23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit Report Inaccuracy : XXXX XXXX XXXX Dispute Letter XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Consumer Assistance XXXX XXXX XXXX, XXXX XXXX XXXX Re : Notice of Dispute to Pursuant to Section 611 of the Federal Fair Credit Reporting Act To Whom it May Concern : I recently obtained a copy of my consumer 's credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This is injurious to my consumer report and I request that you correct this information immediately. 
Please remove this account from my records it is inaccurate billing/contract information. Please remove from my files and your records and/ or show me proof of such debt accurately billed and belonging to me : Original Account : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX Collection Agency : Convergent XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Account Number : XXXX BBB Complaint ID # : XXXX My consumer report is extremely valuable to me, please be advised that willful non- compliance is a violation of the Federal Fair Credit Reporting Act. I assume 30 days is a reasonable amount of time for your investigation unless I am notified otherwise. Please provide me with an updated credit report. 
Respectfully, XXXX XXXX XXXX
Product: Debt collection

I was XXXX in XXXX from XXXX XXXX until XXXX XXXX. When I returned back to XXXX XXXX XXXX I received several calls stating I was assaulted in XXXX. I never lived in XXXX and only visited XXXX to pick my car up from the port. However, they stated I received medical treatment there which is incorrect. I have been in XXXX since XX/XX/XXXX. Whomever, used my identity did not show identification and now I am being billed. I provided them my social security number and they said they were going to handle it. Now it is on my credit. I told them to send me a video because it is not me. However, they do believe I am not telling the truth. I can provide all the additional information needed to resolve this matter. 

XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX XXXX Accounts Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$1200.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$1200.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes this account information, Medical Date Assigned : XX/XX/XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX Accounts Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$28.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$28.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Medical
Product: Checking or savings account

On XX/XX/XXXX money began getting withdrawn to pay back loans and then higher loans requested a total of 17 transactions totaling the amount of {$1200.00}. I placed call reporting at about XXXX XX/XX/XXXX. I then had to call them in the morning because they were closed. XX/XX/XXXX @ XXXX spoke with customer service several times for a total 4hr and 51 minutes and provided all necessary documentation. I was told I would receive an email explaining the incident that the representative stated was clearly fraud with a file number, within 48hrs. I never received the email or the number. I did receive a link to reset my account with new email. I have not received a refund either. I did file a police report and also to the FTC.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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 TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to courtV
Product: Vehicle loan or lease

I purchased a XXXX XXXX from XXXX XXXX in XXXX Fl and at the time of our I added gap insurance as well as an extended warranty. I recently traded on the XXXX XXXX on XX/XX/XXXX in which was paid in full to Suncoast Credit Union. I contacted XXXX XXXX to cancel my aftermarket products and obtain a refund for the unused portion and was advised they do not handle these types of requests and asked me to contact the dealership. I called XXXX XXXX and was advised I could only make a request to cancel the products with the finance XXXX who sold the products to me. After calling several times because he was out of the office or assisting other clients. I spoke to the Finance XXXX who stated I could only cancel the products if I came in to the dealership. I advised him that wasnt possible as I live XXXX  hours away. He stated he would email me the forms. I have yet to receive them and have called and left several messages with no return call. It should not be this difficult to cancel these products and it seems Suncoast Credit Union should have some level of responsibility in assisting me to get this done. XXXX XXXX seems to have some deceptive practices in all of the parameters they are putting in place to complete this task. It shouldnt matter who I talk to to cancel the products the process should be consistent across the board.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint to inform you that I am a victim of identity theft. I researched on how to remove the unauthorized inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any items listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 

Here is the list of the items which do not belong to me or were opened without my permission. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App, dba Block inc. Due to inadequate customer service and unfair practices, which violate the consumer financial protection act, specifically, cash app failed to take timely and effective measures to prevent and address fraud on their bill 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 called significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 XXXX XXXX U.S.C 1681 section 602 A. States I have 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is incorrectly reporting to credit reporting agencies. I want XXXX XXXX to remove all accounts from my credit. I have warned this company before about the incorrect information reporting and it has not been removed and damaged my credit severely. I have been depressed about this and my health has declined due to the stress.
Product: Debt collection

Respondeat Superior is a doctrine that a party is responsible for ( has vicarious liability for ) acts of their agents. XXXX, XXXX, and EXPERIAN each are credit reporting bureaus. XXXX XXXX XXXX and, US DEPT OF EDUCATION, for example, might furnish a credit bureau with consumer information. In this instance, both has provided them with inaccurate or fraudulent collections information : ( 1 ) XXXX  XXXX  XXXX  asserted ownership over a purported debt related to the previously closed automotive loan. But these assertions of a supposed " deficiency '' are barred under California 's anti-deficiency statute, Cal. Civ. Proc. Code 580d. ( 2 ) US DEPT OF EDUCATION makes the contention of many student loan debts totaling more than {$19000.00} that are reportedly due in connection with complainants alleged attendance at XXXX college. The Fair Credit Reporting Act ( " FCRA '' ) is a federal statute.
Product: Checking or savings account

Account was opened under terms for a {$400.00} bonus. The requirements were met, and multiple agents on the live chat as well as over the phone, including a supervisor, have promised me that I would receive the bonus. I spoke on XX/XX/XXXX to XXXX, employee ID XXXX, and was promised that the bonus would be applied shortly. To date, I have not received the {$400.00} bonus for this checking account. At this point, Citi needs to help me correct this issue, especially since I have been guaranteed the bonus by employees at the bank including the floor supervisor I spoke with on the phone on the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was disputing a Bankruptcy on my credit report that XXXX verified as accurate. Confused by this i sent them a letter on XX/XX/2020 through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX asking for their method of verification. On XX/XX/2020 i received a letter from them Experian stating they were able verify that bankruptcy from my credit report by saying it was accurate but they failed to giving any proof on how they were able to verify it. i waited over a month with hopes that they will send me another letter with the verification i asked for but still i got nothing. ... .. 


Also for TransUnion i also asked for the method of verification with tracking numbers XXXX XXXX XXXX XXXX XXXX. On XX/XX/2020 i received a letter from them stating they verified the Bankruptcy with the Bankruptcy court located on XXXX XXXX XXXX XXXX XXXX, XXXX NY, XXXX  XXXX. I eventually went to that bankruptcy court in person and they told me when i got their that they don't verify bankruptcies with the credit bureaus. They gave me a letter stating that. After that i sent that letter to TransUnion through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 i asked them to remove that bankruptcy from my credit report because it could not be properly verified. As of XX/XX/2020 i have not gotten a reply from TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, What company, entity, or organization is engaging in conduct you believe violates the antitrust laws? 
XXXX XXXX and Credit Reporting Bureaus How do you believe this entity may have harmed competition? 
XXXXXXXX XXXX  sold several accounts to other Mortgage institutions, which closed the old accounts of several mortgage holders ( me being one of them ) and transferred them to the new mortgage company. 

As a result, it was reported as a closed account to the credit bureaus, which caused my credit score to drop an average of XXXX points. The same is happening for people who sell their homes. With lower credit scores, people now have to acquire less favorable interest rates and terms on new loans and have their existing creditworthiness come into question by other creditors on their files. 

What is your role in the situation? For instance, are you a customer, competitor or supplier? 
My mortgage loan was transferred from XXXXXXXX XXXX to XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX was reported as 'closed, ' which caused my credit score to drop by XXXX points. I am in the middle of applying for a second home loan and was told that my rates will dramatically change with a XXXX point drop on my score. 


I contacted both XXXX XXXX and all credit reporting Bureaus and was told that there is nothing they can do. According to XXXX5 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES, the Accuracy and fairness of credit reporting is manipulating and " directly impair the efficiency of the banking system. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I became XXXX XX/XX/2015, Been on total XXXX and receiving Social Security. 
I applied for student loan forgiveness and submitted all supporting documents sent by the XXXX XXXX XXXX XXXX to XXXX ( my student loan holder ). 
My application was received and accepted by XXXX and received notifactions from them that my sudent loan was dismissed in total due to my XXXX. XXXX still has not removed this from mum credit which has effected my credit score negatively. 
My student loan was accepted and approved through the XXXX XXXX XXXX XXXX XXXX XXXX. XXXX also notified me my application was approved, would be dismissed and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX D.O.B XX/XX/XXXX Date : XX/XX/XXXX CARE CREDIT / SYNCHRONY BANK XXXX XXXX XXXX XXXX, FL XXXX To Whomever it may concern ; This is about the consumer credit transaction initiated with your financial institutions executed by way of signing an agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. 
The provisions of 15 USC 6801 ( A ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. 
In the above -mentioned Consumer Credit Transaction without giving me the opportunity to opt-out, your institution, your institution furnished my nonpublic personal information to nonaffiliated third parties ( XXXX, XXXX XXXX XXXX XXXX According to 15 USC 6809 ( 4 ) ( a ) The term nonpublic personal information means personally identifiable financial information 01 Provided by a consumer to a financial institution 02 Resulting from any transaction with the consumer or any service performed for the consumer ; or 03 Otherwise obtained by a financial institution Further, pursuant to 15 USC 6809 ( 5 ) the term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 
Therefore, as per literal interpretation, the organization named XXXX, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. 
In case your company admits that the company named XXXX, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA ( Fair Credit Reporting Act ). 
PuUnder5 USC 1681a ( d ) ( 2 ) ( a ) ( ii ), the consumer report will not include any information communicated among persons related by common ownership or affiliated by corporate control. 

Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if a company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. 

Therefore, your company has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request you to remove the below-mentioned information from my consumer report XXXX. REMOVE ALL LATE PAYMENTS If you accept my request, I will not escalate this matter to a federal complaint. 
Thank you for your attention to this matter Sincerely
Product: Credit reporting or other personal consumer reports

All that I want is my free annual copy of my credit report from Equifax and XXXX XXXX. XXXX has already sent my annual copy. Thank you.
Product: Money transfer, virtual currency, or money service

I have accounts with Wise in both USD and XXXX. My US employer ( who I work with only in the summer ) had my USD account details for payroll direct deposit. 

On XX/XX/XXXX, Wise sent an email announcing that customers USD account details would be changing as of XXXX XXXX. I apparently did not notice the announcement or take action. The email did say that any payments sent to the old account details would automatically be refunded to the sender. 

The employer sent my first payment of the summer on XX/XX/XXXX. It has not been refunded. I have had contact with Wise customer support over the last week asking when this could happen, and they have not been able to tell me anything. The employer obviously cant pay me until they receive the refund. 

The old USD account numbers used the routing number of another XXXX bank, XXXX XXXX XXXX XXXX I contacted XXXX, and their customer service told me that they had recently sold this routing number ( XXXX ) back to Wise, or a company associated with Wise. On the XXXX website it is assigned to a bank called XXXX XXXX XXXX. I have tried contacting XXXX without success. The XXXX customer service rep explained that they were receiving thousands of outdated deposits for Wise customers every week, and it was bogging down their operations trying to refund them all. They thought that maybe Wise would be able to tell me more about the relationship with XXXX, and how this might impact the refunding of deposits, but Wise has not responded to that question.
Product: Checking or savings account

On or about XX/XX/XXXX, of XXXX i opened a checking account via telephone with a bank of america agent. I then believe on or about the XXXX XX/XX/XXXX i recieved a debit card issued in my name .Upon recieving my debit card on the XXXX of XX/XX/XXXX i went down the the bank of america branch located in my city of XXXX XXXX Ca . And made a check deposit into the a.t.m that was a third party check. That was a thursday i believe. So i waited for the following monday to check my account to see if the check was cleared. But bank of america blocked my online access. So i then called bank of america and was told to go into the paso branch to get further info as to why i couldnt access my account. So i did so and then told i had to call bank of america because my local branch couldnt access either. So again i did so. And after several attemts i was told that my account was closed because i made a 3rd party check deposit witch went against bofa policies. At this point i still havent recieved any further mail in regards to their policies. Only the debit card at this point, so i wouldnt have know that making a third party check was against their policies. So the check i deposited was my girlfriends monthly alimony of {$2000.00}. So at this point the funds are frozen till further investigation they told me. But instead the XXXX that was deposited being held i was told it has been cashed but now the balance has been reduced to XXXX because of a balance i owed on an account i use to have with them. I have contacted bank of america via my branch and telephone. Me and the person to whom the check was writen out to went into locale brance as was told over the phone to show both of our i.d . We have done every thing that has been asked of us and countless phone calles on my part to get this resolved and when i say countless i mean iv talked to 30 different agents at bank of america and have been told 12 different stories. And from XX/XX/XXXX till today the XXXX of XX/XX/XXXX i still cant get the funds released. I believe that when they opened my recent account that they did so just so they could get the funds that i owed from a previous balance i owed. I get the feeling that my account was going to be closed no matter the situation as long as they recieved there money. Or else why would they cash that third party check and take what i owed them when doing so is against their policy of cashing a third party check. At this time the funds ar being held hostage. The check writer and the person whom the check was writen to are all aware of the situation. So there is nothing to be found frodulant but yet they will not work with us and can not get a strait answer. Its been 5 1/2 months already. All the das iv listed may vary a day or so but if needed i can give exact dates if needed. Thanks again XXXX XXXX My contact number is XXXX and email : XXXX XXXX
Product: Consumer Loan

Turner Acceptance is reporting an account on my credit that should not be there the car was paid for they have a problem with payments I am requesting a full contract and payment history from them I have requested this information before and I was unable to get it from them