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

I have been disputing these Inaccurate unverifiable accounts 1. ) LENDING CLUB CORP ACCT # XXXX 2. ) XXXX XXXX XXXX XXXX ACCT # XXXX might I add this are inaccurate and incomplete account numbers displayed on my reports which is a federal law violation of 1515 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

with the credit agencies for months now and they are violating my privacy rights. 15 usc 1681b Permissible purposes of consumer reports i never gave the company authorization to report this on my report and i am the original creditor. 15 U.S. Code 1602 - Definitions and rules of construction section ( G ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. This is a violation of federal law and a breach of my privacy rights it must be removed immediately or I will seek litigation.
Product: Credit reporting or other personal consumer reports

My account with 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 MAY 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. 

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: Money transfer, virtual currency, or money service

I have loaded more than a few thousands onto cash app n seem to not get it. I dont know whats going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX XXXX I have file 4 disputes with XXXX  and 2 CFPB disputes with National Credit systems no no avail. XXXX  AND NCS despite legal court documentation ( court dismissal with no money owed to XXXX XXXX XXXX  ) and attached providing rental history directly from the original creditor stating there is no money owed since XX/XX/XXXX to XX/XX/XXXX ( move out dates ) and a surety bond paid out to the original creditor, they decided to record to all credit bureaus since XXXX that I still owe money to XXXX XXXX XXXX. After multiple disputes to XXXX  the continue to close and delete disputes as NCS is providing valid information. This is my final attempt to both XXXX  and NCS to remove incorrect account information from my credit profiles. I have yet to receive any response from NCS and XXXX  refuses to acknowledge all legal documentation that goes against FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I made a purchase from XXXX on XX/XX/23 for XXXX. These were wedding clothes, and the intention had been to return anything not needed. The merchant ended up banning my account before the purchase was delivered. No return slip was included. I was unable to access my account or speak to XXXX in any way, as they require logging in to use the chat feature, I was not able to initiate a return. Ive continually explained this exact situation to Goldman Sachss. Ive sent them screenshots of my account ban, which prevents my access to the site, and they have told me that this isnt valid documentation. They have denied my dispute claiming I have provided no documentation for a year.
Product: Student loan

For several months I have been attempting to retrieve a refund from XXXX  XXXX XXXX ( XXXX ) for {$100.00} as a result of the final payment on my account ( on XX/XX/2018 ) being greater than the balance at the time. In XXXX I was told that the refund would be sent to me in 45-60 business days. Then on XX/XX/XXXX, after 60 working days had passed, I was told that the refund would not be sent to me but would rather be sent to the financial institution that refinanced the loan. After contacting the financial institution that refinanced the loan, I informed XXXX  that they never received such a refund and XXXX responded on XX/XX/XXXX saying that a request would be sent to an account specialist to obtain a reference number or any information regarding the refund. 46 calendar days ( 30 working days ) later I have yet to receive any information regarding the refund. On XX/XX/XXXX I called XXXX to once again inquire about the refund and was told that the check just happened to be mailed that day and that I would receive the check by mail at my home address in 1-3 weeks but " definitely '' by 3 weeks ( though I was told that there was no reference/confirmation number for the check being mailed ). After 3 weeks ( on XX/XX/XXXX ) the check had still not yet arrived. After sending another email on XX/XX/XXXX saying that I never received the check I was told that XXXX had " sent a follow up request to ( their ) Accounting Department '' and will let me know once they have an update. 

It has now been 133 calendar days ( 91 working days ) since the last payment was made on my XXXX account and the difference between the last payment and remaining balance has still not been returned to me.
Product: Credit reporting or other personal consumer reports

XXXX is reporting information from this company that is not true in the amount of {$42000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681 ( a ) ( 4 ) and as well as 15 USC 1666 ( b ) the former was right to privacy and the latter was truth and lending act to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Debt collection

South west Credit System added this account to my credit report. I am unaware if this becausae I did not have/receive proper notificationn within XXXX  days of this debt accordng to the FCRA before it was added to my credit report. I did not have adequate time to address/access this debt. 

Acct # XXXX In fact you feel/believe that you gave me proper notification please send me the certified receipt with my name and signature on it stating I recieved it.

This company has plenty of lawsuits for being a serial violator of this same law and more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to request the deletion of fraudulent hard inquiries from my Transunion credit report. As a victim of identity theft, these inquiries were made without my consent, and I have taken immediate action to rectify the situation. 

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 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 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 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 XXXXXX/XX/XXXX As you can see from the list of hard inquiries provided, numerous inquiries were made in a short period of time, which is highly irregular for my credit history. The inquiries were made by various banks, auto finance companies, and other institutions that I have never dealt with before. This is evidence of fraudulent activity, which I promptly reported to the appropriate authorities. 

I take my credit score and financial reputation very seriously, and I have been vigilant in monitoring my credit report for any suspicious activity. As soon as I noticed the hard inquiries, I contacted the credit bureau. 

I understand that under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or fraudulent information on my credit report. These fraudulent hard inquiries are not representative of my credit history or creditworthiness, and they are unfairly affecting my credit score. I respectfully request that you delete these fraudulent inquiries from my credit report as soon as possible. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue and restoring my credit report to its accurate and correct state. 

Sincerely, XXXX XXXX
Product: Mortgage

In a letter dated XX/XX/XXXX, I was notified that my Mortgage ( formerly XXXX XXXX XXXX ) was being transferred to Ameris Bank dba XXXX XXXX , XXXX My monthly Mortgage payment was sent to XXXX XXXX and applied on XX/XX/XXXX. 
Around the same time, I received a NEW Mortgage statement, dated XX/XX/XXXX, from NEW Service provider. On this XX/XX/XXXX statement, on Ameris Bank letterhead, it showed a LESSER regular month payment and that the amount I paid last month ( XX/XX/XXXX ) which resulted in the overpayment applied to " FEES '' ( a late payment fee incurred within the 1st 90 days of my original loan with XXXX which has been in dispute since ). I NEVER received an XX/XX/2019 monthly Mortgage Statement. 

1. On XX/XX/XXXX I received my monthly mortgage statement showing PAYMENT TRANSACTION HISTORY from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, the PAYMENT amount for XX/XX/XXXX was incorrect ( the FULL amount of my check was NOT reflected ). 
2. I NEVER received an XX/XX/XXXX Mortgage Statement from new service provider 3. On XX/XX/XXXX, I contacted Ameris Bank and spoke to a supervisor, XXXX, and inquired as to why my XX/XX/XXXX statement did not accurately reflect my payment amount on XX/XX/XXXX. XXXX explained that Ameris Bank had not " taken over '' my account until XX/XX/XXXX ( despite previous statement on Ameris letterhead on XX/XX/XXXX ) and that his company " only receives the service file-original loan info-and does not include ANY payment history ''. 
4. During XX/XX/XXXX phone call with XXXX, I asked for an explanation on why any overpayment was applied to FEES as opposed to PRINCIPAL. XXXX said it was the right of Ameris Bank to apply any overpayment as the company saw fit. I requested a copy of the original loan, which states on Page 3, Section 2, " all payments accepted and applied by Lender shall be applied in the following order of priority : ( a ) interest due under the Note ; ( b ) PRINCIPAL due under the note ; ( c ) payments due under Section 3 ( ESCROW ). Any REMAINING amounts shall be applied to late charges ... ).

5. I received my XX/XX/2019 monthly Mortgage statement that showed no payment history, ONLY a Long Form Missaplication Reversal. 
6. I received a SECOND Monthly Mortgage statement dated XX/XX/XXXX ( for TRANSACTION ACTIVITY from XX/XX/XXXX to XX/XX/XXXX ) that only showed my last monthly Mortgage Payment from XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX. 

Re : Cease and Desist - Incorrect Debt Dear XXXXXXXX XXXX, I am writing to dispute and demand immediate cessation of collection activities regarding the alleged debt referenced above. This debt does not belong to me, and I request that you : 1. Immediately stop all collection efforts. 
2. Remove this debt from my credit report. 
3. Confirm in writing that this debt is cancelled. 


This is not my account and has been confirmed multiple times Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq., you are prohibited from : - Collecting or attempting to collect a debt that is not valid ( 1692e ). 
- Failing to provide verification of the debt ( 1692g ). 
- Continuing collection efforts after receiving a dispute ( 1692c ). 

Consequences of Non-Compliance : Failure to comply with this Cease and Desist demand may result in : - Filing a complaint with the Federal Trade Commission ( FTC ). 
- Pursuing damages under the FDCPA. 
- Reporting inaccurate information to credit bureaus. 

Please confirm receipt of this letter and notify me of any further actions. 

Sincerely, XXXX XXXX
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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I submitted a dispute two weeks ago demanding removal of a late payment still being reported on my credit file after the company agreed to remove the late payment of XX/XX/2022. I submitted the letter/agreement from XXXX XXXX that stated the credit reporting agencies would remove that late payment and update the payment status of the account. Credit reporting agencies XXXX and Equifax refused to do so after claiming they investigated my dispute.

Automated and cookie cutter time wasting responses from credit reporting agencies are the normal routine when comsumers attempt to fix errors on their credit file. This is wrong and gross disregard of FCRA laws and operating in good faith.
Product: Debt collection

I received a statement from Cedar Financial for an outstanding balance owed to XXXX University. The original amount was {$1700.00}. I set up payments and have paid on-time. As of XXXX XXXX, 2015 the balance was {$1500.00}. Then I received a letter dated XXXX/XXXX/2015 stating the balance was {$670.00}. I contacted the account manager, who stated the letter was incorrect and the balance was {$1000.00}. As of today XXXX XXXX/XXXX/2015 XXXX, I have paid {$870.00} towards the balance ; however Cedar Financial states I owe {$1000.00}. They are claiming I owe a {$25.00} return check fee. Today, I received an email from the account manager stating my total payments as of XXXX/XXXX/2015 are {$820.00} and not {$870.00} XXXX which I have a record of ). They also stated I can settle the loan with XXXX University for {$660.00}. When I contacted XXXX, they stated the unpaid debt was bought by Cedar Financial and they control the settlement offers. The XXXX representative stated they have no more interaction with account due to Cedar Financial purchasing the bad debt. I am concerned that the collection company is not only trying to collect the wrong amount but also presenting misleading information. I was also able to print my statement from the university which shows the original amount was {$1500.00}, therefore, I am not sure where the other {$200.00} derives from. In addition, I have attempted to negotiate a settlement on this account twice no avail. I am attaching all emails and letters to support my issue.
Product: Bank account or service

I made the max contribution for XX/XX/XXXX of {$3300.00} to my Bank of America Health Savings Account ( BoA HSA ) on XX/XX/XXXX. That amount was taken from my checking account on XX/XX/XXXX. I checked after 5 weekdays ( the typical time for processing ) and the transaction was still pending, which I attributed to the holidays. I rechecked the next day and the transaction was gone. I looked under help tickets on my account and found that BoA had opened a help ticket which stated that my account was closed XX/XX/XXXX due to inactivity and since it had been more than 180 days, they would need verification that I still had an HSA-eligible insurance plan. To my knowledge, I was never informed of the account closing. Also, I was able to make the contribution as I always had in the past-there was no flag on my account that it was closed. Regardless, I contacted XXXX, my insurer, to get BoA the info they needed. The XXXX rep was on the phone with me for over an hour as we tried to resolve this situation with BoA. After listening to multiple BoA reps, it seems the confusion is that my account was set up incorrectly in XX/XX/XXXX, listing XXXX as my employer rather than my insurer. To reopen my account, they want an email from XXXX verifying my employment and insurance plan. Both I and the XXXX rep explained to multiple BoA reps that I have an individual policy with XXXX because I am self-employed. I am not now nor have ever been employed by XXXX. Neither I nor the XXXX rep seemed to make any headway with BoA ; nevertheless, the XXXX rep faxed a letter indicating my HSA eligibility and we were told it would be taken into consideration but they still needed the employer verification. On Friday, XX/XX/XXXX, I spoke with a supervisor with BoA HSA and re-explained the situation. She verified that I was listed as an employee of XXXX and said that she would elevate my help request to critical status, meaning it would be addressed within 24-48 business hours. She also stated that she would call today, Tues-XX/XX/XXXX, with a status update at minimum. I assured her of my appreciation for her assistance but also let her know that I would be filing a complaint with CFPB if there was no follow-through as promised due to the seriousness of the situation. As of XX/XX/XXXX CST, I have received no call. I checked my account online and all my help tickets were listed as " resolved '' and under account balance " no record found '' is notated. I have initiated a help ticket of my own on the BoA site and am now filing a complaint with CFPB as BoA HSA is holding my funds in the amount of {$3300.00} without any notice or plan for resolution. In addition, due to their error in setting up my HSA account, I am currently being blocked from utilizing it in order to process past medical claims that I have paid directly.