XXXX XXXX XXXX to NewRez, the current mortgage holder of the property. We needed NewRez to release consent since the property is in trust so we could move forward with the closing of the sale of the property. I followed up repeatedly to check the status of the " consent. '' The reps kept saying they saw my documentation but to call back the following day. We had to postpone the closing from XXXX XXXX, XXXX to XXXX XXXX, XXXX. However, on XXXX XXXX, last Friday, a rep named " XXXX  '' advised me that her supervisor told us to move forward with the sale and that we would not need any consent. My atty who was on the call with me told XXXX the NewRez representative that the Title company required a " consent. 'XXXX XXXX spoke with a different supervisor and said, " I'm sorry but it will take XXXX more days for us to provide you with a consent so you will just have to lose the sale. '' It was disgraceful. Our buyer has graciously offered to reschedule closing for the first week of XX/XX/XXXX. Meanwhile we are unable to get any assistance from NewRez on providing us with the consent. They have all of the paperwork they indicated they needed but the frontline customer reps repeatedly state that they can't allow us to speak with the Loan Processing department which was sent our required documentation. XXXX has helped me in XXXX for another matter so this morning I'm reaching out to your team again. This makes no sense. I've attempted to reach out to the CEO via XXXX and XXXX but no one has responded. Please advise. All we need is a " consent '' from NewRez so we can sell the property.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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.

This company 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