23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, i was email by Square.com that read " In order to compliantly sell XXXX on Square, youll need to join our XXXX  XXXX XXXX XXXX. Please fill out this form within 7 business days. After 7 business days, we will stop deposits to your bank account until the form is complete. You will still be able to process payments ... '' Late last year 2020 I shut down my XXXX XXXX because of all the regulations they have on selling XXXX. Since i stopped selling XXXX and COMPLETLY shut down the business, and DELETED my XXXX XXXX from square i started a new business. I now have a XXXX XXXX that i started after deleting my XXXX XXXX. I Emailed Square to tell them i NO LONGER SELL XXXX   PRODUCTS SO I CAN'T AND WILL NOT APPLY FOR THE XXXX PROGRAM THEY ARE REQUESTING. I gave it 7 days to see if I would get a response and i got nothing from square. I gave them a call and explained to them that I no longer sell XXXX  products, I've deleted the store and cut all ties with XXXX  products. The current store ( XXXX XXXX XXXX ) started getting sales and square still has a hold on my funds. They told me that i would hear from someone in a couple of days and the issue should be resolved. Another 4-5 days went by and I'm still getting sales and my account is still on hold over an OLD store i had. I've called the company 8 times to resolve it and no one has helped me. I had someone email me telling me if no one reached out to me by XX/XX/XXXX to email her and let her know. I emailed her 3 times with no response. I'm a small business trying to make ends meet and square is not responding or helping me in the 2day time frame they listed or the 7-day time frame listed. It's about to be a full month of me shipping out products to customers without having the funds released. If this is not resolved and my funds are not released from square I will be forced to close down my business. I can't keep sending out products without receiving the funds for the products being sold.
Product: Debt collection

I have recieved a letter from First nations Collection bureau inc. In this letter they claim that XXXX is the creditor as well as Routhmeir Sterling inc Asset Management. This is FALSE. XXXX was sold XX/XX/XXXX to XXXX XXXX inc which continued to run it as wholly owned subsidiary. Class action suits began XX/XX/XXXX, They settled with the governmental agencies and this constituted the largest settlement ever against a credit card company for widespread unlawful business practices. I received a check as part of this settlement. XX/XX/XXXX, XXXX XXXX was seized by the federal government and then sold to XXXX XXXX. I have spoken with a XXXX executive named XXXX XXXX XXXX ext. XXXX. She assured me that XXXX does not collect on accounts that are as old as this. So, with that said, XXXX XXXX XXXX XXXX and Routhmeir Sterling are committing several crimes in trying to collect this debt. Fraud, violation 's of both Federal and state law 's. They obviously have no right to try and collect any debt from me as neither company posses a state license to operate as collection agency in my state. XXXX bought up the bank that bought XXXX. They do not have XXXX 's permission to try and collect this debt, I have spoken with a XXXX executive They list XXXX as the creditor and that company no longer exist 's. This is fraud as far as I am concerned. If either of these collection agency tries to put this on my credit reports then I have no other recourse but to bring legal action. for violation of the Fair Credit Reporting Act, violations of the Fair Credit Reporting Act, various state law 's and Defamation of character. They even sent coupons for me to make payments with, how nice of them. This company obviously PREY 'S upon people that do not know the law. They are continuing to try and collect a debt that I do not owe or is not mine. 
I am pondering the avenue of legal action against these companies at present.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX XXXX XXXX  I disputed the accuracy of ACCOUNT- XXXX XXXX XXXX XXXXXXXX via mail to XXXX XXXX XXXX replied via mail on XX/XX/XXXX, stating that the account was verified as accurate. On XX/XX/XXXX, I replied via mail requesting a description of the procedure used to verify the account. On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX responded via mail stating that the data furnisher verified the information on my credit profile. On XX/XX/XXXX I followed up with XXXX via mail requesting the information received from the data furnisher used to verify my account. On XX/XX/XXXX XXXX responded via mail stating that the data furnisher verified the information on my credit profile. 

On XX/XX/XXXX I responded to XXXX via mail stating that the following information is reporting incorrect and inaccurate on my credit report Missed payments on the following dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/XXXX The total sum of the payments NOT reported equals {$1200.00} which is {$250.00} over the balance ( {$990.00} ) being reported. 

The payment history is INCORRECT and INACCURATE The amount owed is INCORRECT and INCACCURATE
Product: Credit reporting 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 XX/XX/XXXX : # XXXX {$830.00} XXXX : # XXXX {$69.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX : # XXXX XX/XX/XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agncies are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the files : XXXX IL XXXX, IL XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX  XXXX Balance : {$740.00} XXXX XXXX XXXX  XXXX Balance : {$8100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00}. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

JPMCB - AUTO FINANCE Account type - Credit card Date opened - XX/XX/2017 Address JPMCB - AUTO FINANCE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Above Account created under JPMCB - AUTO FINANCE without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
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  has violated my rights.

15U.S. C 1681 section 602 A. States have the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to previous CFPB Complaint I submitted reuqesting the correction of the erroneous accounts reporting on my Credit File. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of accounts with erroneous information that should be corrected as soon as possible : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$520.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXX XXXX Balance Owed : {$49.00} XXXX XXXXXXXX Balance Owed XXXX {$2100.00} XXXX XXXX Balance Owed : {$910.00} XXXX XXXXXXXX Balance Owed : {$910.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$8000.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 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 that are reported 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 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: Debt collection

Hello, I have a collection account from XXXX that was slated to drop off of my credit report soon, because we 're coming up on 7 years. 

About a year ago, my credit score dropped and XXXX, whose credit monitoring service I use, told me it was because of a new collection account. 

It is the same collection that was slated to drop off, but now it says that it was opened XXXX/XXXX/XXXX. 

XXXX XXXX was the original creditor. They charged me a ton of money in overdraft fees and I could n't afford to pay it. 

I have attached more info regarding this debt. I think it 's unfair that a collection account that is scheduled to drop off has been reactivated, with a corresponding hit to my credit score. It sounds unethical and possibly illegal. 

Thank you. 
-XXXX
Product: Debt collection

An unknown number called me today XX/XX/2019 at XXXX and left a message to call them back at ( XXXX ) XXXX. After calling the number the guy on the other line stated that he was an attorney and I was going to be sued and served papers to my home and or workplace on a specific date if I did not pay in full. He asked if I was trying to commit fraud and had all of my information without my permission. I have contacted the company to dispute the information and feel that I am being pressured to pay when I do not have the funds. They are trying to get a third party debt collector involved by saying they are attorneys when they really arent. Threats coming to my home and workplace is very concerning.
Product: Bank account or service

i got a promo code of XXXX Citi points alongwith opening Citi Gold checking account. There were additional requirements that i had fulfilled and the XXXX points were supposed to be posted after 90 days of account opening/meeting requirements. The points never posted. I got in touch with the Citigold representative multiple times, had XXXX separate long phone calls on all of which they acknowledged that i had met the requirements and the points would post in next few days. each time i waited and nothing happened. Then upon further inquiry i was told that Citi has done their internal investigation and found that I was n't targeted for the promotion so I was n't eligible. i have proof/screenshots of the promotion offer that i saw onscreen after i opened the Citigold account. So i told Citi that offer me a chance to prove that I got a confirmation of this promotional offer after I opened the account. I was never offered a chance to provide proof. They just plainly denied and repeated their findings that I was n't targeted. I feel cheated and foolish that I was taken for a ride. I read online that a CFPB complain may help to resolve the issue. For the time being i have dowgraded my checking account at Citi so I do n't have to keep on paying a fee of XXXX $ /Month and also being cheated off the XXXX offer. Please help and advise. I am attaching the word doc of screenshots that shows the offer of XXXX points with opening up Citigold account and it shows my name/account number after opening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to trans union and XXXX  and it came back all information verified I dont see how when Date last activity is different trans union have XX/XX/XXXX and XXXX  have XX/XX/XXXX Date Opened : trans union XX/XX/XXXX and XXXX have XXXX.Account Description : tran union have joint account and XXXX have individual accounts.Account Status : trans union have open and experian the the account close. Account XXXX is the same difference date the fair credit act states credit reporting be 100 % accurate information every step must be taken to assure the information reported is completely correct therefore these accounts should be deleted
Product: Credit reporting or other personal consumer reports

Dear CFPB, Transunion and XXXX have provided XXXX XXXX with my personal and private information without my knowledge or consent. 15 USC 1681 604a section 2 provides In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I have never given Transunion or XXXX consent to release my consumer report to XXXX XXXX. I have never applied, had, or held any accounts, loans, or association with XXXX XXXX. 
Furthermore, this information has been posted on my Transunion Consumer Report since 2019, in complete violation of FCRA which provides that inquiries posted on a consumer report for not more than two years. Transunion and XXXX did not have my consent to release my information to XXXX XXXX and they surely do not have my written consent. 15U.S.C. 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. TransUnion is not maintaining reasonable procedures.
Product: Debt collection

I HAVE CONTACTED BMG MONEY SEVERAL TIMES TO LET THEM THE KNOW ABOUT THE LATE PAYMENT THAT IS REPORTING ON MY ACCOUNT DUE TO A HARDSHIP AND ME BEING IN THE HOSPITAL WITH XXXX XXXX XXXX XXXX. I hav asked several times that the late payment be removed form my credit report this is affecting me Badley at this time.
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX BANK XXXX XXXX, BANK OF XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX DEPARTMENT OF EDUCATION FOR {$1500.00}, XXXX XXXX XXXX Charges filed Officer XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you
Product: Credit card

My new credit card was stolen by the person seen in a video from my front porch after XXXX left it there. Then, it was used to make purchases at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX approximately between XXXX XXXX XXXX ; three transactions were made : one for {$130.00}, another one for {$73.00}, and a last one for {$100.00}. Another transaction was attempted at a XXXX XXXX XXXX XXXX for {$22.00}, but that is when I got the bank 's notification, and I knew the card was stolen. I called my bank but denied me the credit because they think it was me, and want me to file a police report for further investigation. They say they can't access the XXXX XXXX location cameras without a police report to verify it wasn't me the one doing the purchases. I have a video however US Bank says they don't have a way of getting that video which I don't believe. Also, they only allowed me to upload screenshots, which I did, but the representative told me they received those in black and white ; it is hard to believe also.
Product: Money transfer, virtual currency, or money service

I used paypal to send XXXX $ to a peson who claimed that he would sell me a watch. He got the money through paypal but refused to send the watch. I reached out to paypal and nothing can be done about that
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Bank account or service

I have been a victim of fraud. On XXXX I notified SunTrust that I had some items on my account that I did not authorize and also noticed that I no longer had my card. I advised them that I last used my bankcard on XXXX at XXXX just to purchase a couple of items. I was told to submit an affidavit for the items that I was disputing and was told that I will have a decision within XXXX business days. I contacted them several times within the XXXX business days to get updates. They came back with the decision and stated that they saw no fraud was made against my account because my pin number was used. I told them I had just recently received that new card in the mail and no one had the PIN other than me. Some of the fraud was made using a XXXX ATM. I went to the branch location where the fraud was done and asked if I can review the video from the camera and I was told that they had no way of showing me. I asked if the video was even reviewed and they could never give an answer which makes me think that it might be a SunTrust employee that is associated with the fraud. I was told by the SunTrust employee that I would have to do my own investigation and submit more proof to them. The associated advised me to go to XXXX to request the tapes to be pulled, which I did, and was told that they do n't have the authority to show me and video surveillance and can only be requested from the bank institution or an investigator. I also asked if a signature card was pulled to prove that the signatures on the back of the check did not match my signature but once again my request went unheard. I am requesting a full refund of all of the fraudulent items including the fees and a FULL investigation from SunTrust in house because I feel that SunTrust has frauded me and is possibly frauding other SunTrust members. The items that I am disputing are 2 checking that was deposited into the ATM one for {$910.00} and {$930.00}. There also was an ATM withdrawal for {$500.00} and 5 Wal-Mart purchases totaling {$260.00}. Also I have been a LOYAL customer with SunTrust bank for over 10 years and my account has ALWAYS been in good standings. I used this account for all of my personal banking needs such as receiving my direct deposit from my employer and paying bills. I have also incurred late fees because I am unable to pay my bills due to the fraud on my account.
Product: Credit card

When Costco switched from XXXX XXXX XXXX XXXX XXXX to Citibank, Citibank decided to change the cash award period that they paid in XXXX to cover a calendar year instead of the XXXX through XXXX period that XXXX used. This meant that even though Citibank paid the award in the same month as XXXX XXXX XXXX XXXX, they only paid their customers for 11 month of their cash awards instead of XXXX.
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. Please have these accounts DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX