23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This, supposedly, is a medical collection that was contracted out to a collection agency. I have no idea of who this company is or what debt they are attempting to collect on. This is a violation of my HIPAA Rights. Remove completely from my credit file at once.
Product: Checking or savings account

I was paid {$1000.00} for the settlement in the class action lawsuit, XXXX vs. XXXX. I chose to get my payment via PayPal, and set up an account to receive it. I was using the XXXX browser, which caused PayPal to be unable to determine my location. This apparently violates some sort of policy and they've banned me after receiving my {$1000.00} which they won't release. I'm currently homeless, and {$1000.00} would change my life. Yet PayPal continues to hold my money. I called customer service and they said this was in case of any charge-backs which won't happen due to the nature of the payment. I asked to speak to a supervisor and waited on hold for XXXX mins before getting hung up on.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account 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. 


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 card

On or around XX/XX/2023, I paid my account in full to pay off the account, XXXX balance. Comenity Bank reciprocated by dropping my credit line from {$2200.00} to {$200.00}, so I called into customer service, talked with XXXX and closed the account. XXXX confirmed the closing of the account with an email. Comenity Bank now states that I am behind on my bill due to complicated way of charging interest ( this is the exact wording from the customer rep who would not identify herself ) and I owe them money. I refuse to pay this money until they show me there was any reason to charge me interest on a XXXX balance account.
Product: Checking or savings account

I presently have a Wells Fargo Free Checking account ( ending in XXXX ). The stipulation when I opened this account is that it is free checking as long as I have direct deposit from my employer. I have maintained this requirement to date. On XX/XX/XXXX and XX/XX/XXXX I was charged a NEW {$12.00} Monthly Service Fee. I reached out to Wells Fargo and explained this fee is in error as I have FREE CHECKING per the arrangement in writing upon opening my account. On XX/XX/XXXX, Wells Fargo opened CASE ID number XXXX. On XX/XX/XXXX, Wells Fargo refunded {$3.00} for XX/XX/XXXX and another {$3.00} for XX/XX/XXXX. They did not refund the entire fee which was unjustly charged. At this time, I am owed {$18.00} from Wells Fargo for unsubstantiated Monthly Service fees.
Product: Credit reporting or other personal consumer reports

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 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 have looked at the inquires for XXXX and noticed some discrepancies. Starting with one named XXXX XXXX inquiring about finance other than personal on XX/XX/2022. 
Also have a couple miscellaneous inquires from Factual data on XX/XX/2022 that i have no clue what for. And another from XXXX XXXX  that falsely ran my credit. I have also called them and they state there is nothing they can do.
Product: Credit reporting

Transunion reinstated a previously deleted account that was not mine. The account was previously deleted by the collection agency. Transunion refuses to do a serious investigation on this account and this is ruining my credit preventing me from buying a new car. I am attaching note from collection agency saying they were going to delete account. The account was for XXXX and the original creditor was XXXX XXXX XXXX for the amount of {$66.00}. If they look in their files they will find that exact account reported last year and deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquiries dating back to XX/XX/2021 from companies that are reporting to all 3 Credit Bureaus that I do not recognize, nor do I have any open accounts with. 


XXXX - XX/XX/2021 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Incorrect Information from all three Credit Reports Dear Credit Bureau Representatives, I am writing to formally request the removal of certain incorrect information from my credit reports with all three major credit bureaus : Equifax, XXXX, and XXXX. I have reviewed my reports and identified several inaccuracies, which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act.

**Specific Requests : ** 1. **Closed Charges and Charge-Offs : ** I request the removal of all closed charges and the following charge-offs from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have been settled and should no longer be reflected in a negative manner on my reports.

2. **Incorrect Addresses : ** Please remove all non-mailable addresses currently listed under my profile. The correct and only address that should appear is XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX. **Phone Number : ** The only phone number that should be associated with my reports is XXXX. Please remove any other numbers that are currently listed. 

**Legal Basis : ** Under the Fair Credit Reporting Act ( 15 U.S.C . 1681 ), I have the right to dispute inaccurate information and to request its removal. Specifically : - **Section 611 ( 15 U.S.C. 1681i ) : ** This section outlines the procedures for disputing inaccuracies and mandates that credit bureaus must investigate and correct any errors.

- **Section 623 ( 15 U.S.C. 1681s-2 ) : ** This section addresses the responsibilities of information furnishers to report accurate information.

Additionally, under the Privacy Act ( 5 U.S.C. 552a ), I have the right to request information about how my personal data is maintained and to ensure its accuracy.

**Attachments : ** I have all my information in above complaint except my XXXX # XXXX I expect a written response to this request within 30 days, as stipulated by the FCRA. Please send all correspondence to the address listed above or contact me at the phone number provided. 

Thank you for your prompt attention to this matter. I look forward to seeing these corrections reflected in my credit reports. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Transworld Systems, Incorporated used a robocall to call me on my cell phone to collect a debt in violation of the TCPA. They called multiple times, including leaving a voicemail by robocall from the number XXXX on XXXX XXXX, 2015 at XXXX XXXX. I have a saved copy of the voicemail.
Product: Debt collection

I received a voicemail stating " This is a message from Synerprise Consulting Services. This is an attempt to collect a debt. Please call us at XXXX or visit us online at XXXX. Again that is XXXX or visit us online as XXXX. Thank you This was received today XX/XX/17 They NEVER once said who the call was for. Never heard of them and never received prior communication from them.
Product: Mortgage

The problem I have is with the closing of my loan. Bank of America ended up missing my closing date of my loan twice. It was originally set for Wednesday but missed. Then I was told it would be Friday but it was also missed. We finally closed on a Monday but I was not at all happy with the process. BOA had my mortgage application for 45 days. I feel they were late because of multiple changes in the assigned loan processor ( we had XXXX! ) and that they changed my mortgage loan officer from the original one I locked my loan with to another one over 3 hours from us! 
Originally, I planned on having the mortgage only in my name since we knew my credit score was better than my wife 's score. We were doing a conventional loan but still needed to do PMI because we could not manage the XXXX % down payment. If the loan officer had been willing to communicate with me how the debt/income ratios were calculated for an ARM as opposed to the fixed rate I would have gone with the fixed rate instead of the ARM. We ended up paying way too much on PMI because of this lack of communication and because we had already missed our closing date twice before I found out about this requirement I could n't change to the fixed rate. Also, because they changed mortgage officers on me I feel like I was not given what I was promised with the interest rate we received at closing. I was told at the time I locked my rate that if it came down the mortgage rate would be reduced to the current market rate at closing. This did not happen even though the rate dropped 3/10ths of a percent. My loan was passed around. I dealt with people in multiple states, told that loans payments from previous loans paid off still had to count against my debt/income ratio and had all sorts of issues with the loan processors. All of which I believe benefited BOA and they got what they wanted which was more PMI payments and a higher interest rate at my closing. 
I feel like the incompetence and miscommunication with BOA caused me over {$100.00} a month in addition PMI and interest charges. I have never been so mistreated by a bank before in my life. I want this to be filed against them and I hope it will make them change the way they treat their customers. BOA admitted they did us wrong and mailed me a check for {$500.00} as an apology. That is right, they sent us a check and said sorry we missed your closing not once but twice and that we screwed up you loan! But the grief they put me and my wife, realtor and the sellers through was not worth going through the process with them! They caused us to get into our house late, miss our movers ( they could not reschedule ) and made us move the day before my wife started back to school as a teacher instead of having a week to get settled. It caused harm with the sellers too. This bank should not be allowed to provide mortgages to the public as far as I am concerned. They are a dysfunctional group that does n't care about their customers. They have big money and think that if they send you a few hundred dollars for their mistreatment they can get away with doing whatever it takes to make themselves the biggest bank!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX, XXXX and has publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties in which are damaging my reputation and credit worthiness. 



REGIONAL ACC TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$13000.00} {$13000.00} {$13000.00} No. of Months ( terms ) : 72 72 72 High Credit : {$17000.00} {$17000.00} {$8700.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$13000.00} {$13000.00} {$13000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Merchandise was taken back by credit grantor ; there may be a balance due. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to request that my consumer report for XXXX and this month and my consumer file be sent to myemailaddress.
Product: Credit card

On XXXX I looked at my credit report because my score dropped and saw XXXX new credit cards ( Macys and Home Depot ) opened under XXXX different names. I called the number provided by the credit report and they assisted me with closing the account. On XX/XX/XXXX, I got a letter stating I am responsible for the payment and called the number provided, XXXX. I believe this is a fraudulent number provided and I gave my social security number, birthday and address. I believe my information has been compromised.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was mistakenly reported 30 days late and 60 days late by my mortgage company due to their payment address change and failure to notify me of it. Also, the credit union had a grace period which I fell under. 

I sent a letter in XXXX asking to please have this fixed soi can buy a new home, the 2nd letter I sent certified to ensure delivery. Still have not received anything back or updates to fix the problem. 

My bills are paid on time, and I send checks via mail, this was a minor mistake on the banks part in not notifying me as well as the bureaus for not fixing this issue promptly. I need some help to get this fixed. Thank you XXXX
Product: Payday loan

I have received 3 phone calls in regards to check smart from a company claiming to be called " Corporate Office '' in regards to an unpaid balance ( which has been paid and I have my receipt ). They have called me three times in the past two days, XXXX number they have to call back does n't work ( XXXX ) XXXX XXXX ; had to do a XXXX search to find a working number and when I got through to someone her name was XXXX XXXX, she was EXTREMELY rude and not willing to help me unless I gave her my SSN, so I asked for a manager becaue I had no idea who the company was and why they were calling. Then the manager offered to look me up with an address and name ; she only asked for XXXX identifiers rather than XXXX which is also required through the FDCPA in regards to debt collection. Then she said I do n't know why we called you paid sorry. Then when I tried to explain that her employer was extremely ruse she told me that it did n't matter because they were n't protected by the FDCPA and to have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. I HAVE NO TRANSACTIONS WITH THIS COMPANY. THIS IS CAUSING PAIN AND SUFFERING.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. 
Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 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/XXXX
Product: Credit card or prepaid card

On XX/XX/2020 my credit card was billed for the third time, for one purchase. With XXXX in the amount of {$46.00} on XX/XX/2020. 

I am a XXXX American veteran and am having a great deal of trouble over being charged three times for one purchase on XX/XX/XXXX. Please be so kind to help me. 

JP Morgan Chase bank just charged me for a 3rd time on XX/XX/XXXX. It is even dated XX/XX/XXXX On XX/XX/XXXX there was two charges in this amount. Now, on the XX/XX/XXXX JP Morgan Chase bank has charged me for a third time, for the amount of {$46.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted ( called ) EquiFax a few times over a period of a year ( between XXXX and XXXX ). I have set up the account, and the account exists. However, I am still UNABLE to get into my account and unable to secure my credit report or credit score, etc. Each time they said someone from IT will get in touch with me or something like that. I have, each time, successfully identified my identify and yet, no representative from this company was able to resolve my issue unable to access my account!!
Product: Money transfer, virtual currency, or money service

My ID and debit card were stolen and my account was hacked l am trying my best to resolve the issue with my back. A cashiers check was authorized and took {$5200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( previously XXXX acocunt ) is inaccurate! It has already been removed from XXXX and XXXX credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I noticed that I had unauthorized inquiries on my credit report that I do not recognize
Product: Vehicle loan or lease

As stated in Article 1 section 10 of the constitution *Only gold and silver can be used as that is deemed as lawful money. * With the above statement being Truth. I am no longer obligated to pay a deficiency balance or any remaining balance on the account under the name XXXX XXXX. I have learned recently that this is a legal fiction ( PERSON ) used to contract and do business as such. I am a living being and not a dead corpus. Fraud has no statute of limitations and legal action will be taken if the company ( GATEWAY FINANCIAL SOLUTIONS ) continues to violate my consumer rights. I've given address corrections to the company ( GATEWAY FINANCIAL SOLUTIONS ) for all documents and still have not received any acknowledgement nor consideration of hardship. I have gained full competence to the contract and have acknowledged to the company by way of telephone that my alleged " Debt '' can not be sold nor paid in any future time. If not considered FULL legal action will be taken. I also have asked the company in both of my previous complaints to refund All fiat ( Federal Reserve Notes ) to my accounts as it is not lawful money or legal tender.

Article I, Section 10, Clause 1 : No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility.
Product: Checking or savings account

I recently overdrew my US Bank business checking account between the dates of XX/XX/2019 and XX/XX/2019. On XX/XX/2019 I deposited plenty of money to cover all the overdraft payments and also the eccessive fees that they charged me on my account. On XX/XX/2019 I called to discuss my situation with US Bank to complain of the eccessive fees and to request a refund of the overdraft fees or at least a partial refund. I spoke to two managers and neither was willing to help me out with a refund. I don't agree with their payment processing method and policy on overdraft fees and overdraft protection service. I explained that the service and fees are actually hurting me and I think the fees are eccessive and also I never authorized them to charge me a fee in the first place, so I feel they are stealing money from my account. I want them to refund the money they stole from my account through their overdraft protection service, which I did not know was optional to have when I first opened the account. The service was not explained to me and I did not understand what I was doing at the time I opened up the account with the overdraft protection service. Now that I understand the overdraft protection service, I feel it is theft of my money, I do not agree to it and I never authorized the overdraft charges. So I consider this action a theft of my money from my US Bank business checking account by the bank itself for a motive of profit.
Product: Mortgage

I unfortunately have my mortgage through LoanCare LLC. We bought our home in XXXX. This company did not pay our taxes in XXXX, and we had to call multiple times to have them pay in XXXX. Well our XXXX tax statement comes out and low and behold only our XXXX taxes that were paid are in that statement. We should have a statement with both XXXX and XXXX taxes that were paid. I have reached out to them 4 times with this issue and no resolution. It has been " sitting '' with the tax department for the last month and a half and nothing has come of it. The customer service reps are rude and nasty and just through you around in circles.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. 

THESE FRAUDULENT UN-IDENTIFIED COLLECTION ACCOUNTS ARE NOT MINE. THESE COLLECTION ACCOUNTS ARE NOT MY ACCOUNTS. 

THIS IS A RESULT OF IDENTITY THEFT AND FRAUD MY IDENTITY WAS STOLEN. 

MY SOCIAL SECURITY CARD, MY STATE ID, MY UTILITY BILL AND MY FTC REPORT IS ATTACHED. 

PLEASE REMOVE AND BLOCK THESE FRADULENT COLLECTION ACCOUNTS XXXX ) Transunion XXXX XXXX XXXX XXXX ( balance XXXX ) XXXX XXXX Transunion XXXX XXXX XXXX XXXX ( balance XXXX ) XXXX ) Transunion XXXX XXXX XXXX XXXX XXXX XXXX  ) Transunion XXXX XXXX XXXX XXXX ( XXXX ) XXXX ) Transunion XXXX XXXX XXXX XXXX XXXX  balance XXXX ) XXXX ) Transunion XXXX XXXX XXXXXXXX XXXX XXXX XXXX