23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I checked my XXXX XXXX ( XX/XX/2024 ) to see yet again false fraud charges pinged twice. Original company of XXXX XXXX with the collections company Transworld Systems XXXX. $ First amount of XXXX and second of {$170.00}. 
Called XXXX XXXX and they were not able to give any of the false account information ie name or address etc. 
Calling Transworld during their business hours tomorrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship yo it. Please remove the following information from my credit report immediately : XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA, XXXX
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX XXXX XXXX  and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 XX/XX/year> XX/XX/year> 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. 

This company never sent The periodic statement along with the disclosures from section XXXX ( 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 XXXX 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

I tried to dispute a {$10000.00} for services that weren't rendered in XXXX and it still hasn't been resolved. I've sent letters from attorneys, receipts, buy sale agreement, second opinion letter, email where owner of company offered to refund my money and where my attorney and I accepted. I have provided capital one with everything they asked for and spent money on attorney fees and still on going
Product: Credit reporting, credit repair services, or other personal consumer reports

The first XXXX  was a negative report.I disputed was untrue report I never had a XXXX $ account never paid on account. it was disputed. settled to delete report .I 've had four more disputes when completed .it was agreed to delete false reports ..the negative reports reappeared. next time I checked .every report that was supposed to be completely. deleted. Also before, I had a opened account with XXXX XXXX.My beacon was XXXX, XXXX, & XXXX. I had four loans in my credit reports. by EXPERIAN employed person I'was told to dispute the fact they not on credit reports anymore. they were submitted by loan company credit my signature loans thou had been taken out .because of false report sent by XXXX XXXX XXXX 
I was not lieing at all. Reduced credit the toXXXX  the employed person by these two companys are not educated they don't understand how to add interest. late XXXX is 1day late adds the next months payment. 
the amount of interest is no extra money added to payments scheduled. i payed the false late amount to prove what they are doing to me i paidXXXX $ XXXX XXXX XXXX payment .that amount was supposed to be subtracted from the the remainder payment instead false amount was added three extra interest payments that don't subtract from remainder. If they handled late interest to late payment.it only being interest for the payments being late. The company would not send a credit report to correct the information with report that account had been ( paid and never late ).
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 items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

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

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 XXXXXX/XX/2022 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

Spoke with a agent with student loan hrlp center about consolidating my loans to get them paid. In doing so i was not aware of them being a third party lender. So i asked them to cancel it and they would not. While going back and fourth with them i filled out an application with XXXX and it was a way better program. My first payment will be on XXXX. But this third party lender has taking payment in which i did not authorize.
Product: Mortgage

First off I would like to start with the fact I am a XXXX Veteran working in XXXX as a XXXX  XXXX during these trying times. This all started about 2 1/2 years ago. I filed for a loan modification about 4 times and I was denied all 4 times. I then hired a law firm to help me get this problem handled. It took the lawyer 14-18 months to get it approved XXXX XXXX was dragging their feet so that my income would change just a small amount so they can make us start over. Now that it was approved I was in my 3 month trial period, my last month XX/XX/XXXX I was XXXX short on my payment. This was a complete typo due to me working more than 14 days in a row 12-20 hours a day in 2 hospitals here in XXXX California During the Covid surge. Not a single phone call was made not a single email or even a letter mailed to me. The first time I contacted them when I found out I made a mistake to correct it I was told someone called an XXXX number and tried to leave a message. This number was for my lawyer, and I guess there was a form done so the mortgage company was not allowed to contact me at all. If there was a no contact cease and assist filed why was there a message left on my lawyers phone yet I am asked every time if that is my work phone. I paid the XXXX I was short as soon as they allowed me to that alone happened XX/XX/XXXX. I talked to a manager XXXX trying to get this issue resolved and I was told there was no reason to worry he would get in touch with the person handling the modification and get it fixed then call me himself the next day. No call was ever made! I called everyday since XXXX even on the weekends trying to fix this problem all while I was at work trying to keep XXXX XXXX XXXX. I then talked to a Team Lead by the name of XXXX, who once again told me there is no reason to worry and she sent an email to the person working on my case and she would handle the problem. She took my XXXX payment at that time. This was the first time someone allowed me to make a payment. I called today XX/XX/XXXX to figure out what is going on because once again no return call was made to me I was told I have to completely restart the modification process again and there is nothing that they WILL do to help me. I have had nothing but problems with this company and although I will admit it is not their fault I had problems paying my bill, it is their fault they are refusing to help me in any way shape or form. XXXX dollars mightXXXX just cost me my home. This company has targeted me since the first time I made a late payment, This company is against the veterans they promise to serve. In the end I just want to make my house payment. I don't want to live in fear at all for my home anymore! this company is doing everything they can to get my home from me.
Product: Credit card

I used Care Credit several years ago to pay for dental work. Since then, I 've had to call them several times to report " erroneous '' fees applied to my account. After paying off my account this past XXXX, I asked them to remove me entirely from their system. However, most recently I received a Care Credit XXXX that I never requested. When I called to complain, they said I had received a mailing saying that I had been prequalified and that I needed to " opt out '' if I did n't want the card. The customer service person ( XXXX, employee number XXXX ) told me that the card was issued because I did n't opt out even though I was given " plenty of time to do so. '' Given that I receive " pre qualified '' notices all the time, this seems incredibly deceptive. I am willing to take whatever steps or provide whatever information I can to stop this company ( the representative said Synchrony bank issued the card ) from scamming other customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard credit inquiry not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We should be included in the Wells Fargo lawsuit settlement. We has loan modification and after the modification our loans were sold. I has a car loan with Wells fargo and the car was paid in full early. No refund for early payoff. I had a checking account and charge many overdraft fees.
Product: Mortgage

XX/XX/2010 Wells Fargo approached my wife with new mortgage opportunity " because of the new interest rate environment '' that Wells Fargo would lower our monthly payments without requiring closing cost or hidden fees. This process could be done without a formal closing only at resident close. They failed to disclosed that the terms would be changed. An extreme change that should have been highlighted.This meant that the 13 years paid on mortgage would terminate and new 30 years mortgage would succeed. Certainly I signed the papers but the disclosure of terms were muted in writing & verbal exclamation. My realization did not present itself until after I read of the deceptive practices of Wells Fargo in it's promotional aspects to resign customers to miss leading services.Obviously, a longer term mortgage in itself would create better payments even beyond lowering of market interest rate. I believe this process was deceptive and was slanted toward benefiting Wells Fargo verus a equal benefit me the consumer. The very public knowledge of lowering of interest during this time period validated the possible incentive to me the consumer, but the end results of a longer mortgage that rewarded Wells Fargo was the goal.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I transferred cryptocurrency from a third party wallet ( XXXX ) to my account on Coinbase. Specifically, I transferred XXXX of XXXX XXXX tokens, valued at approximately {$2800.00} today. I transferred these funds to a new type of wallet on Coinbase called a XXXX Wallet. the transaction was listed as a success on the blockchain, however the funds did not show up in my Coinbase wallet. After 24 hours I contacted Coinbase support. Coinbase confirmed that the transaction had been successful, however after over a week of communications have told me that they are unable to make my funds available as they were transferred to a non-supported network. How is it possible that they have successfully received the tokens, yet can not make them available to their rightful owner? In essence, Coinbase has taken custody of my tokens but is unwilling or unable ( or both ) to make them available to me. This amounts to a failure of their fiduciary responsibility as a custodian ( at best ) and outright theft at worst. 

For reference, one of the customer support case numbers from my interaction with Coinbase is # XXXX. They bounced me around to many customer support agents and I had to restart my concern at least 6 times, which is another frustrating point but not the main issue. Their customer service team is incapable of deviating from their script, its as if you are talking to a robot.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/XXXX to remove the fraudulent information : XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$110.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXXXXXX Balance Owed : {$200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$950.00} ; XXXX XXXX XXXX Balance Owed : {$180.00} ; XXXX XXXX  XXXX Balance Owed : {$220.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2100.00} ; XXXX XXXXXXXX Balance Owed : {$950.00} and inquiries XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX , that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included these fraudulent items in my previous Complaint # 's XXXX, XXXX, and XXXX and I am including them again on my Complaint. I am a victim of Identity theft and I have reported the theft of my identity to the FTC and attached copies of the FTC 's Identity Theft Report. Again, these items were opened without my knowledge or consent. Pursuant of the FCRA section 605b, the Credit Bureaus are required to delete these items as soon as possible.
Product: Debt collection

Vance and Huffman LLC at XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported to my TransUnion credit report on XXXX, XXXX, 2020. Ive never seen this company nor have I done any business with them. I believe this is fraud. Please delete this from my TransUnion credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Consumer Loan

XX/XX/XXXX I purchased a vehicle. My first purchased vehicle I paid off after 4 years with a 14.9 % interest rate. The lender of my second purchase was Americredit XXXX Later, bought by GM financial. After paying {$20000.00} of the {$25000.00} loan with a 19.9 % interest rate and a {$340.00} monthly payment. My vehicle was repossessed. For 2 years I paid on time, initially I was told after paying on time for at least 2 years I could refinance. That never happened. I became unemployed from XXXX. I informed Americredit/ GM financial of my employment status and continued to pay what I could, when I could in a timely manner. I would pay what I owed along with any late fees incurred. XX/XX/XXXX I worked a temporary job for the winter. I was able to catch up on my payments. I even made early payments toward my principle amount. The lender regularly accepted post-dated payments over the phone. On several occasions the lender would refuse to take partial payments, including the website. My vehicle was repossessed despite my attempts to remain in good standings with the lender. The lender has now sold the debt to another company, further damaging my credit. I have recently learned about XXXX and how minorities were targeted for higher loans. Online I have discovered many others who have went thru the same process as I have.
Product: Credit reporting or other personal consumer reports

Please see attached. 

The following still isn't represented correctly after over 6 months, as seen in the screenshots ( transaction history and dates even after you " validation/investigation aren't correct ). 
This is a violation of 16usc 1681 c-2 and is considered WILLFUL NONCOMPLIANCE or Fraudulent Misrepresentation. All details are attached also, my Affidavit of Facts have been sent notarized via certified mail as of XX/XX/year> XXXX
Product: Debt collection

I was charged for XXXX  days of rent after my lease was terminated ( XX/XX/2023 ). This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information.
Product: Credit reporting or other personal consumer reports

Currently, on phone w Equifax as I file dispute.. name XXXX .. requesting on XX/XX/2024 at XXXX requesting to remove XXXX account as it was paid off in Car auctions and remove all hard and soft inquiries... .electronally remove due fraud unauthorized consent and inappropriate inaccuracy credit reporting over the last XXXX! ( SHE STATES THEIR ARE ONLY PROMOTIONAL PURPOSE ) HER SOLUTION WAS TO PLACE A PROMOTIONAL BLOCK ON MY CREDIT ACCOUNT.. THAT NONE OF THE INQUIRIES ARE AFFECTING MY ACCOINT.. 

( SHE WILL REFER TO IT Dept. ) Debt shows {$52000.00} False {$20000.00} XXXX ( only ) Remove address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX, not mine address ( she will refer to IT dept ). 

She is sending me a credit report and credit score within XXXX my confirmation # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent me a letter stating that I used a credit repairing service to fix my credit. I did not use a credit repairing service to reach out. I XXXX was the one inquiring to remove the XXXX to fix the issue and not only that neither of the credit bureau left a note one my credit report that you are investigating the account which is a violation and you have 15days to reinvestigation and all 3 took 1-2 months to respond. I sent out a complaint and I gave you 30-45 days the first time the second time 30 days and my issues still hasn't been resolved. I have provided serveral proofs where all 3 were in violation and did not thoroughly complete the review. 

I am requesting to remove the XXXX due to serveral inaccuracies throughout the time of making the complaint to fix the issue. 

As stated in the previous complaints I have the right to privacy, a Consumer reporting agency can not furnish my account without my written consent also account to the IRS a chargoff is considered an income and income shouldn't be reported per the Fair Crefit Reporting Act. 

My federal protected consumer rights have been violated time and time again by the 3 credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$74000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$5200.00} XXXX XXXX  XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$5100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$70000.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

Company harassment for said debt that is not mine there was a insurance claim by original creditor
Product: Student loan

My XXXX XXXX loan servicer is EdFinancial. The company 's online system will not allow me to make payments on specific loans. The system supposedly has the ability for me to make online payments toward specific loans, but an error in their software prevents payments from being processed. I have written XXXX email complaints to the company and XXXX to the Department of Education seeking resolution to the issue through both entity 's designated contact/complaint processes. All of my emails have been completely ignored by both EdFinancial and the Department of Education. Meanwhile, interest on my loans accrues daily. I would like to make a payment. My loan " servicer '' is making that impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and TransUnion are showing information that doesn't belong to me. I have tried to have the items removed and have sent several letters to them to have the items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two hard inquires on my Experian credit profile, both for XXXX XXXX. One on XX/XX/2019 and another on XX/XX/2019 - the inquiry on XX/XX/2019 is a duplicate inquiry.