23daVinci/CFPB_Complaints huggingface dataset:
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 federal protected consumer privacy and confidentiality under 15 US 1681. 
XXXX XXXX XXXX acct # XXXX, XXXX Acct # XXXX XXXX acct # XXXX XXXX acct # XXXX 15 U.S.C 1681 section602 A states I have the right to privacy 15 U.S.C 1681 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 to any consumer reporting agency If the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I signed up for the Jet Blue Credit Card on XX/XX/XXXX. At the time I signed up Jet Blue offered XXXX points with the stipulation I paid the annual fee, and charged the required amount within 90 days. At that time I purchased two round trip airline tickets to Florida. I paid the annual fee on XX/XX/XXXX and charged {$2300.00} to the card ( this is twice the required amount ) .on XX/XX/XXXX. This offer was made on line when I was about to charge the tickets to my visa account. It also was posted in the airline terminal and onboard JetBlue flights. I also received three emails advertising the points. The first was dated XX/XX/XXXX, the second was dated XX/XX/XXXX and the third was dated XX/XX/XXXX. The XXXX point offer was in effect before and after I signed up..Recently I received another email dated XX/XX/XXXX indicating the clock is ticking - be sure to earn your bonus points. I spoke with customer service at JetBlue and the representative stated that the information I provided was correct but they needed Barclays to authorize the points. I spoke wit Barclays customer service and they stated they would look into it. On XX/XX/XXXX I received a letter from Barclays stating " We're currently unable to assist you with your rewards issue ''. I contacted customer service and asked for a reason and they indicated that since I purchased tickets at the time I signed for the card they had the option to give the discount or the points. Nowhere was this offered and they advised it was their choice to do this. In checking my account I see that a XXXX XXXX bonus was applied instead of the XXXX advertised at the time of enrollment. I believe this is very unfair to be treated this way and hope you can help with this issue. At first I believed this was an administrative error but after speaking with both JetBlue and Barclays it appears to be more than that.
Product: Credit reporting, credit repair services, or other personal consumer reports

AmeriNational is reporting lates on my mortgage that are erroneous. I paid this off in XX/XX/2018 and it is no longer reporting a balance, yet it still continued to add lates and report them to my credit. I need this removed as it is effecting my credit and the lates are erroneous and in violation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on the their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process 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, and I seek appropriate redress for these violations.
Product: Checking or savings account

XXXX has collected money of my checking account in America first credit union, since XX/XX/2023. I bought them two resumes and they collected the amount. After that they are collecting more money. I went to the bank and they sent the report to XXXX. They said that that account was cancelled. I wrote to XXXX, and they sent in many times the same answer : the account is cancelled and we don't give refunds. They didn't stop collecting the money. I didn't sign a free trial.For this reason I write you. Thank you.
Product: Debt collection

Several months ago I owed XXXX XXXX XXXX XXXX XXXX ( XXXX ), as I was unemployed ( due to COVID-19 ) I could only afford to send them XXXX, then last month in XXXX I sent them the remaining XXXX in the form of a check which XXXX ( XXXX XXXX XXXX XXXX XXXX CA ) cashed. I recently received a demand for payment from A.R. M. Solutions, Inc XXXX XXXX XXXX, CA XXXX and ARM said they would report this NEGATIVELY ON ALL OF MY CREDIT REPORTS. I do not think it is fair for ARM or XXXX to try and EXTORT MONIES FROM ME THAT I DO NOT OWE, and also threaten my credit ratings.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate personal information that is being reported on my credit report by your agency. Upon reviewing my credit report, I have identified discrepancies in the personal information section that require immediate attention and correction. 
The inaccurate information is as follows : [ Describe the inaccurate personal information, such as incorrect name, address, date of birth, social security number, etc. ] Address update XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CO XXXX Number update - ( XXXX ) I hereby request that you investigate and correct the inaccuracies in my personal information as soon as possible. It is imperative that the information on my credit report is accurate and up-to-date to ensure fair and accurate assessment of my creditworthiness. 
Please provide written confirmation once the necessary corrections have been made to my personal information. Additionally, I request that you provide me with a copy of the updated credit report reflecting the corrected information. 
I appreciate your prompt attention to this matter and look forward to your timely response. Thank you for your cooperation in resolving this dispute.
Product: Debt collection

Made settlement with company and paid over phone. Obtained confirmation number. Account still being reported with the balance Owing. Spoke with collector and was informed balance showing also show posted payment Was informed they didnt mail out the settlement letter. But the rep made settlement offer over phone and account paid then as well.
Product: Debt collection

Step 1 : What is this complaint about?

Attempt to collect bogus charges that were not in my Doctors ' agreement. I have attached the formal letter that went to all patients from my Doctor.

Step 2 : What type of problem are you having?

Attempt to collect bogus monies ( {$1200.00} ) for XXXX XXXX ; a company now in bankruptcy. During a call with the collector, I was told that if I don't make payments, they will need to report our debt to one of the three major agencies. I have NEVER seen a bill for these charges, and if I had, I definitely would have addressed it swiftly. I have worked too hard to obtain my FICO score of XXXX. Also, my Doctor sent formal letters to all of her patients informing us of the bad faith practices of XXXX, and that these charges are at no fault to Doctor or their patients. 

Step 3 : What happened?

When I spoke to XXXX XXXX XXXX via telephone, I told them that I would not be making any payments until they send me a Validation Notice to Prove the Debt. As of this date, I have not received that document. However, now that I have been notified by my Doctor, I seriously will not pay the bill due to their underhanded collection practices. 

Step 4 : What company is this complaint about? 

Original Debtor : XXXX XXXX. Company attempting to collect payment : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

Step 5 : Who are the people involved? 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently discovered many inquiries listed on my credit report. It appears someone is trying to purchase vehicles, lines of credit or credit cards in my name. I recently purchased a home in XXXX, XXXX  and this has happened in-between this time frame. There are about 21 inquiries listed some under my name with my social security number and some using my social # under different names. Please have these inquiries removed as this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$970.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXXXXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX 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: Vehicle loan or lease

Hello Team, Following up again on my XXXX complaints that I raised earlier : XXXX XXXX Apparently, the complaints were closed and the feedback that I provided was never sent to the company. 
XXXX XXXX made an error again in generating the XXXX XXXX per their communication in response to previous complaint. They have been repeatedly poor at handling this case, and all my issues have been documented in these complaints. 

I am adding my response back in this ticket : The company said : As a result, we mailed a notification to you on XX/XX/XXXX informing you that XXXX had agreed to a settlement in the amount of {$29000.00}. I did not receive notification related to the above statement. As mentioned in my original complaint I had explained the situation to XXXX multiple times during every possible conversation I had with them. I did ask for a transcript or log of all the calls that were made. I am expecting an amount of USD XXXX from XXXX XXXX  as a compensation for the mix up they have done in my case. I am not trying to pull a fast one or take advantage of the situation here. XXXX did go ahead and penalize me for a mistake that was from their end and I was sent for rounds in getting these fixed. ( Raising complaints to XXXX, CFPB, Calls with XXXX to name some ). This has caused a lot of suffering in terms of time, money and XXXX. A meagre USD XXXX does not justify the issues I had to face.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

I have two XXXX XXXX accounts that were apparently charged off and bought by this company, but they have very similar amounts, and the same account number. I've only ever had one XXXX XXXX product. The dates are similar too. I am requesting validation of these debts as they do not make sense.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices l, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take the 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 Funds Transfer Act ( EFTA ) And Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX   Even after I entered into a forbearance program in XX/XX/XXXX after being a victim of natural disaster ( Harvey ) in XXXX Texas, they are are reporting a late payment for me inXX/XX/XXXX ... they had specified no late payments were going to be reported. This had ruined my credit and I need this late payment to be removed and status to be current. On top of all this they stopped reporting my payments after they reported that late pay. So as of now XX/XX/XXXX, my payment history is inaccurate and they are not willing to correct it. I have called them numerous times, and they just say they will get with me but never do. Not only did they report a late pay that they were not supposed to but also have stopped reporting my payments after that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian have these negative items on my report I tried to resolve the issue and its still not fix.None of the companies XXXX XXXX XXXX, XXXX or any of the negative items on my report have a agreement with my signature or valid contract.I didnt give any of these companies to share any information.They dont have a statement saying I paid them anything.
Product: Debt collection

XXXX XXXX XXXX XXXX sent me to collections on an amount that my insurance was late paying. My insurance did pay. XXXX XXXX XXXX  took that amount and applied it to other billings. Ones it was not for. Now I have a collection agency calling my " Progressive Management ''. on billings my insurance has paid, I have given proof of this,
Product: Debt collection

account, XXXX XXXX XXXX XXXX This account ending in XXXX. Does not belong to me I never opened this account. The last XXXX of my social is XXXX. Which is not the last XXXX on this account. 

The account was transferred to collections agency source receivable management!
Product: Credit reporting, credit repair services, or other personal consumer reports

Best Buy reports information from XX/XX/2013, however I was delinquent in the beginning of 2013. The 7 years of delinquency has done the damage already and I ask to remove them as this account is beyond the statue of limitations for first reported delinquency. This account needs to be off my reports please.
Product: Credit reporting

Experian is the only company of the XXXX that require supporting documentation such as drivers licenses, utility bill copies etc to be filed with them to establish or renew a 90 day fraud alert. If XXXX and and XXXX can accomplish all that online why not Experian? Their requirements could easily lead XXXX to believe they are attempting to make the process difficult as possible with the hope that consumers will just abandon placing an alert. Alerts, to my understanding, if filed with XXXX company are to be shared with the remaining XXXX agencies but that does n't always happen. Why ca n't the process be, made easier ( this is not concerning myself so much as other filers in the household )?
Product: Checking or savings account

I have banking relationship with Bank of America more than 25 years.. I have checking and saving, credit card accounts with them. My problem starts with wire transfer of {$30000.00} to crypto investment website to : XXXX Bank of American refuses to wire transfer the money saying it is a scam site. XXXX XXXX from Bank of America fraud department called me an put my account on restriction. I can not withdraw any money from my account. Because of this, I suffer the following financial loss as result of their account restriction : 1. I signed a contract with XXXX XXXX to fund my account for {$30000.00}. The website is suing me for failure to fulfill my contract. They said they XXXX appeal to the court to frozen my real estate, cars and fund.I have document to prove this. They have forfeited my account money with them. My loss is {$1400.00}. as of XXXX XXXX XXXX I suffered loss of late charge from my other account such as XXXX {$50.00} Bank of America has not right to say I wire transfer to XXXX  is a scam site.It is not up to them to determine which is a scam site. 

I am asking them to pay for my loss of {$1400.00} for putting account under restriction.
Product: Student loan

I believe I am eligible to receive a discharge of my applicable XXXX student loans since the school I attended committed misconduct. This is called a XXXX XXXX XXXX. 

The school I attended made untruthful and misleading statements while trying to convince me to enroll and stay enrolled. The school concealed, suppressed, or omitted certain Information that would have been important to my decision of whether to enroll or remain enrolled, and the concealment caused you harm. This includes conduct such as : - A failure to provide important information about graduates employee outcomes ( guarantees of employment and wages over a certain salary ), the school 's educational programs ( the ability to transfer credits, the qualifications of my instructors, and if my degree qualified me for a specific certification ; the school 's financial charges, program costs and financial assistance available ) ; or - A failure to tell me that certain factors, like a criminal record or the program not being authorized by the appropriate agency, would prevent you from meeting requirements for employment in the program 's field. 
-The school engaged in aggressive and deceptive recruitment tactics to convince me to enroll and stay enrolled. They took advantage of me. 

My school was sued by the department of education for all the reasons explained. My federal loans were dismissed as part of the XXXXXXXX XXXX XXXXXXXX settlement. 

My loans were with XXXX consolidated before the settlement in XXXX. The total amount consolidation was {$27000.00}, with a current balance of {$20000.00}. The loans consolidated are a direct result of school misconduct. I am requesting a school misconduct discharge.
Product: Credit reporting or other personal consumer reports

My account with 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 60 days 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 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 XXXX
Product: Credit card or prepaid card

I've been a XXXX XXXX Credit card holder for over a decade. Realized several years ago that a {$19.00} per month charge was being made out of my XXXX XXXX card account and called XXXX. They assured me that I would no longer be charged. Recently, I checked my statement and realized that I have never stopped being charged {$19.00} per month by a company called " XXXX XXXX. '' I called the number listed and was told that it had been charged monthly for several years and that they would stop the charges. My XXXX XXXX statement this month is still showing the charge. I have incurred over {$2000.00} in charges from this company I have never authorized. Please help me cancel this and get my money back. My XXXX Credit card is closed, but I am still incurring these charges!