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

I have sent over to all 3 credit bureaus dispute request to update my late payments to current for these accounts listed below. 

Due to The CARES Act, which was signed into law XX/XX/XXXX, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis- but only under specific circumstances ( See 15 U.S.C 1681s-2 ( a ) ( 1 ) ( F ). ) ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off.

Due to this law I fall within the accommodation '' and coverage period.

Late payments should not reflect my credit report during the periods listed in this law. I have asked for these late payments to be updated to as current or removed. I fell behind and was able to become current with both accounts.

I DO NOT WANT THE ACCOUNTS DELETED JUST THE LATE PAYMENTS. 

First reported late payment in XXXX, ( XXXX ) which is determined within the 120 days. Actual late payment began from XX/XX/XXXX. 


XXXX XXXX XXXX Dates : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

TO WHOM IT MAY CONCERN, Creditor Garnishment ( XXXX ) is taking my money from my paycheck since XXXX??? 

XXXX. When first time XXXX XXXX XXXX where I still work, told me that " XXXX debt collector '' XXXX VA XXXX... want to steal money from my pay check, I talk with them on XXXX with XXXX XXXX XXXX XXXX. She told me about some my Bank of America debt that I made in XXXX??? I have NO idea about that debt ... Then XXXX XXXX told me about some my credit card debt in XXXX ( XXXX ) that I also do NOT know ...??? 

XXXX. So I send mail to Bank of America in XXXX and repeat all of this information. I told to bank that last time I talk with Bank of America before XX/XX/XXXX, when I was ready to go back to XXXX and I did NOT have plan to come back in XXXX. So bank know that I will never again use Bank of America credit card and I did NOT. Bank of America send me mail back and did NOT send me any proof that I made any debt to them??? Since XXXX I do NOT remember that I get any mail from Bank of America that bank told me about my bank debt and since then I throw away my debit card... 


# Agency contact : XXXX XXXX card service??? XXXX. ) Paid to XXXX Chain XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX?? 

XXXX ) {$870.00} on XXXX. ( start on XXXX )??? GOAL : {$10000.00}??? Start date XXXX??? ( Case ID : XXXX ) XXXX ) Paid toward lien : {$2100.00} ( last deduction date : XXXX. ) Case ID : XXXX ; * ( XXXX. ) Creditor Garnishment ( XXXX ) XXXX XXXX GOAL : more {$6700.00}??? ( For now on XXXX they took total : {$3400.00} from my paycheck??? )
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed a collection account being reported on my XXXX and TransUnion credit reports from XXXX XXXX, XXXX of Wyoming. Sent dispute letters via U.S. Mail on XXXX, XX/XX/2019 and XX/XX/2019. XXXX and TransUnion claimed that this debt was verified all four times, but was offered no proof that this debt was indeed mine. Since no proof was offered that this debt was mine, I demanded that this account be removed from my report. As of the writing of this complaint the account has not been removed. I also contacted the collection agency and they also have been unable to prove that the debt is mine nor have they removed the account from my XXXX credit report.
Product: Credit card or prepaid card

This complaint concerns Synchrony bank, which manages the Amazon Store Card. On XX/XX/2020, I filed an " Unauthorized charge '' dispute with the bank. I still have not received a resolution. What upsets me is that the bank CONTINUES to send me statements, charging me late payment fees and interest. My online account says that my account is NOW delinquent. I have not yet checked if the bank has been reporting me as " late '' to the credit bureaus. If that has been the case, I would be even more upset! This is outrageous. I contacted XXXX via my online account, informing them ( schooling them! ) that when a customer disputes a charge, they receive something called : PROVISIONAL credit. The disputed amount is temporarily credited, and NO FEES are assessed. Apparently, that's not the case with this bank? Also, I am sick and tired of US banks forcing their US customers to deal with incompetent or poorly trained XXXX agents in foreign countries, usually XXXX. The problem ( and I speak from EXPERIENCE ) is that very often these people do not think! When you send them a SPECIFIC question, they write back with some infuriating " cut and paste '' response. In my case : my complaint has been routed to the Fraud department. Is that department based in XXXX too? Probably. The bank can take as long as it wants to investigate my case. In the meantime, I want the disputed charge AND all fees removed. Furthermore, if the bank has been reporting me as " late '' to credit bureaus, that should be fixed too. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX continue to report a collection account from Helvey & Associates. I have never had any business with Helvey, was never alerted they were trying to collect a debt or anything. I moved out of an apartment serviced by XXXX XXXX. When I found out I owed them money, I paid them. I was never contacted for collections by Helvey or XXXX. I just ended up paying XXXX but Helvey continues to report. I would like the Helvey collection removed from my credit. It is damaging my XXXX scores. Just reporting to the credit bureaus without any attempt to first contact and resolve a debt is shady business practice.
Product: Credit reporting or other personal consumer reports

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

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX  # XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

They called claiming I owe a debt for lab work. I have not seen the results and my doctor can not get a copy to verify this lab work was done. When I asked for a copy of the bill from the original creditor they stated they do not send any paper work except receipts stating paid in full. They now call several times a day but do not leave messages and when I answer they don ; t say anything. It may be an auto dial or they hang up.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$5000.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$5800.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$3900.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$18000.00} XX/XX/XXXX XXXX XXXX {$330.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 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

Inaccurate information is being reported on this account. This account was paid in full and never late.
Product: Student loan

I am writing to formally dispute the legitimacy of my student loan obligations transferred from Aidvantage/Department of Education in the amount of {$8900.00}, {$20.00}, XXXX, {$23000.00} and {$8000.00}. Due to serious legal violations and breaches of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of XXXX and the Higher Education Act, I demand the immediate cancellation of all financial obligations related to these debts. 

It has come to my attention that my personal educational and financial information has been improperly accessed by unauthorized third parties, including XXXX XXXX and/or affiliated entities. This unauthorized access constitutes a gross violation of my federal privacy rights and nullifies any enforceable loan agreements under federal law.

Legal Grounds for Discharge : 1. FERPA Violation : The exposure of my educational records without my express written consent is a direct breach of FERPA, which mandates the protection of personally identifiable information.

2. Violation of the Privacy Act of 1974 : The mishandling and unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals ' data managed by federal agencies and contractors. 

XXXX. Breach of the Higher Education Act : The Higher Education Act requires servicers to maintain strict confidentiality and compliance in loan transfers. The transfer of my loan to Advantage and subsequent dat breaches demonstrate clear negligence.

4. Breach of Contract and Data Security Obligations : By failing to protect my sensitive information, both Aidvantage/Department of Education . have breached contractual terms and obligations, rendering these debts unenforceable.

Demand for Resolution : Due to these violations, I formally demand : Immediate and unconditional cancellation of all financial obligations associated with my student loans.

Complete removal of all Aidvantage/Department of Education . - related entries from my credit report. 
Written confirmation of this cancellation. 

If my demands are not met, I reserve the right to pursue all available legal remedies, including claims for damages arising from these privacy breaches and violations of federal law. 

Please conduct your investigation promptly and provide me with a written response confirming the removal of the disputed information. I expect a resolution within the 30-day timeframe mandated.
Product: Checking or savings account

My name is XXXX XXXX XXXX, I am a customer of Wise and my email address on wise is XXXX but Wise is very unfair in for stealing from me This company is fraud and deactivated my account with over XXXX USD inside my account. 

The reason I am complaining here is because I have a USD account with wise and had over {$22000.00} inside my wise account. 

When my wise account deactivated, I previously submitted an appeal but the bank account I submitted was hacked and closed and I have sent in my new bank account details and instructed wise to send my funds to the new bank details, but I haven't heard from Wise and because of this, I am not able to renew my rent because wise is holding my funds. 

My landlord is about to send me out if I do not renew my rent within few days. 

I have explained everything to wise in an email and sent official email to wise with the new bank account details for wise to refund me but wise has not refunded me yet. 

The ticket number of my email to wise with my new account details is XXXX I want wise to refund my money in USD using the routing number and account number I provided to Wise and I also want wise to send transfer receipt to my email upon reading this complaint. 

These are the details in which I want my funds to go to in USD Routing number : XXXX Account number : XXXX Account owner name : XXXX XXXX XXXX I want wise to convert all the money leftover in different currencies in my wise account upon closure to USD and send to me in the USD bank account I provided to Wise in email, and not the Malaysian account I previously submitted to wise during the appeal as the account as been hacked
Product: Credit card

I had applied for a Macy 's credit card on Macy 's store on XX/XX/XXXX. After it was approved online on the store on that same day, I was able to make a purchase on store with those details. But I did not receive the card yet and was told it would reach to my residence soon. But it never did. I had called Macy 's customer care numerous times and was told due to some logistics issue the card was lost in transit and I 'll receive the replacement card soon. But I never reached to me. However, I made online payment on XX/XX/XXXX from XXXX XXXX for that store purchase. But on XXXX account, the transaction was showing towards Citibank, so I cancelled it later thinking a fraud transaction. But after couple of days, when I called up XXXX I realized it was a Macy 's Citibank card . So I requested XXXX to re-send the transaction. As a result, XXXX debited the amount of XXXX again from my account. So basically there were XXXX debits and XXXX credit in my XXXX bank account for the same amount of XXXX which gave me the impression that the charges were successfully credited to Macy 's Citibank account. Later when Macy 's confirmed they had received the amount on XX/XX/XXXX, I had closed the account because I never received the card till then. However, on my surprise I got bill from XXXX on XX/XX/XXXX that XXXX did not re-send the amount after they had withdrawn it initially. So I called up XXXX bank again and requested them to re-send the amount. They confirmed they had successfully re-send the amount to Macy Citibank. 
But when I contacted Macy Citibank, they said it would take 2 billing cycle to reflect it in my account. But now even after 3 months, Macy 's account is still showing up the charges and they are saying they have n't received the money. I do not how to resolve this issue and I 'm really frustrated because XXXX says they have transferred the money but XXXX Citibank is saying they have n't received the amount. On top of this, Macy has complained to Credit Bureau marking it as Delinquent account. As a result, my credit score has dropped more than XXXX points and has gone from XXXX to XXXX. Please help me in resolving this issue at the earliest!!
Product: Debt collection

in about 2015 I request that XXXX XXXX XXXX XXXX cancel a XXXX XXXX  monthly subscription. however, they continued to charge me for the account. I contacted my credit card agency and reported the incident and requested a new credit card. They informed me that they would take care of the issue by replacing the card. I don't know how the company got access to my new card, but the charges continued to come. throughout the COVID crisis and it became a low priority, and I had other problems to deal with and did not check my account because I relied on the company to honor my request to stop deducting and cancel the subscription. within the last year after auditing my account I noticed that XXXX was still deducting {$85.00} from my account. I contacted both the agency and the credit card company and request that stop the charges immediately. as of XX/XX/XXXX2023, I am still getting charge considering my ongoing request to cancel. I feel Net spend should have protected my account but for some reason they continued to allow this company to continue to charge me after replacement of the cardXXXX
Product: Vehicle loan or lease

In XX/XX/XXXX my car was repo without no notice. I reach out in XX/XX/XXXX because I had been paying more on my car loan to let them know I lost my job and I needed to setup an arrangement. I have a disable son and wasn't making a lot and just gotten a job offer for XXXX. I spoke to an agent they ensured me my acc was setup to pay on XX/XX/XXXX. I even set up a catch up plan in my portal. For the following month to make small payment. On XX/XX/XXXX I believe I get a text that my car has been assigned to repo. I got off late and call ally with no answer. I figured I'll call in the morning to sort it out just to see my car was gone shortly after the text was receive. I have not received not letter or no inquiry that this would happen because I had an arrangement set up and was due to make my first pmt XX/XX/XXXX. I called and was constantly hung up on by reps multiple times as soon as I gave my info as if I was banned from calling which is recorded. I couldn't find out any information. I used my sister phone to call and was put right through to an agent who hung up once I provided my info. Finally I spoke to someone with a nasty demeanor. I ended up paying for getting my car back with no explanation. A rep said I haven't reach out to them since XXXX of XXXX which was not true. I have all the evidence and thinking about legal actions. Not only that buy my car was damaged at the repo place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to transunion on XX/XX/2022 and I haven't gotten a response back yet that they have received it according to the law they are supposed to send me something in mail within 5 days after they receive it and they haven't and this is a violation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I spoke with XXXX, Experian, and XXXX about unauthorized inquiries placed on my credit report under the security breach they were removed and placed back on to my credit report without my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank has yet to resolve the multiple disputes about incomplete, inaccurate, and unverifiable information and is in multiple violations according to FCRA and other consumer laws as stated in the attach affidavit which Citibank is in default. Citibank has yet to pay invoice for violations, damages etc. 
Citibank is yet to take appropriate actions according to FCRA towards fixing my credit report on the disputed incomplete, inaccurate, and unverifiable information.