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

My account with 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 XXXX 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 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, credit repair services, or other personal consumer reports

I have a loan with XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and ( Original Creditor : XXXX XXXX XXXX XXXX  ) with no successful resolution. There was definitely an error on their part.
Product: Credit card or prepaid card

I applied a Capital One credit card around XX/XX/XXXX and got approval instantly. Once I set up the app I noticed the {$95.00} annual fee was posted on the 2nd day. Then I realized that the card was suspended and was told that I need to submit additional documents for manual review. I did and after numerous following up I found out in XXXX weeks the account was already closed by a mail dated XX/XX/28. I tried to dispute the decision but they insisted the decision was irreversible. I accepted it although I have every reason to believe it was an unfair treatment and can support with solid document evidence, as I realized how frustrating it was to deal with a company with no customer service at all. 

The problem is the {$95.00} fee was still there, for an account stayed active for only ONE DAY! I contacted them and was told it would be credit back on next statement date. However, instead of reversing/crediting back the annual fee, it started accumulating interest. That totally leaves me speechless. I called again last night and after being transferred many times, a lady claimed to be the highest rank for phone communication section told me it was not reversible and they could do nothing about it. You may choose your customer, but it is not making any sense to charge an annual fee for an new account only existed for one day and closed by the creditor using unsupported reason!
Product: Debt collection

I received a letter from GLA Collection Company dated XX/XX/2019 regarding a medical debt for {$42.00} that I did not owe. On XX/XX/2019 I contacted my doctor 's billing office and they confirmed I did not have an outstanding balance and that this was not a valid debt. They also stated that I was the 3rd person to call on this day that also received similar letters and that none of those were valid either and that GLA Collection Company made a mistake and sent these letters in error. I then mailed GLA a letter disputing the invalid debt along with this information and requested they cease communication with me ( Mailed on XX/XX/2019 & received by GLA on XX/XX/2019 ). 
2 years later, I receive an automated dialer call with a pre-recorded message on my cell phone from GLA. After several minutes I am connected to an agent asking me to pay on this same invalid debt. 
GLA Collection Company needs to correct their records on this invalid debt that they have refused to validate with my medical provider. They also need to stop calling me with an automated dialer with recorded messages as I have never given GLA permission to call my cell phone.
Product: Debt collection

I do not know what they want. I googled the number that calls me multiple times a day and never says a word when I answer they always just hang up and the voice mail has a beeping noise and thats all. 

XXXX XXXX XXXX XXXX is what XXXX says
Product: Debt collection

It has recently come to my attention that the IRS, & the SSA, and the federal courts have willfully been making Injurious " presumptions '' which prejudice my Constitutional rights by trying to associate me with the " XXXX XXXX '', which is the all caps version of my XXXX name which is in fact a trust previnusly associated with a " public office '' in the United States government by virtue of the Social Security Number attached to it. Further information is to help clear up any presumptions and set the record straight. 
XXXX. False swearing : ( a ) False swearing in official matters. A person who makes a false statement under oath or equivalent affirmation, or swears or affirms the truth of such a statement previously made, when he does not believe the statement to be true is guilty of a misdemeanor of the second degree if : ( 1 ) the falsification occurs in an official proceeding; or ( 2 ) the falsification is intended to mislead a public servant in performing his official function. I XXXX ; private man ; now make it known to all interested parties : Whereas This Constitution, and the Laws of the United States which shall be made in Pursuance thereof ; and all Treaties made, or which shall be made, under the Authority of the United States, shall be the supreme Law of the Land ; and the Judges in every State shall be bound thereby, any Thing in the Constitution or Laws of any state to the Contrary notwithstanding. [ Article VI section 2 ] Notice of Fair Debt Collections Practices Act ( FDCPA ; 15 USC 1692 et seq ) Violation ( s ) : 15 U.S. Code 1692c - Communication in connection with debt collection ... without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction. 15 U.S. Code 1692e False representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof... The false representation or implication that any individual is an attorney or that any communication is from an attorney. 15 U.S. Code 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. 15 U.S. Code 1692g Failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 15 U.S. Code 1692i Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. Other violations : 12 U.S. Code 411- Issuance to reserve banks ; nature of obligation ; redemption 18 U.S. Code 8 - Obligation or other security of the United States defined 18 U.S. Code 914 - False personation ; Creditors of the United States 18 U.S. Code 1341 - Frauds and swindles
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and am requesting the immediate blocking and deletion of certain accounts and inquiries from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were the result of unauthorized activity and should not appear on my credit file. 
The following account and inquiry should be blocked and deleted : 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: Money transfer, virtual currency, or money service

I am filing a complaint against ash app due to inadequate customer services and unfair practices, which violates the consumer financial protection act. Specifically cash app failed to take timely and effective measures to add 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 and regulations E. These actions have caused significant inconvenience and financial loss, and I seek the appropriate redress for these violations.
Product: Checking or savings account

On Monday XX/XX/2021 I was contacted by a buyer on XXXX who was interested in buying an item from me. The buyer claimed to have sent me {$200.00} and had a fake email sent to me claiming to be XXXX. The buyer had me call the number on the bottom of the email ( which has now come out as a scammer ) and made me send them {$800.00} to make my account into a business account and claiming I would be reimbursed the full {$1000.00}. I gave the person claiming to be XXXX customer service all my information such as bank account number and social security number. Over the next XXXX hours after this phone call, scammer got into my bank account made a fraud check from my jobs company using my name and depositing a {$5900.00} check into my bank account as well as going in on there own and taking it back out. I also never received the {$800.00} back. As soon as I realized what I was dealing with I Called JP Morgan Chase who I bank with to let them know the situation that was going on. JP Morgan Chase failed to look into any activity that was going on in my bank account. They were more concerned with getting me to close out my old account and open a new one. When the fraud started going on no one asked me about other accounts I had with them and also never asked if I wanted to restrict my account to stop any further fraud from happening. I mentioned to Chase several times that the money was taken from me fraudulently and there was response was that there was nothing they could do about it. It comes out at a later date that the {$800.00} of mine that was hard earned money was put into another account with JP Morgan and chase but that they still would not be looking into it any further. I have been a loyal customer with this bank for XXXX years. I have never had problems with petty problems but when it comes to serious issues it seems they did not want to do the work. A police report had to be made in this matter along with all the other stress this situation has caused me.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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

I went into forbearance around COVID and was granted forbearance. I started trying to set a resolution a month in advance ( beginning of XX/XX/XXXX) of the forbearance ending but they said I had to wait, and then seemed to imply that I couldn't start paying the mortgage again even though I said I could. They were non-responsive to the requests to come to a resolution, and when they finally talked with me they made me feel like they may try to start foreclosure for no reason so I paid the entire {$20000.00} at once to cover all payments during the forbearance period. They then reported the whole forbearance period as a late payment and my credit has dropped 100 points because of it. In 20 years I've never had a late payment.
Product: Checking or savings account

Chase bank had charged me excessive fees for no reason. I was charged  XXXX  dollars in fees for  XXXX  transactions that never hit my account. I never had knowledge of it until i saw a  XXXX  dollar return item fee on my account. Other than that there was no pending transaction for the amount they returned. They did not give me a chance to pay it or dispute it for accruacy. Chase bank also charged me for a charge that was paid the same day it hit my account before the cut off time of  XXXX  EST. I want the fees reversed!
Product: Money transfer, virtual currency, or money service

I payed for a service that I did not receive. {$70.00} XX/XX/XXXX to someone named XXXX with the email XXXX thru my Bank of America app that uses XXXX. He told me the next day ( XX/XX/XXXX ) that he did not receive it and if I wanted I could resend him the money so he could start and that when it comes in he would send me my money back. Therefor I sent him {$70.00} again XX/XX/XXXX after which I did not get the service and was no longer able to contact him. I then went thru Bank of America to get the money back in which I was informed that they could not get the money back and that there was no fraud protection for me. They did infomed me that they would try to get the money back by contacting the other persons bank, XXXX. There was no warning or disclaimer that this could happen as such I believed that my bank ( Bank of America ) and XXXX ( since my bank was backing them ) would provide basic protections just like XXXX
Product: Credit reporting or other personal consumer reports

The account for XXXX XXXX XXXX is committing a blatant violation against me and needs to be removed ASAP immediately. I have attached screen shots proving EXPERIAN is lying about verifying the balance for this alleged debt. The first screen shot shows EXPERIAN reporting a balance of {$3400.00} on XX/XX/2023 and a balance of {$3400.00} on XX/XX/2023. Delete this account for violation because you reported one balance on XX/XX/2023 and a different balance on XX/XX/2023. The balance can not change on a closed account proving no investigation was done and EXPERIAN and XXXX XXXX XXXX  are lying and will be liable for willful non compliance.
Product: Payday loan, title loan, or personal loan

XX/XX/2018, XXXX XXXX  Central Time I fax my Verification of income.. 
XXXX reply back ; Verification of Income Since we did not receive it, XXXX was regrettably unable to give further consideration to your credit request, What XXXX wanted was my ; User name PIN number For my Bank Account so they can personally go into my bank history,
Product: Student loan

I had XXXX student loans with MPOWER Financing, and serviced by XXXX XXXX, from XX/XX/XXXX until XX/XX/XXXX, when I refinanced them. My new lender paid off my previous balance, but the payment was more than {$1000.00} higher than my balance. Moreover, having previously set up auto payment, I paid my regular monthly payment ( ~ {$530.00} ), one day after the refinancing had been completed. 
Subsequently, on XX/XX/XXXX, XXXX XXXX issued refunds for me and the new lender, to be paid within XXXX (! ) days. A couple of days later I exchanged a few emails with customer support, asking for a finance charge analysis because the refund issued to the new lender should have been somewhat higher, according to my calculations. 
Since then, I've called customer support quite a few times and they always seem to need more time. Every time I call them they ask for another XXXX business days. The last time they replied in an email was on XX/XX/XXXX, when they asked for another XXXX business days. Today is XX/XX/XXXX and no replies or payments have been received. Neither towards the new lender nor towards be, even though there's nothing to calculate before returning an extra payment that happened after the closing of the account.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax and XXXX credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX BANK XXXX Account XXXX has XXXX XXXX XXXX. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX, XXXX XXXX, Experian, and XXXX is reporting 3 late payments on my credit report therefor prohibiting me from obtaining any new credit accounts with any other financial institution. In addition to that because of this my credit score has dramatically decreased.
Product: Vehicle loan or lease

This car is paid off in full from GM Financial. I Don't owe them anymore money, it's closed on my credit report and I would like this removed from my credit report please.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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

There is an inquiry on my Equifax report that XXXX XXXX placed, when they claimed they could not access my report. So I contacted XXXX and they sent me a letter stating that they would remove the inquiry. 

I have sent this to Equifax several times by electronic mail and us mail. I have called them 10 times on this matter and have been given 10 reference numbers, enclosed : REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX Every time I check my report the inquiry is still there. The reporting company claims they have to dispute it. I asked why it takes longer than 30 days when a dispute should not take longer than 30 days to resolve or the item in question be deleted, as per the FCRA? They will not answer that. 

I have asked XXXX several times why is the inquiry still there and they can not answer that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file 2 comp laints within    2017  with  Ad Astra Recovery Service within  the last year to delete the inaccuracy on my credit reports. The account is not mine. I never had a account with them or the company they are representing. The have not deleted the account and its causing a negative impact on my credit report and  credit score. I   also file a complaints via the Better Business Bureau on   XXXX  17   and Ad  Astra Recovery Service r efuse to remove the account and also on  XX/XX/2017   . The amount that is showing on my credit report : {$600.00}. I do not not have a signed contract with  Ad Astra Recovery . I asked them to provide a contract between this collection and I and they have yet to provide this info. Mainly because I do no t have one
Product: Debt collection

Continuous phone calls and now debt going up. Keep calling off different numbers at least 2-3x / day
Product: Checking or savings account

I was taken in by an employment scam, wherein they sent me checks to set up a home office but in reality were draining my account. When they had taken everything, instead of working with me at all, as a customer of over 20 years Citibank immediately closed my account and said I owe them over {$500.00}. Filed a police report about it, but obviously that's just to have it on the record, as I doubt my local precinct is going after cyber criminals.