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

I am filing this complaint to BARCLAYS BANK DELAWARE for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these fraudulent account is still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Product: Debt collection

THIS DEBT DOES NOT BELONG TO ME. 
In the early part 2018, I requested validation of debt from IQ Data International Inc regarding the erroneously reporting of a debt to all 3 major credit bureaus. Upon return from a family emergency out of town, I received a letter from IQ Data International Inc stating that the principal balance due in the amount of {$6400.00}, Interest due in the amount of {$410.00} that gave a total balance due in the amount of {$6800.00}. I do not have an account with this agency and when I contacted the alleged original creditor in XX/XX/2018 I actually reached out to the original creditor ( XXXX XXXX XXXX ) at a XXXX # and spoke with XXXX/XXXX  ( not sure on how you spell it ) however, I was not given any information on the account. I later call back to speak with another rep and after asking about information pertain to the alleged account I was advised that all business could be handled with the collection agency. I then began to research/request my public file from XXXX County and seem where there were no files for eviction of any sort for this property or from this collection agency. Upon further research of my consumer rights, I found out that this agency is NOT bonded in the state of Texas, which according to Texas Finance Code 392.101, prohibits them from collection activities. This is the first violation that subjects the debt collector to civil and criminal penalties and entitles me to civil remedies under section 392.403. In addition to the bond violation, a debt collector may not add interest to a balance that were not included in the original contract. Again, although this contract does not belong to me, every time the collection agency reports to the credit bureaus, the amounts continue to increase, even after they failed to STOP reporting during an investigation. There is nowhere in the contract that states any interest will accrue. No one deserves to be victimized by overly aggressive debt collectors and their unlawful practices by them completely knowingly ignoring the Fair Debt Collection Practices Act, which they MUST comply to. I demand that any and all collection activities not only cease and desist but be PERMANENTLY deleted from all records internally and externally within the company, the original creditor and all major reporting agencies namely XXXX, XXXX and XXXX. I have attached a copy of my findings using several searches.
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint against Wise Bank. On XX/XX/2023, Wise Bank initiated a XXXX transfer to my XXXX XXXX XXXX  account, which was supposed to arrive within 1-4 business days. However, it has been 14 days and I have yet to receive the funds. I have repeatedly contacted Wise Bank via phone and email numerous times, but the issue has not been resolved. Furthermore, I have no idea where my funds are, and I can not continue to wait endlessly for them to arrive. 

I urgently need Wise Bank to locate my funds and provide me with a clear timeline for when they will arrive in my receiving account. I have been patient and cooperative throughout this process, but the lack of communication and resolution from Wise Bank has caused me undue stress and inconvenience. 

I urge the Consumer Financial Protection Department to take action against Wise Bank and ensure that they fulfill their responsibility to their customers. I look forward to your prompt response and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report through XXXX XXXX software in the beginning of XXXX XXXX And noticed inconsistencies with the reporting of my account with XXXX XXXX XXXX XXXX. The problem was that all three credit bureau's were reporting different late payments. 
So I sent out the 1st letter on XXXX XXXX by certified mail. 
Certified mail receipt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax
Demanding that all three credit bureau's remove the late payment due to all three credit bureau's being in violation for not displaying 100% accurate information on my report. I then also included a copy showing the account 
( XXXX XXXX XXXX XXXX XXXX XXXX  displaying that in fact all three credit bureau's are displaying inaccurate information.
I received my credit report from all there credit bureau's 30 days later informing me that they verified the information and that it was accurate.
I then conducted some more research through the credit consumer laws and was able to gather some violations that the credit bureau's are committing against me at this time such as (Pursuant 15 USC 1681a 2(A)(i) & FCRA 15USC 1681a 2Ai )
I then sent out a second letter on XXXX XXXX XXXX by certified mail
XXXX XXXX XXXX XXXX XXXX XXXXEquifax
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
demanding once again for all three credit bureau's to remove the incorrect information from my report and that all three companies are in clear 
violation of the laws. I made sure once again to send a copy from XXXX XXXX   software to show that all there companies that are still displaying incorrect information and that they are clearly violation my rights. 30 days later I received my credit report from all three credit bureaus stating that they have investigated the matter and that they have the correct information. Once again my question is how? Since all three credit bureau's are reporting all different information. Ive been dealing with this back and forth for months now and it is ridiculous how these companies are able to get away with violation our rights, identity theft and fraud.
If this matter is not resolved in a timely  matter, I will contact my Attorney General XXXX XXXX XXXX  XXXX XXXX I greatly appreciate the help
Product: Checking or savings account

I opened a cash management account with wealthfront and a few days after I funded the account and requested a debit card, they closed the account without notice, warning or explanation. The only response I received was, wealthfront didnt think I was a good match for their product.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX
Product: Debt collection

A collection account that was part of my identity theft case just appeared on my credit file.
Product: Debt collection

On XX/XX/year>, I received a letter from USCB America stating if I write to them to dispute the listed debt for {$160.00} by XX/XX/year>, " we must stop collection on any amount you dispute until we send you information that shows you the debt. '' On XX/XX/year>, I received a letter from USCB America stating if I write to them to dispute the listed debt for {$970.00} by XX/XX/year>, " we must stop collection on any amount you dispute until we send you information that shows you the debt. '' On XX/XX/year>, I wrote to USCB America to dispute the debts for {$160.00} and {$970.00} and to request additional information. 

On XX/XX/year>, I received a letter from USCB America stating if I write to them to dispute the listed debt for {$25.00} by XX/XX/year>, " we must stop collection on any amount you dispute until we send you information that shows you the debt. '' On XX/XX/year>, I wrote to USCB America to dispute the debt for {$25.00} and to request additional information. 

USCB has not sent me any information that shows me any of those three debts. 

On XX/XX/year> and XX/XX/year>, USCB America robo-called me and left me messages asking me to return their call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper Use of Credit In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right.Below are the inquiries that are not authorized by me and unrecognized. 

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/XXXX
Product: Student loan

I 've had XXXX private student loans through Sallie Mae since XX/XX/2011, and had my checking account linked to my Sallie Mae account for automatic withdrawal each month. Sallie Mae 's system, however, refused to charge my bank account each month and therefore by the time I noticed my payment was late, Sallie Mae forced me to pay late fees each time. When I would call Sallie Mae 's customer service to speak with a representative, I was either hung up on multiple times or transferred to incorrect departments. 

When my income dropped drastically, I was forced into forbearance instead of adjusting my month payments. Even when I did pay the {$100.00} forbearance fee, I was called daily by their collections line stating that my payments were late. 

I feel like Sallie Mae has failed me at every step of the way. They were never willing to work with my situation and made my jump through unnecessary hoops to even begin problem solving.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Ca

sh 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 their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, personal loan, or advance loan

I have multiple accounts with Upgrade, including personal loans, checking and savings accounts. One of the loans is set up on auto-pay from the Upgrade checking account ( ending in XXXX ). The autopay was set to pay {$330.00} on XX/XX/year>. I noticed the account did not have enough to cover the payment, so I transferred funds from my Upgrade savings account ( ending in XXXX ) into the checking. Per Upgrade, these funds are available immediately since it is an internal account transfer. 

The account had just enough to cover the loan payment, but I later received notice that the loan payment was not made due to insufficient funds, and I was charged a {$10.00} late fee. I have since rescheduled the original payment amount of {$330.00}, but I want the {$10.00} fee reversed since my account did have the funds available to cover the loan payment on XX/XX/year>. 

I tried numerous times to contact the company and request the fee be reversed, but every time I call I am told that " a different department handles that '' and I just keep getting transferred around.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CREDCO Inquiry :XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Vehicle loan or lease

During the high pressure sales of a XXXX XXXX XXXX by sales Representative XXXX XXXX at XXXX of XXXX, XXXX XXXX XXXX., XXXX, OR XXXX on XX/XX/XXXX my Gap Addendum for {$620.00} said XXXX XXXX and other contract paper work said Mechanics Bank. There is no Mechanics Bank in XXXX XXXX CA XXXX. Because XXXX of XXXX did not give me all five pages of the Gap Addendum only page one, there is no Mechanics Bank in XXXX XXXX, Ca XXXX, I was high pressured, rushed through the sale, and not given the Used Car Buyers Guide for the XXXX XXXX XXXX. The contract # XXXX should be voided and XXXX of XXXX should take this car back to the XXXX of XXXX. XXXX of XXXX should have never delivered by XXXX XXXX XXXX company the XXXX XXXX XXXX-XXXX to the middle of drive way, locking the car, blocking my garage door with out my permission or my signature. XXXX of XXXX does not follow XXXX XXXX XXXX XXXX or XXXX XXXX selection Guarantee stated on the internet. Worst customer treatment buying a car I ever had.
Product: Credit card or prepaid card

capital one credit card closed 7 accounts for no reason. now they will not allow us to use our accumulated points to purchase a new XXXX XXXX product.
Product: Mortgage

I have an ongoing issue with Ocwen Loan Servicing, they allowed a mortgage to be obtained in my name by forgery, they have agreed that this happened, they have released me from the loan and debt, yet it is still showing on my credit reports as an open account. This is preventing me from obtaining a mortgage for myself
Product: Debt collection

Under the fair debt collection practices act pursuant to 15 u.s.c. 1692b the laws were established and written to protect the consumer where debt collectors must abide by the laws accordingly.

Truist Bank has attempted to collect a debt illegally.

The fair debt collection practices act says any person, company or alleged creditor who attempts to collect a debt is a debt collector!

Ignorance of the law is no excuse.

15 USC 1692b ( 2 ) shall not state that such consumer owes any debt ; ( 3 ) shall not communicate with any such person more than once unless requested to do so by such person.

( 5 ) shall not use any language or symbol on any envelopes or in the contents of any communication. 
XXXX 's are illegal and a violation of a consumer 's right to privacy. 
Post cards are illegal as well and the amount on the post card shows a positive balance and not a negative which means only a debt can be shown as a negative balance. 
Each violation {$1000.00}
Product: Credit reporting or other personal consumer reports

My credit file has numerous errors that ia have attached on this complaint, i have contacted the bureau mailed them, emailed them and faxed but this issues have not been fixed, as a consumer i have a right under the FCRA to have accurate information across the bureaus on the files i will be uploading you can see multiple and multiple errors/inaccuracies, i would like this issue to be fixed, i believe that these discrepancies violate the accuracy and integrity provisions outlined in 15 USC 1681e of the FCRA. This section requires consumer reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumers ' credit reports.
Product: Checking or savings account

Hello, i am here reporting a problem regardless between XXXX and Bank of America. On XX/XX/2020 i made a purchased through my debit card to XXXX for a laptop for {$970.00}. Fast forward to the day of delivery and it is not here so i contacted their customer service just to check maybe because of covid 19 maybe there is a delay to the package and whoever on the other side states that the package has been delivered. I told the customer service that i did not received any package and i check around my house and also my neighborhood just in case they keep the package away for safely but no one see it. The customer service proceed to check what option they have and they decide from their end to send a replacement prior to any claim and investigation to the claim of my package. I received the replacement package and after further research on the laptop after couple days i decided to went in store and return the laptop. On XX/XX/2020 i received my refund back on my debit card, but on XX/XX/2020 XXXX decided to charge me again for the same amount without any contact or email. I am trying to contact XXXX to explained them what is happening and ask why there is the same charge to my debit card. Everyday it will take between 40 minutes to 1 hour and 30 minutes just to reach someone. I was told that they indeed refund for the item that i returned in the store. I told them that i understand that i received a fund for the item that i returned but why i got another charge for the same amount. I tried to solve it with their customer service for at least 2 months but nothing seem to work and i contact Bank of America for help regardless the issue. BOA filed a claim dispute for the amount and yet as i provided a physical return receipt from the store and what happen with the charge. I filed the total of 3 dispute charge with BOA with all end result is under resolved which is not true. I was punished because XXXX customer service decided to not file a claim or investigation prior to ship out a replacement and XXXX tried to point finger that is my fault. The XXXX order number is : XXXX. The BOA claim number is : # XXXX. I bought the laptop to work from home and now my account went negative and nobody seem to understand what i am trying to explain what is happening with the issue. All those three times i filed claim with BOA i always provide the copy of my physical return receipt from the store. I believe the charge they charge again is under the first laptop that they sent and it went missing. I need help. Thanks you!
Product: Credit card

I have several retail accounts which have been sold to or serviced by Synchrony Bank. During the last six months, Synchrony Bank has lowered my credit limit with each account ; however, all accounts were paid prior to the due date and payments exceeded the amount due each month. By lowering my credit limit, Synchrony Bank adversely affected my credit score with the XXXX major credit reporting bureaus. Synchrony Bank has either filed hard inquiries or reported lower credit limits during six of the last eight months. Synchrony Bank has NO JUSTIFICATION in conducting these monthly credit inquiries. These repetitive inquiries are unjust, unnecessary, and adversely affecting my credit score ; therefore, I demand that SYNCHRONY BANK discontinue its discriminatory practice of unjustly submitting information resulting in the unjust and adverse lowering of my credit scores with the major credit reporting agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : Dispute Regarding Late Payment under the CARES Act Dear Sir or Madam, I am writing to file a formal complaint regarding a late payment on my account with XXXX XXXX. This charge was applied during the COVID-19 pandemic, and I believe it should be removed under the protections established by the CARES Act. 

Description of the Situation : Lender Name : Account Number : XXXX Date of Late Charge : XX/XX/XXXX Amount of Charge:XXXX Reasons for the Dispute : The CARES Act provides protections for consumers facing financial difficulties due to the pandemic. In my case, This happened to me in the middle of the pandemic. Unfortunately, I couldn't work several times. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As soon as I managed to get a job, I was able to continue paying the loan. 
Given that this situation is covered by the CARES Act, I request that the late payment charge be reviewed and removed from my account. 



Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I were involved in a personal Chapter  XXXX  bankruptcy case in  XXXX . The case continued for several years and was successfully closed on  XXXX   XXXX ,  XXXX .   We sent copies of the final order closing the case to all  XXXX  Credit reporting agencies ..Experian,  XXXX , and  XXXX .     We hired a credit repair service to work with all the agencies and creditors that had incorrect information. Most responded and after working very hard for several years, we saw major improvement in our credit scores from all  XXXX  agencies.      XXXX  has corrected my status to show that the Bankruptcy is closed, Experian and  XXXX  still show me as in an active/open bankruptcy.     I am attaching the order from the US bankruptcy court officially closing the bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent written correspondence to Experian credit reporting agency of an account ( XXXX XXXX XXXX ) that needed attention. However, the credit companies are not complying with their own policies in a timely manner. This has caused me undue XXXX XXXX and XXXX  and has hurt my ability to obtain credit because the agencies are supposed to be reporting 100 % accurate and correct information.
Product: Debt collection

Phoenix financial has reported me to the credit bureau 's with false information including the dates the accounts were opened ( I checked w the bureaus ) in an attempt to re-park my debt for an additional year, not only that when I reached out to them one of the people who work for them lied to me and said that I had made a payment on this account which is impossible because I never opened it to begin with. Not only that they had the wrong name the wrong address and as soon as they noticed my credit was improving they reported me and made my credit go down 30 points with an accurate information. When I called they were extremely rude and unprofessional borderline bullying telling me that I was responsible that this medical bill I incurred was even as a result of [ they made up something ] which I know for a fact I have never been inflicted with in my life I also priced checked with the hospital that they claimed I went to and at the hospital has cited with me and saying that they are incorrect. Phoenix financial services are full of coercive thieves please help!
Product: Debt collection

My name is XXXX XXXX. I have requested a debt verification about 3 months ago and have since been in contact with me debt collector " National Credit systems ''. They have failed to provide me this information which makes me believe that this debt isn't valid according to the FCRA. My SSN : XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Colorado XXXX. Phone number : XXXX.