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

I called on TWO occasions to notify XXXX XXXX that I was having problems with the payment account on file due to a disputed transaction that occurred on my bank account. I had to open another bank account for my monthly payments to continue with the new account information which went way after my due date. I even made a payment over my usual payment to confirm my willingness to continue working with them. They have inundated me with phone calls at odd times of the day including unsocial hours which I find very frustrating and unprofessional. I have since continued to make my regular payments as scheduled ever since bringing my account up to date but the late reporting have impacted my credit score and its making it impossible to get on with the required financial headway of every day life.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXXXXXX 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  15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate the report by more than XXXX 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

My account ending in XXXX is not reporting to XXXX  the full trade line is remove and I need it placed back on my XXXX  credit profile.
Product: Credit reporting or other personal consumer reports

An a XXXX credit line was opened fraudulently in my name in XXXX of 2023. They used my phone number and personal info to do so. In XXXX of XXXX when I discovered the fraud I called XXXX to report the fraud and was advised to close the account during their investigation and to make the monthly payments in the interim. I did not hear back from XXXX for months and when I called back to check in I find that not investigation was started so I file XXXX again. The results of the investigation were that since I made payments to the account ( under their advisement ) that that was enough proof to deny my fraud investigation to have the debt erased. My XXXX account was completely deleted so I didnt have any access to the XXXX XXXX account to get updates and handle things. When I tried to resolve it again they were extremely unprofessional and unhelpful that even if XXXX of their employees advised me wrongly that that is not on them and doesnt reflect in their records. So not only are they trying to put the fraudulent debt on me but also dismissing all of the payments I already made to the account. This is completely unethical and manipulative.
Product: Student loan

I tried to pay my student loan in full with Great Lakes on the due date of XX/XX/XXXX in the amount of {$13000.00} by phone. The phone payment computer was not working and it finally took my payment on XX/XX/XXXX using an agent. Instead of a XXXX -XXXX- balance, I am being billed for a {$51.00} balance plus interest since XX/XX/XXXX. Great Lakes is only posting my payment in full ( {$13000.00} ) as am " Amount Paid Ahead '' causing me to incur interest. The customer service representative told me that I must still pay daily interest even though I paid in full. This disputed balance is being reported on my credit report. The technical difficulty in accepting payment was caused by Great Lakes. It is outrageous for someone to have their credit crippled due to Great Lakes error. Especially with the payment of {$13000.00} in one lump sum having been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bay view loans continues to report that I have an open account and that payments are incorrect. I have already signed a legal document that states the mortgage and dead have been surrendered to   XXXX   XXXX  .   XXXX   already shows the corrected information that matches the legal document, yet   XXXX   XXXX   is still receiving incorrect information. All documents have been filled with the court system.
Product: Credit card or prepaid card

Our American Express is being billed multiple recurring charges for various streaming services we did not sign up for. Despite attempting to cancel directly with the merchant, they made it impossible- asking for account number, and when wed say we have no account number- theyd do nothing, so the recurring charges kept being billed. I contacted American Express, asking them to cancel the card and to ensure no more recurring charges would happen. I continued to see recurring charges. I contacted them XXXX times on this- and they continue not doing anything and essentially saying they will do nothing and Ill have to live with the recurring charges. This is not putting the consumer first. Their stance has been even if its a charge you never signed up for, were not going to ensure its not charged to you. Because despite cancelling the card- we continue getting billed recurring charges! Ive spoken to a supervisor there on about my fifth contact with them and continue to have XXXX resolution. Furthermore, I asked that a portion of my {$95.00} annual fee just paid in XXXX be refunded if I choose to cancel my American Express account altogether and they say they will not. So again, its consumer abuse as expectations in paying the {$95.00} fee is to have helpful customer services but despite reaching out to them XXXX times, they continue to do nothing. Thus- I should not pay {$95.00} for inadequate service or i wouldve signed up for a card with no fee if I knew the service would be non existent. If I cancel the card now, they should pro rate my annual fee and refund me. The {$95.00} is for an annual fee, not a XXXX month fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 an account without my written instructions
Product: Vehicle loan or lease

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXX  XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
4. A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXX XXXXXXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Money transfer, virtual currency, or money service

XXXX received check from XXXX XXXX XXXX ( XXXX ) for XXXX for final payment of work performed on house. Check was made out to me, my wife, and XXXX XXXX. 
XXXX All the parties endorsed the check and it was mailed to Ally. 
XXXX Ally contact my wife to inform her they would NOT be accepting the check. 
XXXX XXXX informed us they couldn't reissue a check due to Ally negotiating the check. XXXX provided proof of negotiated check. 
Multiple phone calls from Ally stating they are sending either my wife and I a check or the insurance company. 
XXXX -received check from ALLY for XXXX made out to my wife and I and XXXX from ALLY. ( NOT THE INSURANCE CHECK ) XXXX wife took check to truist who has REFUSED TO ENDORSE THE NEW CHECK and has informed me they didn't need to be on the check. 
XXXX Ally wants me to send their check back so they can cancel it. Then reissue the check to the insurance company so they can send me a check for the amount AGAIN. 



We are currently still out {$21000.00} and are being yanked around by Ally bank.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$9600.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
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. 


Account Name : 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 XXXXXXXX 1

5 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 whi
ch 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

I submitted a dispute online and Experian and XXXX supposedly investigated the issue and it came back as a valid debt. It is not and if they properly investigated with the information below and attachments I submitted they would see it's not a proper debt and needs to be removed from my credit report. 


We moved out of our apartment ( XXXX XXXX XXXXXXXX ) XX/XX/XXXX. In XX/XX/XXXX, I contacted them to get an apartment verification for a home loan and I was told that we had a {$3000.00} balance for failure to vacate the property without notice. I told XXXX XXXX property manager ), we did give proper notice and even showed him the email that was sent to the previous property management, he said that it was not valid. I contacted the previous property management company, who confirmed I gave proper notice AND that information was emailed to me. My husband personally went to the office and gave XXXX the copy along with a copy of the picture of the walk thru we did with his former employee and he said he would send it to corporate for approval and get back to us within a week. Two weeks later, we heard nothing. My husband went to the property again and was told by XXXX that corporate denied the approval and we still had the {$3000.00} balance and now he was saying that included damages. I contacted corporate several times in XX/XX/XXXX and finally received a response in XX/XX/XXXX from XXXX XXXX. I was told the charges would be corrected and would only be charged for damages, which she estimated around {$900.00} or less. Again I never heard anything until in XXXX I received notice that they sent me to collections. I contacted corporate again and several times since and have not had a reply from them til this day. XXXX the property manager did reply and said he left me a voicemail and I didn't pay so he sent it to collections. I asked when he left me a voicemail because I never received a call from him, he said he didn't know. Furthermore, if my balance for damages was around {$900.00}, I'm sure they didn't take into account that I gave a {$1200.00} deposit and therefore don't owe them anything, they would owe me money. Also, he could have contacted me via email because he had my email address ; that was included in the email from XXXX XXXX ( his corporate office ). And in the paperwork I gave him also included my forwarding address, I never received a notice by mail either.
Product: Debt collection

CONVERGENT OUTSOURCING ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$290.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

XXXX XXXX  XXXX verified that I have no debt, loan or default under my name, or ssn to the Sheriff, cyber crimes unit. In an attempt to collect debt and embezzle property, the debt was " KITED '' in direct violation of truth In Lending Act ( 15 USC 1601-1667f ), Title 18 513 ( a ) 1-3, B, C, D, E, counterfeit forged securities. 


XXXX  XXXX XXXX, purchased a {$50.00} buydown title policy and brought a {$0.00} principle balance debt to $ XXXX, while a XXXX trustee attempts to sell the property through XXXX for XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX I am a victim of identity theft ; pursuant to 530. - 530.55,  booked into evidence by cyber crimes is verifies the new loan issue dates which I am not in the notary journal. 

I have no loan with any of these parties, as verified by authorized two way recorded conversation booked with the Sheriff.
Product: Debt collection

After speaking to my insurance company regarding payment of the claims, my insurance informed me that they had requested the company call them and/or submit additional information regarding the claims. My insurance company informed me that because XXXX XXXX did not communicate and respond to them the claims were not paid. 

After my dispute of the 8 different collections on my credit reports ( XXXX, XXXX and XXXX   ) it appears the XXXX removed the collections in XXXX, 2019 and resubmitted them as new in XXXX, 2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus regarding reporting bankruptcies on my report. I have contacted XX/XX/XXXX and XX/XX/XXXX and was advised that they do not verify XX/XX/XXXX information. I have disputed this with all three reporting agencies and they have refused to remove these reporting 's on my report. They are reporting fraudulently as there is no verification for any XXXX information.
Product: Checking or savings account

My account was closed for no reason known to me. It was very unprofessional on citi parts because there was no explanation they just put a hold on my account then closed it with no reason given. I want a check for the remaining funds in the account XXXX XXXX dollars
Product: Credit card

I signed up for the American Express Platinum card a few months ago after seeing their advertisement that states that they would give out XXXX Membership Rewards ( MR ) points ( equivalent to {$1000.00} cash ) to anyone who spends {$3000.00} on the card in the first 3 months. I spent over {$3000.00} and was awarded the XXXX MR points. A few days ago, I logged into my account and the points had been removed. American Express has sited " Returns '' as a reason for removing people 's XXXX MR points. You can see in the attached statement, however, that I had never had any returns on my card and I spent {$3400.00}, well over the {$3000.00} requirement.
Product: Credit card or prepaid card

Citibank closed my credit account without prior notification and this account closure makes me losing all of my points, which are XXXX points. Citibank said they can close my account whenever they want and they are not willing to tell me the reason they are closing my account. They also refuse to return the points to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Caine & Weiner is on my credit report for XXXX XXXX and XXXX I did a XXXX XXXX  this was on their this should be removed right away off of my account.
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 ( XXXX ). 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 XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations
Product: Credit card or prepaid card

I was reviewing my credit card statement after I had paid off two of my promotional offers before the expired time that would prevent me from having to pay interest on the balances. Upon reviewing the credit card statement which should of had a XXXX balance I noticed I have been getting charged interest. I had contacted the customer service agent and inquired as to what I am paying interest for and was told that I had a charge back in XXXX that expired the promotional time. I had notes on one of my statements from XXXX of XXXX as to where I had talked to an customer service agent and was told about this charge. I was told if I paid the balance off of the older charge there would be not further interest charged it was {$330.00}. So I had paid that amount off at that time. Due to this matter once again at the present time I started reviewing my statements and have noticed that on the statement there is no information of the balance I am paying interest on and just the interest amount was shown on the statement. I also noticed that the payments I have been making all this time was going to the last purchase made instead of the oldest transaction. I have been told many times by customer service representatives that my payments that I make on the account always goes to the oldest balance first. When I chatted with a customer service representative they said my balance still owing is {$580.00} back in XXXX and that I am paying interest on that amount. I told them the amounts were not adding up due to it was 2 years ago and should have been paid off by now due to it being the latest charge. The person that I chatted with I could tell they got frustrated and let the chat time out. Looking further into my statements trying to find this purchase is when I noticed it wasn't even on the statement just the interest charge. Then looking further into my payments being made and what they are being applied to on my balances I owe that all of my payments I am making are not being applied to my balances nor the interest. So I want to know where the portion of my payment is going if not on the balance or the interest owed. I have contacted customer service numerous times and due to the frustration of the agents my calls were disconnected. So I feel that they can see all the information of the transactions and my statement is lacking information. This problem is so frustrating that I hope the company will address this matter to see if they are having issues with their programs. Or edit their statements so the customers can actually see what their payments are being applied to.
Product: Money transfer, virtual currency, or money service

{$1000.00} was debited by Cash App from my Bank account. The funds were not sent to the recipient nor were they returned to me. 

See attached letter detailing events together with and supporting documents for more detail.
Product: Vehicle loan or lease

Today I received notification that Flagship reported my car note incorrectly on my Credit Bureaus. I have documentation showing that they have placed the payment on the back end of the loan. I was not aware that they would try to report this as a late on my credit report therefore the reporting is inaccurate. I have attached the signed letter of having the payments put on the back end of the loan. This has caused my credit score to decrease severely.
Product: Checking or savings account

Today I am purchasing a car I have XXXX in my account I have been at the lot from XXXX to XXXX Speaking on how I can transfer my funds The last resort was removing it off the card They never stated my pin was not active All those hrs on the phone At this point finally found a car An ready to make purchase transfer on XXXX is not available due to time past XXXX So removing cash from card is last resort Told rep I was all set thats all I would need an went to withdraw Got 3 errors stating bank institution declined transaction I called they identified me States I couldnt use the car until 24 hrs Im stuck here at the lot With XXXX on my card an can not use it Because they said I never setup a pin an I used the checking pin not knowing the savings did not have a pin they never stated that when I had an issue transferring the money through XXXX or wire XXXX now me an my son are stuck here an they will not allow access to my money. 
I have a XXXX old son an this has caused a major issue Im also making a police report as well.