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

I have consistently made my payments to XXXX XXXX on time and take my financial obligations seriously. However, TransUnion has reported an inaccurate late payment for XX/XX/year> on my account, which is both unjust and harmful. This false reporting violates 15 USC 1666b ( a ), which states payments can not be treated as late if received within the agreed timeframe. Furthermore, TransUnion 's failure to verify and accurately report this information constitutes a direct violation of 15 USC 1681e ( b ), which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy, and 15 USC 1681s-2 ( b ), which mandates furnishers to investigate and correct inaccurate information.TransUnions negligence also violates 15 USC 1681a ( 2 ), as it is obligated to ensure that only accurate and permissible information is reflected on my credit report. By failing to address this error, TransUnion is in willful noncompliance with 15 USC 1681n, exposing it to liability of {$1000.00} per violation, in addition to punitive damages for knowingly reporting false information. This negligence further breaches 15 USC 1681o, causing me undue stress, financial harm, and damage to my creditworthiness. This false late payment has significantly impacted my ability to secure loans critical for my personal and professional needs, including maintaining financial stability for myself and my family. Despite my flawless payment history, XXXX inaccurate reporting is undermining my financial integrity and limiting opportunities. I demand that TransUnion immediately correct this inaccurate late payment to reflect PAID AS AGREED. If this is not resolved promptly, I will be left with no choice but to pursue legal action under federal law to protect my rights and seek compensation for the harm caused.
Product: Money transfer, virtual currency, or money service

I use CashApp to transfer money back and forth between my employees, family and friends. CashApp launched a XXXX service last year that made it easier for average consumers to purchase and hold XXXX as well as send XXXX back and forth between consumers on the service. A scammer reached out to me trying to sell me an investment opportunity in XXXX and this investment had to be made through the CashApp service. I unfortunately became victim of this con and lost over XXXX XXXX dollars to the con artists on this CashApp platform. This happened between XXXX and XX/XX/2022. I reached out to CashApp to file a complaint about the lack of protection for consumers in the service. They let scammers and fraudsters use their service to exploit people like me. I even sent letters to them through certified mail but I have heard nothing from them. I feel like I have run out of options with them. I have all the records as well as correspondence with them and with the fraudsters and well as all the transaction records. Please assist. Thank you.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT BUREAU HAVE NOT PROPERLY INVESTIGATED NOR REMOVED FRAUDULENT ACCOUNTS OF MY FILE WH EN IM A V ICTIM OF IDENTITY THEFT
Product: Checking or savings account

Bank of America has a system where they post deposits to my account as a credit. To secure and be sure I have enough money in my account to cover all charges. With that being said most deductions dont post to the account until days later. Over the past few months I noticed instances where my money has gone missing. Because of this I make sure to deduct all deposits and add the money thats needed at the time of that transaction. I am missing currently XXXX from my bank account that can not be accounted for by the bank. XXXX dollars and some change came from a pending transaction that was on hold due to error that would fall off. The other was from XXXX XXXX XXXX dollars and some change. All of that equals up to XXXX but it is not reflected in my current balance. I posted A picture of all transactions from the last 6 days leading up to this compliant. I called The bank and nobody would bother actually doing the math to see the problem from the correct dates and amounts. They went off of what they calculated which didnt reflect my correct balances at all during any point of my spending during these past few days. They think I dont See it but I do and I will, not stand for it. This isnt the first time they have taken from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

M & T Bank is reporting lates on my credit file for XX/XX/20, XX/XX/20, XX/XX/20. At the very beginning of Covid, my employer was significantly impacted as work had gone done severely. This meant I had a huge cut in pay and hours while they tried to resolve some things for the company. I was lucky enough to keep my job during this time but this did not go without consequences. I had been a long time customer and had never been late before and have not been late after. I ask that they please remove these late notations from my credit file as a goodwill adjustment.
Product: Debt collection

Good evening. 
My name is XXXX XXXX, a former XXXX XXXX Veteran, a former SC XXXX XXXX  giving selfless service most of my life. Cell : XXXX. Address : XXXX XXXX XXXX, XXXX  XXXX  NC XXXX Email XXXX My complaint. 
Gym membership opened in XX/XX/XXXX @ XXXX XXXX @ XXXX XXXX XXXX XXXX location. 
I moved to XXXX NC in XX/XX/XXXX. 
I ask to CANCEL my membership @ XXXX XXXX. The manager at that time said he would transfer my membership to XXXX XXXX in XXXX NC where I live, so I agreed. 

Here is where two problems exist. 

XX/XX/XXXX my gym closed for 3 months if not longer. During this time I personally ask to cancel my membership, the XXXX XXXX XXXX. The manager there told me to write a letter to their corporate office in order to cancel my membership. What? 
So I did. I sent a letter to XX/XX/XXXX XXXX XXXX AR XXXX giving specific details why I am canceling the membership, as I did in XX/XX/XXXX. XXXX XXXX stated that they would not take from my account while COVID-19 had the gym closed. They never stopped taking from my account. 

Thats a problem but not the BIG problem. After canceling my membership in XX/XX/XXXX I believe everything was completed on both ends. As of XX/XX/XXXX, my credit report showed I was placed in collections for {$99.00}. When I investigated, it showed ME opening an account/membership in XX/XX/XXXX to XXXX XXXX. This is fraudulent behavior that needs to be exposed. If they are doing this to me, how many others are they doing this to? 

So I called the XXXX XXXX XXXX XXXX to see what is going on? 
XXXX, the manager looked into it and apologized for the miss-hap. 
He couldnt believe that this happed and could not explain who opened the account NEW MEMBERSHIP that issued a {$99.00}. fee. 
But XXXX had it taking off my Credit report. So I thought! 

As of XX/XX/XXXX, I received a letter from Adouls law firm XXXX XX/XX/XXXX stating I am going to collections if this {$99.00}. is not paid. This law firm is paid by XXXX XXXX. 
I did not join XXXX XXXX again in XXXX or ever in my lifetime. They took 3 months {$60.00}. total while they were closed, I canceled filling out the form, letter and personal acknowledgment stating I am canceling the membership. 
Now someone opened an account in XX/XX/XXXX apparently in my name! Fraudulent documentation. 
Please XXXX XXXX help me. 
I do not owe anything to XXXX XXXX, I cancelled the membership by their rules and still am being harassed. I cant believe that this is happening to me! 
Thank you for taking your time to read my statement. 
Hope to hear from you! 
May GOD bless you! 
XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Citibank related to a recent issue concerning an Automatic Clearing House ( ACH ) deposit and subsequent account closure. 

On XX/XX/2023, an ACH payment was initiated to be deposited into my Citibank account. Due to the holiday period, the deposit was scheduled to be credited on XX/XX/2023. However, I encountered issues with my account over the weekend of XX/XX/2023, when I was unable to view my account upon logging into Citibank 's online portal. 

Upon contacting Citibank, I was informed that my account was to be closed due to a mobile check deposit I had made while instructing a family member on the process of check deposit. This was a genuine misunderstanding and not intended as a fraudulent activity. 

Despite explaining my situation and the forthcoming ACH deposit to Citibank, I was informed that the account closure would proceed, and my funds, including the yet to be deposited ACH payment, would be returned via a check in the mail within 30 to 60 days. 

Given the significant amount of the deposit and the circumstances leading to the account closure, I believe the process is unfair and distressing. 

I have tried to address this issue through direct communication with Citibank and by attempting to reverse the ACH payment through the payment processor. I have also opened a new account with Citibank to provide a potential alternative for depositing the funds. 

Despite these steps, I am concerned that my funds are stuck in limbo and that I have been put into a situation with a potential 60-day wait for my own money, through no real fault of my own. 

I kindly request your assistance in investigating and resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  XXXX  my ex-wife and I met with an attorney,  XXXX   XXXX  in  XXXX   XXXX   XXXX , Michigan, to consult about bankruptcy. We left that consultation without any intent on filing bankruptcy. On  XXXX   XXXX ,  XXXX , while returning home to Michigan from Alabama for  XXXX  vacation, none of my credit cards would work to pay for my rental car. After research, I found out that the attorney that I had consulted with said tha t one of his secretaries accidentally filed the bankruptcy electronically with the Bankruptcy Court.  The attorney wrote letters to the court and my creditors, but all that happened is that it was " dismissed '' not removed. It is still affecting my credit report and my ability to obtain credit. I was denied credit about a month ago by  XXXX   XXXX  because of the bankruptcy. How do I get this bankruptcy REMOVED from my credit report, not just " dismissed ''????
Product: Checking or savings account

TD bank decided to close my account I had XXXX dollars I went to the branch that is near my house and I was told that the money was withdrawn from the account on XX/XX/2022 and that they didnt know where the money was to call the de marketing department I was given a number I have been calling since then and its just an answering system where you have to leave your name and number for a call back I have not received a call back from them nor have I received my money. I tried calling customer service and they tell me the same thing that they are not able to identity where the money is and to go into a branch. They have me back and forth with no answer and I just want my money back. I dont understand what the problem and at this point dont really care I just need my money back.
Product: Money transfer, virtual currency, or money service

There was two Zelle payments to an account that was not authorized. One for {$50.00} and then the other for {$300.00}. 
I contacted XXXX XXXX immediately and they couldn't do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under I have the rights to privacy. 15USC - 1681 section 602 states I have the right to privacy. 

15USC 1681section 604A section 2 it also states, A consumer reporting agency can not furnish my account without my written instructions.

Under 15UC-1666b a creditor not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter to all the credit bureaus and creditors regarding the accounts of which I do not know. I have not received any response nor a notification regarding the investigation and results. 

They need to delete these under my name since I don't know the said accounts.
Product: Credit card or prepaid card

Today, XX/XX/2023 I have received an alert from XXXX saying I had a new alert on my credit report from Bank XXXX XXXX as a hard inquiry trying to open up a new credit card with them as it is not true and that I am a victim of identity theft with someone else trying to open a credit card under my name from my bank. I have contacted XXXX and now I need to contact Transunion and XXXX as well. I just needed to do a police report first before moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. These are Unauthorized Inquiries Here as follows are items in error : The following inquiry needs to be removed immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account is over XXXX old and is still showing on my credit report
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 ). Cash App failed to take timely and effective measures to prevent and address fraud on their platform. My account has been left vulnerable and unprotected. Their dispute resolution process was also unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Act ( EFTA ) and regulation E. These actions have caused a significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

GMAC continues to report my account closed status dating XXXX for both mortgage and home equity line. I have disputed this in the past since both of these accounts closed XXXX. I have won the past disputes. I have documents and letters stating the true close dates of XXXX.
Product: Debt collection

I recently sent a cease and desist on XX/XX/2021 to CREDIT MANAGEMENT LP regarding an alleged obligation that I do not owe that they falsely reported on my consumer report. This is the second time that CREDIT MANAGEMENT LP is falsely reporting a debt that I do not owe and does not belong to me on my consumer credit report. As the result of CREDIT MANAGEMENT LP falsely reporting on my consumer credit report, CREDIT MANAGEMENT LP failed to follow 15 USC 1592c ( a ) and committed an individual action against me because CREDIT MANAGEMENT LP did not get my prior written consent to communicated with me the consumer with connection of a debt. CREDIT MANAGEMENT LP also failed to follow 15 USC 1592g as CREDIT MANAGEMENT LP failed to provide me a written notice containing the five requirements under the subchapter of 15 USC 1692g Within five days after the initial communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have a credit card with barclays credit card company and i was a victim of fraud and ask for the charges to be cleared and the refused to clear the charges even though i sent a police report with the appropriate documentation from the police department and they refuse to clear the charges and the interest and late fees are steadily rising .The charges accumulated on XX/XX/2019 in the amount of XXXX, XX/XX/2019 in the amount of XXXX and XXXX and XX/XX/2019 XXXX with a balance now with late fees they keep adding because i refuse to pay the charges when iam the victim is over XXXX as of XX/XX/2019 and iam sure its even more .When i discovered the fradulant activity i contacted the company and had them to close the account and the didnt want to close they only closed it because the card reached its limit.Please help me resolve this matter and in the future I will never use this company again are recommend this company EVER.
Product: Vehicle loan or lease

Back on XX/XX/2015, I purchased a Used Car from Salesperson XXXX XXXX at XXXX XXXX XXXX. The car was in fairly decent condition and I trusted them because I was purchasing from the dealer. I was given a price by Mr. XXXX which was with everything included. Little to my knowledge that I was paying {$38.00} a month for XXXX which was bundled into the full price of the car. I never asked for it nor was it ever honored when I tried to use it. I contacted XXXX XXXX XXXX and asked to speak to the manager who rudely cut me off and is never able to take my calls. At the end of it all I wouldve paid close to {$3000.00} for something that I never wanted nor that asked for. Very shady business practices. XXXX XXXX XXXX is located at XXXX XXXX   XXXX XXXX XXXX, XXXX, NJ XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I joined in XX/XX/2021 and I had to go though basically training. from the month of XXXX through XXXX I didn't have my phone because of basically. my wife at the time wasn't an authorize user was trying to make payment but credit card Company was declining her payment causing them to have me have missed payment for those months. I contacted transunion about this issue to remove because the credit card companys wasn't taking my wife payment. I sent transunion a letter on XX/XX/XXXX and they received it on XXXX XXXX and failed to remove the missed payment on my account they even closed the case and told me to retype the letter and open a new dispute. This is interfering with my life.
Product: Mortgage

CIS Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Subject : Demand for Explanation Regarding Mortgage Payment Transfer and Unsettled Amortization Schedule Dispute Dear Sir/Madam, I hope this letter finds you well. I am writing to express my deep concern and demand an immediate and comprehensive explanation regarding the recent transfer of my mortgage payment to XXXX, effective XX/XX/2023. Additionally, I am troubled by the fact that the dispute on my amortization schedule remains unresolved. As far as I am aware, there has been no authorization or agreement from my end for such a transfer. 
I want to highlight that throughout the duration of my mortgage, I have diligently made all payments on time and have never defaulted on any obligations. Therefore, it comes as a surprise and raises suspicion that my mortgage payment has been transferred without my knowledge or consent. The lack of transparency in this matter is deeply unsettling, and I expect a prompt response to address this issue. 
Furthermore, I have been actively pursuing the resolution of an ongoing dispute regarding the amortization schedule associated with my mortgage. This dispute has remained unsettled, and it is alarming that the transfer of my mortgage payment has taken place while this matter remains unresolved. I firmly believe that it is in the best interest of both parties involved to resolve this dispute promptly and fairly. 
Given the circumstances, I kindly request the following from CIS Financial Services : Provide a detailed explanation outlining the reasons for the transfer of my mortgage payment without my authorization. 
Clarify the specific terms and conditions under which my mortgage payment was transferred to XXXX, including any relevant contractual or legal basis. 
Address the ongoing dispute regarding the amortization schedule associated with my mortgage and provide a clear plan of action to resolve this matter. 
Provide any documentation or evidence supporting the legitimacy and appropriateness of the mortgage payment transfer. 
I trust that XXXX XXXX will treat this matter with the utmost urgency and seriousness it deserves. Failing to provide a satisfactory explanation within a reasonable timeframe will leave me with no choice but to escalate this issue and seek legal counsel to protect my rights as a homeowner. 
Please note that I expect all future correspondence to be in writing. I would appreciate a written response addressing the concerns raised in this letter within XXXX business days from the date of receipt. 
Thank you for your immediate attention to this matter. I look forward to a prompt and satisfactory resolution.
Product: Debt collection

Amount of XXXX from your credit report. 
In response to your dispute, this item was DELETED from your credit report.

CMRE FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Mortgage

This complaint is in regards to American Financial Network ( AFN ). 

I am trying to complete. A supplemental equity loan using XXXX XXXX XXXXXXXX. I initially reached out to my loan officer at AFN by the name of XXXX XXXX. At first he answered my call. But when u sent him the form that he needs to sign to afield he that I am pulling equity from my property he started avoiding me. For the past month I have called American financial network twice a day to get the form signed. They told me to upload electronically in their system and that someone would review it in a week and a half. After the given time period the form was still not signed. One 3 separate additional days I was promised it would be signed. Still no signature. AFN continues to dodge my phone calls or provide support in singing my subornation form to complete my application with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account # XXXX opened on XX/XX/XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnisha account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpuse