23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They have been calling me repeatedly and leaving messages on my voicemail. My phone immediately flags it as spam due to the number that they are calling and how often they are. They called me 3 times today back to back. They will also send emails to me repeatedly. I have disputed them to each credit bureau ( XXXX, XXXX and XXXX ) after they decided to add random supposed " debts '' to my credit without notifying me of what it originally was.
Product: Credit card or prepaid card

1 ) I noticed fraudulent transactions on my credit card ending with XXXX on XX/XX/XXXX. The amount in the fraudulent transactions were : {$7.00}, {$370.00}, {$1.00}, {$23.00}, {$33.00}, {$1.00}. I immediately reached out to the bank ( Bank of America ). 

2 ) They canceled my credit card and issues me a new card and took the charge off my credit on  XX/XX/XXXX. 

3 ) In about second week of XX/XX/XXXX, I received a letter of Bank of America stating that I had benefited directly from the transaction ( s ) made on the account.As a result, I will be responsible for the balance on account. 

4 ) I contacted them again stating that the I never did the transaction and I don't agree with their review. They told me that they will investigate again and I will see the charge taken off my credit card after about two weeks.

5 ) Today i.e. XX/XX/XXXX I contacted Bank of America again through phone inquiring about the review and I was told that they have confirmed that the review done by them was correct and they will not take the charge off my credit card.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX Account Number : XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment XXXX  XXXX Account XXXX Please remove it from my credit report. 

US DEPT ED Account XXXX This is not mine. 

XXXX - Account XXXX Please investigate and delete it from my credit report. 

XXXX XXXX - Account XXXX My parent has the same name as me.
Product: Debt collection

I have asked the company XXXX to not call me at work and to communicate with me In writing and they 're still calling me at work.
Product: Checking or savings account

Synchrony Bank put my funds on hold without communication/explanation. I have called several times and spoke with several people who have not been able to resolve this issue. 

I was told by Synchrony that because my Mom, who also had an account at Synchrony Bank, and I have the same name - and my Mom recently passed away, the bank made an error and put a hold on my account due to the same name mix up. I have not been successful at trying to resolve this and have not been able to access my funds for more than two weeks. I have spent more than 12 hours on the phone speaking with Synchrony associates who have not been able to rectify this issue. I requested to speak with a manager and spoke with XXXX who assured me that she would resolve the issue and call me back. I have not heard from anyone at Synchrony. My direct deposit paycheck was refused by Synchrony and I had to call my employer 's bank to receive the funds into a different account.
Product: Mortgage

Hello, I started a mortgage refi application in XXXX with Wells Fargo who services my current mortgage. My current rate is XXXX while the refi rate lock was 2.625 %. I feel as though Wells Fargo completely harassed me in several different aspects. 
They started the process by pulling my credit history which identified some areas of concern. Wells Fargo moved assed this ; however, and continued to request information over a three month period. Wells requested the same documents over and over, made me upgrade my home owners insurance, made me pay for a property assessment, submit P & L Statements multiple times, and send retirement information several times. I submitted everything in a timely manner following the credit report yet the requests kept coming. In the end, Wells denied me based on information they had from the first week. I feel like this process was very unprofessional and in the end Wells kept searching for another reason to deny me. When they couldn't find anything Wells resorted back to the credit report. I have requested documents from Wells ; however, they will not return emails. I hope there is an oversight committee that can review this complaint. I feel as though Wells made a financial decision that was best for them while harassing a customer.

The irony is that Wells claims they want to assess risk yet my refi would have been less risk than the current mortgage. Both houses appraised at more than I stated and my credit score improved, yet Wells only updates information that will hurt an application if that is their plan. 
Thank You
Product: Credit reporting or other personal consumer reports

Recently Checking my credit report I noticed that I've been a Victim of Identity theft and found numerous credit Inquiries I have no Knowledge of here are the inquiries that I've found : Experian XXXXXX/XX/XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I also Attached my Identity Theft report as well.
Product: Credit reporting or other personal consumer reports

My account with Experian 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 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.

Experian 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 card or prepaid card

XXXX XXXX XXXXXXXX last reported on XX/XX/XXXX {$2000.00} XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX  - opened XX/XX/XXXX $ XXXX reported it to the credit burrows as fraud XXXX XXXX - last reported on apr XXXX {$450.00} opened XX/XX/XXXX i opened the card but the card was stolen didnt notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud. Discover Bank XXXX XXXX, XXXX {$7100.00} XX/XX/XXXX opened this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX  {$7100.00} XX/XX/XXXX opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX " XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$550.00} opened XX/XX/XXXX this account i never opened and i called up the credit burrow, and XXXX and asked them to take it off and told and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX " XXXX XXXX XXXX last reported XX/XX/XXXX {$410.00} opened XX/XX/XXXX i opened the card but the card was stolen didn't notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud.
Product: Debt collection

I have paid in full a medical collections XX/XX/2020 and CMRE XXXX has reported to my all three credit bureau and they will not remove it from one major credit bureau XXXX to date. I have disputed many times and they will not remove/delete. Even with results of dispute that they are reporting accurately with a XXXX balance. they negativity reported me as i was in agreement to make payment and I was affected but COVID 19 and missed one month. I made contact with CMRE and they gad already reported to credit bureau 's so I paid the remain balance in full of {$390.00} which one was one month that I missed and they reported without making contact with me by call or mail to give me a fair opportunity to pay in full before reporting. I have been spending much expense by XXXX XXXX to help me get them to comply and remove/delete from my credit report as this as affected me by getting denied for applying for a credit card due to this error reporting. Please help me make CRME responsible for this as XXXX and XXXX  have removed/deleted from credit report. I have letter mailed to dispute from XX/XX/2020 and still either parties will remove CMRE from XXXX credit bureau. 
Please inform me who is party that is responsible for this XXXX OR COLLECTOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I have a current and active PayPal account. On XX/XX/18 I requested to withdrawl {$200.00} from my PayPal balance to my debit card instantly. I agreed to the instant transfer fee and clicked agree. I received a error message stating transfer will be delayed 72 hours. I was promised over the phone by a PayPal representative that I would receive my funds by Wednesday XX/XX/18. Never received my funds and PayPal put limitations on my account. I called PayPal again and my call was routed straight away to collections dept. The PayPal collections dept attempted to collect a old alleged debt that was included in my bankruptcy. PayPal is collecting illegally and is holding my funds hostage
Product: Checking or savings account

Simple was closing and converting accounts to BBVA. Simple account access fully shut down. BBVA will not allow access to new account.
Product: Debt collection

XX/XX/2020, I recieved a call from XXXX XXXX of a debt, at the beginning of the conversation it was a foreign person, who also asked for my social security number. I hung up. They can not ask for that. XX/XX/XXXX shows up on my credit report, disputed, removed XX/XX/XXXX. Sequium gets this and also reports they have had this since XX/XX/XXXX. I contacted XXXX recieved a statement from both. I never recieved anything. I want this off my report. The collections name also changed a few times. I've had 4 diff companies on my report. I will attach the two letters from XXXX   one stating XXXX had it in XXXX and then removed from my report. The other is letter from XXXX sequim stating they have also had it since XXXX. 

Plus two other companies that claim to have it.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. A Hard Inquiry occurred on my credit report without my permission.

2. I did not authorize anyone employed by XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) to make any inquiry to view my Experian credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

3. In a letter dated XX/XX/XXXX, I requested documentation bearing my signature, authorizing the inquiry. This letter is attached. 

4. I mailed the letter Certified Mail to the address for XXXX XXXX  listed on my credit report. It was returned undeliverable as addressed. It is attached. 

5. Thus, XXXX XXXX is reporting inaccurate data because they are reporting a false address on my Experian credit report. 

6. The inquiry being reported by XXXX XXXX  should be removed immediately.

7. I am also attaching the inquiry pages of my Experian credit profiles dated XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

Initially, I received notification on my consumer report under XXXX XXXX about XXXX, I wrote to them request a detailed debt validation request via certified mail dated XX/XX/23. I received a generic debt collection letter from I XXXX Systems Collections as a follow-up. 

I wrote again to I C System on XX/XX/23 and XX/XX/23 via certified mail and repeatedly received the same generic attempt to collect a debt, disregarding my request for specific documents for verification. That alone is a violation under FCRA. 

I wrote directly to the credit bureaus to request an investigation and it is simply being auto verified by just simply being on my credit report. 

I will provide copies of letters sent asking for a cease & desist until a proper investigation & render of documentation has been provided for this alleged debt. 

This reporting has damaged my credit report & caused a lot of losses for my family & I, by its presence on my profile. 

Please supply requested documents on the letter dated XX/XX/23 to validate this debt. Additionally, while this account is being investigated, I request a cease and desist of this reporting. 

Should this information not be available, I request immediate deletion from my credit report.
Product: Credit card

On XX/XX/XXXX I submitted a payment to XXXX XXXX ( Paypal Credit ) using the full amount of my Paypal balance to make the payment. On XX/XX/XXXX I got notification that the payment had been reversed and then received a 2nd email stating the payment had been applied to my account, and I made a 2nd payment of {$200.00} directly from my bank account to my Paypal Credit Card. XXXX XXXX reversed the payment and applied a late fee of {$40.00} to my account. On XX/XX/XXXX I submitted a complaint to the CFPB. On XX/XX/XXXX, my Paypal account was restricted for " questionable activity '' on my account, but the only activity on my account has been the payment, the reversal, and the 2nd payment on my account. The " additional information '' requested to unlock my account was a copy of my ID by PDF or JPG, but the system would not allow me to upload a JPG, it produces an error that says " must be pdf or jpg. '' The system only accepts PDFs. I have submitted that information and filed another complaint with the CFPB. As of today, XX/XX/XXXX, my account is still restricted. Money can go into my Paypal account but I can not withdraw the {$71.00} remaining on my account nor can I make payments to my Paypal Credit card using that Paypal balance. I have paid the {$2100.00} balance on my Paypal Credit card and requested my account be closed with a text confirmation, I have not received that confirmation.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/2024 Amount : {$1100.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted on in XXXX of this year 2019 by XXXX XXXX XXXX XXXX XXXX saying I owe them {$310.00} and asked me how did I want to pay it. 

I asked them why I owed them {$310.00}. They said because I took out a payday loan from California Check Cashing 5 years ago and never paid back the loan. 

I asked them if they were California Check Cashing? They said no, but now I owe them the money? I did not remember taking out a payday loan and requested a Validation of Debt letter and gave them my mailing address. 

I received a letter that was in the form of a bill with a 50 % OFF offer of {$150.00} and a web site address with payment information. I did not recieve a Validation of Debt Letter as requested. 

Same Company sent me a letter stating I owe them {$3100.00}. I called them and asked them to send a Validation of Debt letter, and to this day, nothing has been delivered validating this debt. I am afraid they will also report this debt as a collection on my credit reports as well. They said I owe Cash Central and XXXX  XXXX XXXX, and they asked me to give them my credit card. I got upset and the guy told me not to be a XXXX about it and just pay what I owe. I hung up on them. They were very mean and rude. They told me to pay them and they would send the money to XXXX XXXX XXXX XXXX XXXX Then all of a sudden I get a collection reported on my credit report by California Check Cashing so it appears, but the address is the same address listed on the XXXX XXXX XXXX XXXX XXXX letter I received and same as on their website. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. 

The stated on the phone that the debt was 5 years old, but on the credit report it states the account was opened in XXXX of 2019, this is fraudulent and unfair debt collection practices. 

False Reporting on my XXXX  Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to AMEX agency. I received an inactive card and do not want to reissue it. I am kindly requesting AMEX agency to remove this account from my credit reports. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Mortgage

We are both XXXX and needs to file the company about the PMI. We purchased the home on XXXX XXXX XXXX in XXXX XXXX, LA. XXXX on XXXX XXXX and we closed on the home on XXXX XXXX and sold that moment. We did cancel the homeowner insurance and property tax that we got some money back from them but the PMI name is XXXX XXXX XXXX  can not get some money back since we paid the DSLS Mortgage, LLC infront with cash {$3400.00} around XX/XX/2018 to avoiding the PMI for 10 years but we only lived there for 18 months bec there were too many issues on the home. The service DSLS Mortgage s lender was convincing us to pay in front with {$3400.00} that moment and we shouldve not pay infront at the first place. They said no money back. We dont undy and one of my atternoy from the closing on my home told me to file with CFPB to see what s going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts 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 accounts which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} 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: Payday loan, title loan, or personal loan

I applied for a loan with a different company. I was paying the loan off when I got laid off my job and I got Covid and was in the hospital. I was trying to get back On my feet and forgot about the loan. I thought they were taking the money from my account. The company sold my account to a different company and in return, sold it to another company and now my account is being sold around to different company
Product: Payday loan, title loan, personal loan, or advance loan

I ordered a XXXX watch online from a dealer in the XXXX. The online website was XXXX. The cost of the watch was {$6300.00} Affirm financed the transaction and I am to make 18 installment payments. The watch was determined to be a counterfeit and seized by US Customs. I notified Affirm of the XXXX and provided them with documentation. The counterfeit watch was determined to have a value of {$100.00}. Affirm will not void the the loan and is demanding payments. Affirm tells me to speak to XXXX, and XXXX tells me to speak to Affirm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out certified over 70 days ago and no one has reached out to me. This is not right and I fell taking advantage of.