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

Due to financial hardships I took the initiative to apply and was approve for a repayment plan with ALLY financial bank for my car loan. I agreed to pay {$450.00} on the 24th of every month for the next 8months and after my regular payment cycle will continue. I paid my part of the agreement. Ally financial reported inaccurate information on my credit report which is a violation of my consumer rights, which placed me at a risk for fraud. I am mentally distress due to the breech in contract. I contacted ALLY XX/XX/2023 and was told I could receive a waiver due to their lack of miscommunication of the repayment plan and their inconsistencies. I was told to wait 45 days. It has been more than 45 days and I have not received anything in writing. I am writing a complaint because this company has reported inaccurate account information of alleged late payments for the months of XXXX XXXX XXXX and XXXX of XXXX and is inconsistent. My credit report has change numerous time due to ALLY financial incorrect reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter into Equifax XXXX to update my personal information
Product: Credit card or prepaid card

I paid my card balance to Bank of America in full on XXXX a balance of XXXX. This money was deducted from my checking account. On the XXXX of XXXX, Bank of American deducted this exact amount from my checking account again. I contacted them and was told that I would receive a check for that amount as a refund. On the XXXX of XXXX, I was at a XXXX balance because of this conversation. I never received the check. Then, on the XXXX, I was charged {$2700.00} two more times, as well as returned check fee of {$27.00}, and an interest charge of {$39.00}. I discovered this on the XXXX and I called Bank of America, and over the course of several hours spoke to four different people. I was told that they never received any payment from my bank, although it was clearly deducted from my bank account. The money appears to be gone from my checking account, and I somehow owe Bank of America {$5500.00}. I was told that the bank stopped the payment and that I should have the balance in my bank account in five business days, at which point I could pay my balance. I asked for a refund of the fees, since the situation was due to their error, and they refused, but said that Bank of America could discuss refunding the fees on the XXXX after I paid my balance. I asked to close my account, and then proceeded to do so. I then asked for the person 's direct line so that we could discuss refunding the fees on the XXXX, assuming that the $ XXXX was posted to my checking account. After he closed my account, he told me that because my account was closed he could not refund my fees. He did not advise me of this information before I closed the account, and led me to believe that the fees could potentially be refunded at a later date.
Product: Debt collection

I noticed a collections account on my credit report from Harris & Harris Ltd. I looked online and found their phone number and called to inquire about the debt on XX/XX/XXXX and was told that the collections account on my credit report was from XXXX XXXX XXXX in the amount of {$620.00} for a cable services dating back to XXXX that I have no knowledge of and did not benefit or authorized anyone to use my identifying information to use for anything at anytime. And of during such period my personal information was involved in several data breaches which I was a victim.The agent at Harris & Harris Ltd. named XXXX transferred my over to a XXXX XXXX rep for XXXX  cable named XXXX. That agent had me to file a FTC Fraud report which I did and was given a Case # XXXX and told me I should hear something back in 10 days. Which I did not. So I called back on XXXX/XXXX/XXXX and spoke with XXXX at Harris & Harris Ltd. Which she said she hadn't heard anything back about the fraudulent account that was appearing on my credit report at which time she gave me a File # XXXX and told me she would check into and seen me an email when the investigation was completed. Which she never did. So she transferred me over to XXXX XXXX XXXX Fraud Dept . where I spoke to XXXX but no update was given and at this time I submitted another FTC Complaint and have not had this fraudulent account removed from my credit file. So on XX/XX/XXXX I submitted a formal dispute to the 3 major credit bureaus and am waiting on their response.
Product: Debt collection

Constant calls during late nights or early mornings and during my work shift. If I block the number theyll just call using another one.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo has willfully withheld information regarding my payment history ; and, once the history was finally released, it was inaccurate. This has resulted in my not being able to refinance my mortgage.
Product: Checking or savings account

I was over drawn in XXXX and XXXX. I was making small payments to my account. I finally was able to secure a new job and was not made aware that capital one had put a permanent freeze on my account. They then accepted almost XXXX XXXX dollars in direct deposit from my employer. I called last Thursday to find out why my atm card would not work and was informed that they had frozen my account. I asked if now that I had direct deposit they could open it up. They said no. I asked if o could withdraw my money they said no. I explained that I was on a Covid crisis response nurse travel contra and needed my stipend to secure housing. They said no. They did agree to expedite my check. Fast forward ten days and 7 business days later no check. I check my bank account and see that they have accepted two more direct deposits so now they have XXXX XXXX of my dollars and not closed my account. Im living in my car and have run out of food. I have over. XXXX in their bank and they tell me oops, Ill have to wait another ten business days. This is unacceptable. Im not disputing their right to close my account. Im disputing their lie of getting me a check last week, accepting another direct deposit and because they messed up still having to wait what will now be almost twenty business days got my money. I have lost my apartment, Im about to lose my job because I dont have money to wash my uniforms, let a lone take a shower everyday while living in my car in the XXXX XXXX parking lot.
Product: Checking or savings account

my account was closed I called the number given to me by the bank. after speaking to fraud department briefly, they hang up on me. I called again and no one wants to speak with me. I don't know why. So I called the number behind my card located in Florida. I explained what I had experienced they person seem nice to try to get me answers, I waited for the person to return back to me on my phone. It was quite and hung up again on me. So no one once to speak with me about my account.
Product: Checking or savings account

On XX/XX/XXXX I set up bill pay for the amount of {$80.00} for XX/XX/XXXX. My account was then frozen on XX/XX/XXXX and slated to be closed. The bank has not apologized for this and my account is still might be closed. Tried to file a complaint with BBVA Compass and was hung up on several times. I have my VA deposit to this bank account and will be homeless of they close account.
Product: Credit reporting or other personal consumer reports

I have attempted several times to get this company to comply with ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; They are refusing to lawfully comply which is also a violation of The Privacy Act of 1974, as amended, 5 U.S.C. 552a, which establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. 

The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. Click here to see a list of DOJ systems of records and their Federal Register citations. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.16 CFR 313.7 - Form of opt-out notice to consumers ; opt-out methods. ( f ) Continuing right to opt-out. A consumer may exercise the right to opt-out at any time. They are also in violation of my copyrighted name and are now committing identity theft by me opting out and not having my express written consent and authourization.
Product: Money transfer, virtual currency, or money service

Yesterday XX/XX/2022 I was scammed {$350.00}. I was trying to but a ticket for a concert. I texted this person on XXXX  because they had some available. They sent me pictures and a video so I paid. I never received the ticket. I asked for a refund but never got a response. Their name is XXXX XXXX. Their XXXX  handle is XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( cfpa ) .specifically cashapp 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 very 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

I received a check from a " company " that was get me on board. The check should be used to pay all the required to accomplish the remote work. After I received the check they requested me to deposit on my bank account. I did it. After that, they requested me to send a XXXX transfer to an email address. I setup this as an business account and try to send the transaction. They tall me that they didn't want to make the transaction as a business. So, in the middle the bank calls me about the transaction and I just canceled it. Then, they requested me to transfer to another account and I said that I have to verify the check with my bank. I got to the bank and had a meeting with a representative. I told her that I think that this check is illegal. She talked to me that I have to call the online services because I did the transaction through it. I called to the online services phone and told them that I suspect that this check is illegal and that I don't want those funds. Today, the bank sent me an email saying that my account was canceled due to this check. I really don't understand, if I did the correct things why the bank is doing that kind of thing. I think this will affect my score so I need to know what can I do.
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 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, 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX- {$980.00} The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o No monthly payment information o The payment history has both closed and late at the same time, which is not possible o The last payment date shows XX/XX/XXXX, while Experian says XX/XX/XXXX o Payment statis is charge off, but XXXX XXXX never provided a 1099C o The date Closed has no info Experian : o The account is closed, but still shows a balance o The balance was last updated XX/XX/XXXX, but is charged off o XXXX has last payment date of XX/XX/XXXX o Status shows as charge off, but XXXX XXXX has never sent a XXXX. 
o Shows past due, closed and charged off all at once, which is not possible XXXX o The last payment date shows on XXXX XX/XX/XXXX, while Experian says XX/XX/XXXX o Payment statis is charge off, but XXXX XXXX never provided a 1099C o Worst payment status says No Info o The account status is derogatory, but also shows never late in the times 30/60/90 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. I sent my request way past 30 Days before but I still didn't receive anything from Equifax. Per FCRA, without any response for 30 Days after disputing my accounts should be considered as deleted or removed.
Product: Debt collection

I don't recall having a contractual relationship with this collection company XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX   XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX   XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Debt collection

Medical Debt was Reported to Credit Bureau in XX/XX/XXXX. 
I am unaware of any medical procedures done, but based off the timeline, the original creditor was most likely for a Covid Test back in XXXX when state wide emergency was in effect and all COVID exams were free. This was never verified or made aware of to me. 

I did not receive any notice of debt from provider OR collection agency and first saw it on my credit report. 

I disputed it on all 3 Bureau, It does not show on XXXX and XXXX, but as of XX/XX/XXXX, the collection shows on XXXX. The latest status date was as of XX/XX/XXXX. 

The amount of the debt is {$470.00}. 

I am also aware that medical debt under 500 should not be reported /shown on Credit report and should not affect credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of the following hard inquiries from my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my knowledge or consent, as a result of identity theft and fraud. As such, I am requesting that they be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, 15 U.S.C. 1681c ( a ) ( 4 ), credit reporting agencies are required to remove fraudulent inquiries from a consumer 's credit report. As a victim of identity theft and fraud, I am entitled to have these inquiries removed from my credit report. 

I have already taken steps to address the identity theft and fraud, including filing a police report and notifying the relevant financial institutions. I am now requesting that you take action to remove these fraudulent inquiries from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through  XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.