23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My payments are due monthly on the XXXX. I had made a payment for XXXX payment on XX/XX/XXXX for the payment due XX/XX/XXXX. Then I made an early payment for XXXX payment, due XX/XX/XXXX, on XX/XX/XXXX which exceeded the minimum payment due ( which was the case for both months ). However, I was assessed a {$30.00} late fee to my VS MasterCard even though I made the payment ewrlier in the month of XXXX. When calling to request for a reversal of the fee, the agent stated that because my payment was paid on XXXX instead of XXXX, it can not be applied towards XXXX bill- these details can not be seen in the online banking on my end nor is it outlined clearly within their disclosures. The fact that the payment was paid AFTER the prior months due date and BEFORE the next months due date should be sufficient to be applied towards that months payment. Not only was this {$30.00} late fee assessed to my account even though the payment was received in a timely basis, it had interest applied to it even though the statement balance was paid in full for the following month. The company stated that they apply interest charges even though the balance is paid in full unless the account shows a history of the XXXX prior months being paid in full as well. This seems to be unusual, uncustomary, and excessive- I have not had any credit card company require a historical record requirement to not incur interest charges. The agent was only able to credit back {$15.00} of the {$30.00} invalid late fee per company policy. They also stated company policy does not allow for interest to be credited back, so the {$23.00} interest charge is still on my account as well. This appears to be predatory given that they can apply charges, accrue interest on the charges, yet set policies to credit back amounts set at limits less than their own charge amounts.
Product: Student loan

Notice to discharge debt against the account named herein. This offset command is made pursuant to remedy found in Public Law 10, " Chap.48, 48 Stat. 112 ''. Refers to H.J.R. 192 which removed all the lawful gold and silver from the State to pay it's " employees '', and for the people the means to receive pay for sweat equity and pay debt. In 1933, President Roosevelt passed H.J.R 192, June 5, 1933- and since the government had taken the gold, and the People had no money, the government would pay the " debts '' for the People, thereby giving them unlimited credit. Whoever has the gold pays the bills. This legislation states that one can not demand from you a certain form of currency, since any form, and all forms of currency are your credit. If you ( they ) do, then you ( they ) are in breach of Public Law, PLB-10. Until the state governments come out of suspension, by the Federal Governments placing sufficient quantities of lawful silver and gold backed money back into general circulation or to fully backed notes in circulation pursuant to Article 1 Section 10, this notice is given, pursuant to the remedy for violations of the Coinage Act of 1792 on April 2nd, 1 Statues at Large 246 Chapter XVI, an Act establishing a Mint, and regulating the coins of the United States, Section 19. Notice to agent/agency is notice to principal, notice to principal is notice to agent/agency. 
NOTICE : it is a violation of the law if you fail to discharge your invoice as commanded. This account is accepted for value and exempt from levy under US Constitution, and International treaty!

There is no gold or silver backed currency and hasn't been since 1933!

Furthermore, your corporation is in violation of the laws, codes, and statues : 1. 15 US code S1681 ( e ) -Compliance procedures ( b ) accuracy of report 2. 15 US code S1692 ( j ) - Furnishing deceptive forms 3. HJR-192/ Public Law 73-10 4. Public Law Chp. 48, 48 Stat. 112 5. Title 15 US code 1692 ( e ) - False or Misleading Representations 6. 15 US code 1692 ( f ) - unfair practices 7. 12 US code 411- Federal Reserve Notes are an obligation of the U.S. & shall be redeemed for lawful money on demand. Issuance to reserve banks ; nature of obligation ; redemption 8. 15 USC 1692 ( k ) - civil liability 9. 15 USC 1692 ( d ) -Harrassment or abuse Under Federal Law you have 30 days to complete your re-investigation and update payments and delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a written dispute of the account per the Fair Credit Reporting Act, The Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be aware that I am exercising all of my rights per these laws and all other applicable laws protecting me!
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that Experian, XXXX and XXXX have all failed to respond to my inquiry dispute letter that I sent certified mail on two occasions. I also disputed online. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, all companies received the certified letters which I have proof of delivery. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not by the consumer myself.
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX * XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX * XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX * XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX * XXXX * XXXX XXXX Thank you, XXXX XXXX
Product: Student loan

Hello, I am enrolled in autopay and my last auto payment on XX/XX/2024 was over the outstanding balance in my loan. I now have a credit {$89.00} in my account. 

On XX/XX/2024 I called to request reimbursement for the over auto payment, but the call representative was unable to complete the request and then mysteriously could no longer hear me in the call and hung up. 

I seek reimbursement for the {$89.00} overpayment and close my account. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXX i was called at my place of employment by XXXX XXXX XXXX which is a debt collector for navient a student loans. it was at that time I was 1st informed and notified that they were attempting to collect on at the defaulted student loan that I had with navient and I needed to enter into a rehabilitation program. I entered into a rehabilitation program on the phone that day only to now learn that XXXX XXXX XXXX had my wages garnished as of XX/XX/XXXX. I was not properly notified that my wages will be garnished neither by navient and not by XXXX XXXX XXXX and not by my employer and not given an opportunity to dispute it for proper resolution. my rights have been violated. I have tried to talk to XXXX XXXX XXXX about this issue they explain to me that there is nothing that they can do about the issue. I explain to them I have already entered into the rehabilitation program. I have also already made a payment in the rehabilitation program but they stated that there is nothing that they could do for the next 5 months. I explain to XXXX XXXX XXXX says that the wage garnishment is causing me a hardship and I can not afford for wage garnishment and to pay my bills and this would be severely financial repercussions in order for me to make sure I repay the debt. I did not receive any prior notice from navient. I did not receive prior notice from XXXX XXXX XXXX that they were going to garnish. I would prefer not to involve my employer.
Product: Mortgage

I am paying the hazard insurance separate from the mortgage and it was not supposed to be included with the mortgage as it show the following statement from XXXX  a progressive company. but they pay {$1000.00} to insurance company from escrow don't even know why, when i ask them why the said it was a missed payment, the customer rep do not understand what am talking about XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX See reverse for other important information. 
Billing Summary ( reflects activity this billing period ) NEW POLICY PREMIUM XXXX {$1000.00} INSTALLMENT FEE XXXX {$3.00} PAYMENTS RECEIVED XXXX - {$260.00} NEW BALANCE XXXX {$790.00} Minimum Amount Due : {$91.00} Bill Schedule ( based on current payment plan ) * Statement Date : XX/XX/year> Due Date Amount Due Due Date Amount Due XXXX {$91.00} XXXX {$91.00} XXXX {$91.00} XXXX {$91.00} XXXX {$91.00} XXXX {$91.00} XXXX {$91.00} XXXX {$91.00} XXXX {$91.00} *Amount Due includes a {$5.00} fee for each installment. You this is what they did XX/XX/year> XX/XX/year> XXXX Hazard Policy Paid _________ {$1000.00} XX/XX/year> XX/XX/year> Principal Payment + {$100.00} XX/XX/year> Payment + {$1400.00} XX/XX/year> XX/XX/year> XXXX Hazard Policy Paid {$64.00} XX/XX/year> XX/XX/year> Interest on Escrow + {$2.00} XX/XX/year> XX/XX/year> Payment + {$1400.00} XX/XX/year> XX/XX/year> Escrow To Mortgagor {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 or other personal consumer reports

Our mortgage lender recently pulled our credit report ( XX/XX/XXXX ) and almost immediately upon pulling our report I started to receive unsolicited calls and texts from other mortgage brokers. The credit reporting agencies released my information to third party companies. The calls were never ending and clogged up my phone to the point I had to block all calls except those on my contact list. On XX/XX/XXXX I started receiving new unsolicited calls at XXXX until XXXX. I received XXXX unsolicited calls throughout that one day! Ive included screenshots of all the calls I received today ( XX/XX/XXXX ). Why are the credit reporting companies allowed to sell my information without my permission? Its wastes my time which is lost productive hours I could be using to make more income.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following account are not mine, ( XXXX XXXX AND KIA MOTORS ) these are fraud accounts opened under my name, i have attached my police report due to this effect, i have also disputed these inaccuracies with XXXX many times, but they are not helpful at all, please help me with this inaccuracies to be removed. please find attached the same paper work that i had sent to XXXX XXXX   as well. 
thank you for your help and cooperation
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX ).
Product: Credit reporting or other personal consumer reports

I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I believe someone has stolen my identity and opened a Checking and Savings account in my name using SunTrust bank. I moved to XXXX, XXXX on XX/XX/2020 and noticed as soon as I arrived that someone had access to my personal checking account through XXXX XXXX XXXX and was trying to get money out of a SunTrust ATM in XXXX using my account information. They successfully made two transactions but were denied for the other transactions they tried to process. Once my bank account was placed on hold, I went to the bank and filed for fraud for those ATM transactions, which was then resolved by XXXX XXXX XXXX Fraud department and SunTrust bank. I hadn't heard anything since the resolution and have been checking my accounts frequently for anymore suspicious activity. 

Since my move, I have changed my mailing address and I had my mail sent from my parent 's house in XXXX to my new apartment in XXXX on XX/XX/2020 at which time I had a couple of pieces of mail from SunTrust bank regarding " my account '' which included a debit card, pin information, and overdrawn balance forms and fees. The checking and savings account at SunTrust was originally opened on XX/XX/2020 and was closed on XX/XX/2020 with a {$170.00} balance due. 

I have since filed a police report through XXXX XXXX Police Department in the Fraud division, filed a fraud report through SunTrust bank, and am working on getting my social security account and number figured out because there could be more of my identity other than my financial information that has been compromised.
Product: Credit reporting or other personal consumer reports

first of all, this is a credit-building scam. I never received any money from this company. They took {$25.00} dollars from my linked-bank account monthly. They never reported the good payments. I had to change checking accounts and my new one would not link. I tried to call and that just tells you to send an email. I sent emails over & over asking for an alternate way to pay & just was told to link my account. this went on for months, then they closed the account & put that i owe them {$520.00} for money i never received. How is this legal. I disputed on all three bureaus & requested all information that i am legally able to request. I disputed via certified mail to Brigit and all 3 bureaus & nothing has been done.
Product: Debt collection

Midland Credit Management , IncXXXX is attempting to collect multiple debts with my name attached but Midland Credit Management , Inc. is not licensed in the state of Florida to act as a debt collection agency. Not to mention they call my mobile and office phone continuously even after I have stated, verbally, " Please cease and desist all calls and contact with me, immediately ''. I even attended a voluntary mediation on XX/XX/2022 and spoke to the representation about this collection account. I am having it removed from my three credit bureau currently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX Number : XXXX including Accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 


XXXX XXXX Number : XXXX IN including Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 card or prepaid card

I made contact with Synchrony Bank in Early XXXX about a recent credit limit REDUCTION on my PayPal Credit Mastercard as well as my PayPal Credit Account. This comes after the Coronavirus COVID-19 outbreak occurred. I have multiple other credit accounts with other banks ( 2 with XXXX, 2 with XXXX XXXX XXXX, 1 XXXX XXXX, 2 with XXXX   XXXX, etc. ), and NONE of them have lowered my credit limits during the Coronavirus COVID-19 outbreak. 

I've actually made some headway and paid off some cards earning some extra money. So, to my surprise this was happening after reports had come out in the media that some banks, including Synchrony are lowering people 's credit limits with the shutdown continuing. I am still full-time employed as I am deemed essential personnel working in the telecommunications industry. 

So when I received notification from running my credit report that this had happened, I reached out to Synchrony Bank about this. Their response was " we run every customer 's credit every month and make decisions about credit limits ''. I said, nothing has changed in mine, I pull mine every month myself to keep my eyes on it after having an identity theft situation a few years ago with the IRS. 

I told them I wanted to file a challenge/complaint to it. They took my information and said they'd get back to me, but the associate on the phone with Synchrony ( after being hung up on once for not accepting what they were telling me when I was asking for a supervisor ), said " We can do whatever we want ''. 

I received a letter saying that their decision stands. My credit limit was cut as follows : PayPal Mastercard : {$1000.00} ( card  was free and clear ) down to {$100.00}, and {$950.00} PayPal Credit down to {$590.00} ( which was close to what I had on it, making the card maxed out ). 

This negatively impacted my credit score showing that I had the reduction in addition to the cards about maxed out with these limits significantly reduced. 

I have never had a credit reduction in my life. This is the first. And this was not done until we were 1.5 months into the Coroavirus COVID-19 quarantines. Even after I explained the situation and my situation and told Synchrony Bank that they are using the Coronavirus COVID-19 outbreak as an excuse to do this since this has never been done before and I have had these lines of credit for multiple years, the lines were reduced. 

They need to restore the credit I had before and not abuse their power to consumers during a pandemic situation to save themselves.
Product: Debt collection

This HELOC loan which was the obligation of my ex-husband XXXX XXXX XXXX XXXX was discharged in his Bankruptcy dated XX/XX/XXXX. The original servicer was XXXX XXXX XXXX  who then sold it to XXXX, assignment to XXXX on XX/XX/XXXX and then from XXXX to XXXX XXXX XXXX XXXX and then finally SLS. 
The HELOC was taken out by ex-husband XXXX XXXX XXXX XXXX only on XX/XX/XXXX, date of marital separation was XX/XX/XXXX, XXXX petitioned for Bankruptcy XX/XX/XXXX, Dissolution of marriage was finalized XX/XX/XXXX. Property was awarded to XXXX XXXX and XXXX was ordered to cooperate with a Loan Modification and to vacate the property by XX/XX/XXXX. I have been back and living in my residence since XX/XX/XXXX and current on my mortgage after XXXX Quit Claimed the home back to me. I was unaware of the lien on the property until SLS sent correspondence dated XX/XX/XXXX and XX/XX/XXXX with a pay off balance in the amount of {$220.00} XXXX and change. I am asking for the release of attached lien as I am not responsible for the HELOC and it was discharged in Bankruptcy in XXXX. ( BANKRUPTCY NO. XXXX )
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX  XXXX I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.