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

This company is reporting incorrect information on my XXXX, XXXX, XXXX accounts. This account balance is incorrect and reporting inaccurately. I had asked the company to remove item, but the company still will not update my dispute on this inaccurate reporting. 

Account info Account name THE HUNTINGTON NATL BANK Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$530.00} written off. {$530.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$530.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$750.00} Highest balance {$1000.00} Terms - On record until XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

Amex Gift Card.

I was given an Amex gift card in the amount of {$300.00}.

When I tried to apply it to my {$800.00}. hotel bill, Amex would not approve the transaction.

Tried for {$250.00}, NO.

Tried for {$200.00}, that was approved.

The following day at the hotel Amex approved {$50.00}. 
Since then no matter where I try, they refuse the charge. The balance on my card is {$50.00} Calling the phone number on the card is automated.Ca n't reach a person.

Go on the listed website on the card, no help.

Called the regular phone number for Amex, and the agent could not contact a. live agent, and found it impossible to help me.

Looked on line and saw 179 negative complaints about Amex gift cards with just a one star rating. 
My gift card number is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid down all my credit cards as of XX/XX/2022 and I am not seeing any of this on my report My report is also showing I have late payments which I dont I have contacted XXXX Equifax and XXXX XXXX still have yet to see the changes made to my reports
Product: Debt collection

I am not liable for this debt with XXXX XXXX  and I do not have a contract with CAINE WEINER plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : {$1200.00}
Product: Mortgage

In XX/XX/XXXX I purchased a home through county foreclosure auction at XXXX XXXX XXXX XXXX, XXXX FL XXXX After the sale had closed I discovered that Bank of America had a lien on the property that wasnt released in the foreclosure. I contacted BoA who reviewed the file, inspected the property and after negotiation agreed to accept {$15000.00} as full and final payment ( attached ). Soon after I received the document in XX/XX/XXXX I received a follow up phone call from the representative, XXXX XXXX Ph XXXX to confirm I had received it and asking when I could make payment. I advised him I would need to put all my funds into the property to renovate it to be able to bring it to the point where I could sell or finance it and be able to pay the agreed amount. He accepted this answer without caveat and I have had no contact of any kind since. 
I have spent 2yrs investing my time and money to renovate this cottage that was completely derelict ( BoA own inspection confirmed the very poor condition ) and finally was able to complete it, and with the help of the improved market I am able to sell it and breakeven. The property is now in escrow with a close date of XX/XX/XXXX. The escrow agent contacted BoA to verify the payoff paperwork and was told that BoA was going reassess the demand since values have gone up! 
Per the attached the agreement we made for {$15000.00} has : No per diem, payoff figures will not expire. 
BoA blatant attempt to now renegotiate the deal because I have spent two years and my savings to renovate this home is unscrupulous and unethical. They have no cause to reassess this agreement, they have not contacted me in any way since negotiation to advise the time was limited, and only now through greed are they trying to take advantage of the situation. 
Please quickly move to require them to honor the agreement made as I have worked for two years in good faith to deliver on my commitment to pay them the agreed amount. To lose this escrow, the only one in months on the market would be devastating.
Product: Student loan

XXXX has violated Usury laws by charging 13.75 % on a private loan. They then sold my loan to AES and the rate remains the same, not lower. The loan total was taken out at {$10000.00} and now has reached {$12000.00}. I have paid {$12000.00} in interest and yet my loan is now at {$12000.00}. I want this loan discharged, as the interest rates violate the California XXXX rate of no more than 10 %. This loan is virtually impossible to pay with the high interest rates. On top of that, the XXXX XXXX XXXX California - XXXX XXXX put me through unethical sales tactics through their financial aid department to take out this loan.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX and TransUnion Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Debt and Cease and Desist Communication Request under 15 USC 1692 ( c ) Dear XXXX XXXX XXXX aka XXXX I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the account referenced as [ Account # XXXX ], which you claim I owe. I am formally disputing the validity of this debt in its entirety and requesting that you provide verification of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

In accordance with 15 USC 1692 ( c ) of the FDCPA, I request that you cease all communication with me regarding this debt, except as required by law. This includes, but is not limited to, phone calls, letters, emails, or any other form of contact. 

If you fail to comply with these requirements my rights as a consumer are to seek legal action ( sue ) against your agency ( XXXX XXXX XXXX ) for violations of the FDCPA. This could result in actual damages, statutory damages up to {$1000.00} or more per violation and attorneys fees and costs. 

Ive attached my consumer report from all XXXX credit bureaus ( XXXX, XXXX XXXX XXXX TransUnion ) that your agency ( XXXX XXXX XXXX  ) is reporting this alleged debt. 

Thank you for your prompt attention to this matter. I expect to receive confirmation that you have received this dispute and cease communication request within 30 days or delete this alleged debt from my consumer reports.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX XXXX Laws Dear WORLD FINANCE CORPORAT, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 .

It has unequivocally come to my attention that WORLD FINANCE CORPORAT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX state law, specifically Section 392.301 of the XXXX XXXX XXXX, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the XXXX XXXX XXXX establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as XXXX Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for WORLD FINANCE CORPORAT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that WORLD FINANCE CORPORAT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the XXXX Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that WORLD FINANCE CORPORAT will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
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 ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( 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: Student loan

As os XX/XX/XXXXmy total balance with Navient was {$47000.00} including principle and interest. Since XXXX/XXXX/XXXX ( Last 6 months ) I have been making monthly income-based payments of {$150.00} for a total of {$920.00}. 

Naveint has confirmed receiving each payment as reflected by my credit report and Navient online portal. 

However, instead of my total Balance declining by the paid XXXX to {$46000.00}, it has increased by {$350.00} leaving my current total balance at {$48000.00}.
Product: Debt collection

I was a victim of identity theft when my home was burglarized in XX/XX/2015 ( XXXX XXXX XXXX report attached ). All my valuables were stolen including a car and a safe box which holds my social security card, passport booklet and passport card. 

I am receiving calls from Midland credit company for a debt that was not mine from XXXX XXXX ( identity theft account ).
Product: Debt collection

XXXX. Not my account. 

This situation has been ongoing for so long, I do not even know when it began, but do know that I am very ill and XXXX at the time and over XXXX. 

I could hardly believe I received another collection letter recently, thinking after speaking with XXXX a few times, that per them, all was corrected. I have had the same phone number for many years, 14+. I started getting billed first from XXXX and then the collectors. 

The statement amount if for {$470.00}, dated XX/XX/2017, which was sent with the collector letter. I.C.System, account # XXXX, ref # XXXX. {$94.00} of this amount is for a collection charge. 

I realize one could talk until they are blue in the face with people like this to no avail. Well, I buy cheap phones and keep my bill down. I do not know how this occurred, but want the harrassment stopped.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Balance {$62.00} Date Opened XX/XX/XXXX XXXX XXXX Balance {$3600.00} Date Opened XX/XX/XXXX XXXX XXXX Balance {$250.00} Date Opened XX/XX/XXXX XXXX Balance {$11000.00} Date Opened XX/XX/XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, Ink ) 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: Checking or savings account

On Saturday XX/XX/year> I received a check from my credit card company for my rewards I have accumulated in the amount of {$310.00}. I took the check to the ATM after work to deposit it. Upon inserting the check into the ATM I was informed that my check was not deposited and could not be returned and that I should go into the office in the morning. On Monday I went into the bank and told the teller what had happened and she gave me a number to call. On my lunch break I attempted to call the number but all it said was 'Congratulations you earned a {$100.00} rebate just for calling. You can hang up now '. I called the bank and was told I was given the wrong number and given another number to call. I called the new number and was told they don't know why the ATM took my check and I'd have to file a dispute for it to be investigated. I filed the dispute. The next day I checked my account and {$11.00} was deposited into my account from the check. The check was for {$310.00}. I waited a week and then called back to find out what the problem is but was told nothing. They did issue a 'provisional credit ' that I can not use since they said if they find against me in the dispute they will take the money back. So I am forced to leave the money in my account in case they decide to take it back so my account doesn't get overdrawn and reported to the credit bureau as the one representative threatened to do. It has now been three weeks and I can not get any answers from the bank. They can't tell me why the ATM took my check and my account has been in limbo waiting for a resolution.
Product: Checking or savings account

I ordered a vending machine on XX/XX/year> from a company called XXXX XXXXXXXX XXXX XXXX XXXX I submitted the order through the company 's website online. But the website wouldn't allow me to complete the payment directly through the website, instead it instructed me to pay for the item via XXXX. I called the number on the website to make sure the company was legit and spoke to ( XXXX XXXX XXXX ) a representative or the owner for the company. I sent over {$1900.00} via XXXX to the company but I never received the machine that I paid for. Instead I've been contacted by several other people to send more money to the company. 

Once I realized I had been scammed, I filed a claim with Wells Fargo and XXXX but neither one of the companies will help me get my money back from the scammer. 

I have text messages and emails to prove my case. I just want to be reimbursed and move forward. I also reported the scammer to the Internet Crime Complaint Center also.
Product: Credit card or prepaid card

I seen a unauthorized purchase on my account and my money was stolen over {$3000.00} dollars I got money back for 3 of the payments totaling {$1200.00} and I been told I authorized the transaction for {$1700.00} when I have proof that I never got a hotel or even made a authorized transaction for a hotel and I have receipts and bank statements and I would like my money back thats too much to lose
Product: Checking or savings account

I was made aware that Citi was closing my checking account on XX/XX/year>. I went to access my account to pay my bills and was could not access my account or view any of my detail- and called customer service to find out that they were closing my account. They would not tell me why - or when I would receive my funds. I still can not access my funds today. 

On XXXX, I called again and received the same response over the phone. I then visited the branch and was told that my account was frozen and in the process of being closed because it was flagged for fraudulent activity. When the banker reviewed my transactions, he showed me the transaction that was flagged. It was a deposit to my brokerage company XXXX for $ XXXX. 

The banker then called the internal fraud and risk department to try and have the issue resolved and release my funds. He was told that that was not possible and that I would have to wait up to 60 days for Citi to close my account and then I would receive a check for the amount of money in the account shortly after. 

I told them that I needed access to my money to pay my bills and rent but was told that there was nothing they could do.
Product: Credit card

I asked Discover to issue me a new credit card so that XXXX could n't find me to charge an annual recurring charge of {$59.00} for an account that was set up by my minor child without my consent. XXXX was not helpful when I called and kept asking for information I did n't know because I did n't set up the account. Discover issued me a new card with a new number and promised me that XXXX would not find me. The next year ( in XXXX ) the XXXX charge showed up on my new card! I have been disputing this since XXXX XXXX and talked to numerous people. In the end ( after disputing and removing XXXX different times ), Discover made me pay the {$59.00} XXXX charge AND XXXX cancelled the account. The last time I called, the agent conferenced in XXXX and witnessed how difficult XXXX is to deal with and that it was impossible to resolve without knowing certain information about the account ( tag number or something like that ). So here are XXXX giant companies who no longer have the ability to provide customer service to XXXX small customer.
Product: Credit reporting or other personal consumer reports

I'm extremely frustrated with Sterling background check services. I've submitted my details as a result of offer employment on XX/XX/XXXX. I've received a deficiency request on XX/XX/XXXX and I provided them the details on the same day. My date of joining was early XXXX. 

Currently, the criminal check is pending from one county in Kansas. The anticipated date of completion of the check was XX/XX/XXXX. However, the completion date ( with escalations ) was pushed back to XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and now I have no idea when it is expected to complete. I'm sure a background check should not take 45 days. 

I have to call them to find out the dates and all the support representatives say is to wait until the targeted date. When I call them on the said date, they say it is postponed to a future date. All the representatives suggest is for me to ask the company that offered me a job, to let me work without Sterling doing their job of finishing my report. 

The financial loss and XXXX that Sterling is causing me is immense. All I ask from them is finish my background check at the earliest.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed that the account from XXXXXXXX XXXX XXXX is being reported as a repossession. There is no deficiency balance, this account has been paid as agreed and reporting this information is inaccurate. I have reached out to all XXXX credit bureaus to have this information corrected with no formal response. 

This information being reported to my consumer report is in violation of 15 USC 1681. 

I have the right to privacy and have not given written consent for this misinformation to be reported. 

Furnishing my transactions and experience are violating my consumer rights. But most importantly each company has the responsibility of reporting maximum accuracy and not doing so is also in violation.