23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This collection agency has bought the debt from a medical service. Credit Service International has it listed as " XXXX XXXX '' under loan type and not medical. 

The service was on XX/XX/2022 for medical contract # XXXX there was 2 medical charges on that day. One from XXXX XXXX and One from XXXX XXXX. There was only one procedure performed that day and the insurance was charged twice for the same Diagnosis code, and same procedure. 

The Insurance did verify that I was charged twice for one procedure and I have attached documentation from XXXX XXXX XXXX XXXX of Michigan showing the charge with the contract number. The doctor that ordered the pathology was supposed to remove that from my billing. The records office will not return my calls and I was told it is in collections so there is nothing they can do about it now. I just need to pay it after I already paid the copay and insurance for the procedure. 

Credit Services has been notified of this error numerous times and refused to remove this collection that is under {$500.00} and a medical debt which should not be on my credit reports.
Product: Credit reporting or other personal consumer reports

Experian has something on their website called " Credit Report Changes ''. I called them to find out what those changes were based on and why my credit score went down XXXX points from XXXX XXXX to XXXX XXXX. I spoke to one person who sent me to another and NEITHER could answer my question. How you let these credit bureaus use offshore customer service is a joke. They can answer your questions.
Product: Debt collection

I received a letter today from Sequium Asset Solutions informing me that I owe XXXX {$260.00}, with no information on the nature of the charges, and threatening me with a negative credit report to three bureaus if I do not comply. 

When I called the number that the letter directed me to call for next steps, no one picked up. 

There are two issues : 1. I did not receive any prior notice that XXXX is alleging I owe {$260.00}. I have received no information from the XXXX, the debt collection agency that they are using, Sequium Asset Solutions, nor have I been informed of any process I can engage in to receive that information or contest the debt. 

2. I do not agree that I owe the charges. I closed out my account with XXXX when I moved from my previous home in XX/XX/2019. I spoke with a XXXX agent on the phone who confirmed that my account was closed and that all charges were paid. I have received no notice or information from XXXX or Sequium about the nature of the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an an apartment and received a denial and adverse action letter for a rental collection that was placed on my credit report without my knowledge or consent from a collection agency named XXXX in the amount of $ XXXX is illegal to place debt on someones credit file that is invalid. I have never lived at this property nor have an address attached to it. I filed a police report for identity theft and have proof of it attached. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens, ( mo ) ( 281 SW 715, 719 ), I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Please have this removed from my credit report.
Product: Checking or savings account

On XX/XX/2020, I made a mobile deposit of {$30000.00} from my money market saving account at XXXX XXXX XXXX  XXXX XXXX XXXX to my checking account with Bank of America ( BOA ). Bank of America put a hold until XX/XX/2020. When I checked my account at XXXX, the {$30000.00} check was cleared on XX/XX/2020. 

I called the customer service line at BOA on XX/XX/2020 and after some research, the customer service representative ( CSR ) told me that the fund would be released immediately. 

Today XX/XX/2020, I checked into my balance at BOA and the {$30000.00} still has not been cleared with BOA. On top of that, the check hold has been extended from XX/XX/2020 to XX/XX/2020. I called again with BOA CSR and the new CSR said that CSR of Friday did not release the fund and did not do the right procedure.
Product: Debt collection

I am writing to dispute certain information on my credit report that I believe to be the result of identity theft. I want to clarify that this letter and the accompanying supporting documents are genuinely from me, and I affirm the authenticity of the documents enclosed. I am aware of the seriousness of the matter and the importance of providing accurate information when disputing items on my credit report. Therefore, I want to confirm my identity and the legitimacy of the documents I am submitting for your review. Furthermore, I dispute the following accounts on my credit report, which I believe are the result of identity theft : XXXX XXXX XXXX XXXX XXXX I request that you promptly investigate these accounts and take the necessary steps to rectify the inaccuracies on my credit report. I also kindly ask that you provide me with updates on the progress of your investigation as required by law. Please be assured that the information provided in this letter and the accompanying documents are genuine, and I take full responsibility for their accuracy. I appreciate your prompt attention to this matter and your assistance in resolving this case of identity theft.
Product: Mortgage

I recently ended a Ch. XXXX bankruptcy and have been trying to bring my mortgage current or have it modified. I attempted to make payments on the loan on line but was restricted from doing so and was advised that as soon as they audited my Ch. XXXX payments they would notify me with a total and help make arrangements and until that time they would not be able to process payments on the account. 
I was sent the updated total by mail and attempted to contact them by phone. I have made many attempts to contact them at the number they provided, but have either been disconnected by their automated service while entering requested information or when I finally reach a operator they ca n't " hear me '' and disconnect. I have also attempted to make phone appointments with them via their website but am told my " session has ended '' when I click the submit button. 
Today they served me with a foreclosure notice and I have been once again been attempting to contact them for the last several hours with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware when I checked my credit report that this debt collector under the name of NATIONAL CREDIT SYSTEM , INC has reported incorrect information that I owe the amount {$4100.00}, I have sent a notice of state and federal validation of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Midsouth Bank that I opened in XXXX. When the bank announced it was being purchased by XXXX XXXX I immediately closed my account to switch financial institutions. I went, in person, to Midsouth ( before the transition to HW ) to close the account. I had {$80.00} worth of pending charges left on the account so I left {$100.00} in the account to ensure it would be enough for all remaining transactions. Midsouth called me within two days to confirm that I had closed my account completely ( I do not have a way to confirm this as it was well over a year and a half ago ). My account was closed and I have not thought about it sense. On XX/XX/XXXX at XXXX EST I received a collection call on behalf of Hancock Whitney. The caller stated that I owed " an amount over {$200.00} '' but she was unsure of the exact amount. I immediately called Hancock Whitney and the three different people I talked to all gave me  different amounts of money that I owed to close an account with them. An account I never had with a bank I have never done any work with. I was told that my information had been carried over from my closed Midsouth account and that Hancock Whitney never went through the steps to make sure it was closed. They opened an account for me and allowed fraudulent purchases on this new account. On XX/XX/XXXX of XXXX ( A full year after I closed my account ) a purchase was made in my name. They could not give me the exact amount, nor could they tell me where the money was spent. They could only tell me that I had {$210.00} in late fees from Hancock Whitney and that the amount of the purchase would be added to that amount. I checked my credit score and this is not on my credit report ( XXXX XXXX ), but I am  afraid it will be soon. This bank has committed fraud by opening an account in my name without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER DISPUTE YOU ADDED SAME PAST DUE ACCOUNT ON MY CR TWICE SAME ACCOUNT i HAVE 4 2 WERE DISPUTED YOU ADDED THE SAME 2 SO NOW I HAVE 4 SAME 2 TWICE DONT KNOW HOW TO EXPLAIN TO YOU SO WHY DONT YOU CHECK IT INSTEAD OD ASSUMING SOMEONE DID THIER JOB , CLEARLY THEY DID NOT
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the inquiries listed below be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. These inquiries were made due to unauthorized access and should not be reflected on my credit report. 
The following inquiries should be blocked and deleted from my credit file : XXXXXXXX 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: Checking or savings account

I call XX/XX/XXXX Thank you for calling us about transactions you did n't recognize on your account or card. Your claim number is XXXX. The bank says can not solve my problem. they told me they will be investigated but they did not do anything the fix the issue and some body was used my debit card many times in XXXX XXXX and also they withdraw money from my cheking account.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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 XXXX  days before the payment due date. 


XXXX EXPERIAN 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 XXXX  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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my personal information was compromised there are unauthorized and unverified fraudulent inquiries reporting on my credit reports XXXX XXXXXXXX/Equifax ) I have not applied for anything and these need to to be removed. 

Equifax XXXX, XXXX. 
Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Mortgage

I have a zombie mortgage that I wasnt aware of until I tried to refinance my mortgage. I filed bankruptcy in XXXX as a result of the XXXX financial crisis and this mortgage was included. The lender is currently holding my title as ransom until they agree on settlement. Im not sure what the terms on the loan were. I requested a copy of the singed loan documents over 30 days ago via priority mail and I have not received any response from the lender. I have been working on trying to settle this since XX/XX/XXXX with multiple denials. This company did not appear at my 341 hearing.
Product: Vehicle loan or lease

I purchased a car from XXXX in XXXX and their loan company is Bridgecrest Loans and I will give you all information for Bridgecrest, my account number is XXXX and Bridgecrest phone number is XXXX. I was in a hospital, got out and I did informed Bridgecrest and they were ok of me making my payment but they lied to me. They took my car and when I called them Bridgecrest wanted me to pay {$26000.00} in cash to get my car back. Bridgecrest is supposed to help people with poor credit obviously they don't help. Bridgecrest do not have options and now this is at the begining of my loan, I got the car in XX/XX/2022 and they took my car after a month and they got their payments which I am doing a reversal with my bank. It is not in their contract stating if you are one payment behind they will come get the car and actually it is not in their contract at all that I got from XXXX XXXX about being late will have Bridgecrest repo the car. This is not right they don't work with people with bad credit as they stated. They could allow me to make my payment and release the car to me but they want the full {$26000.00} in cash. Bridgecrest lied about their loan program. Bridgecrest received their payments.
Product: Money transfer, virtual currency, or money service

I received a check through the mail last XX/XX/2021 as payment for artworks that I have made. The amount that I received was {$2300.00}, more than the amount that I asked for, {$400.00}. I tried depositing the check with my XXXX XXXX XXXX XXXX, but it was not going through. I also tried depositing it through ATM, but it said it can not accept the check. So I proceeded to the bank, and initially asked why it was not going through. According to the teller, the computer was not telling why but they deposited it anyway. 

The amount reflected on my account, and the scammer told me to send over the money. I was confident about the amount in my account because the teller from the bank deposited it and it was fine. I was able to send a total of {$1400.00} through Zelle in multiple transactions and {$890.00} in total through XXXX in two transactions. 

Last XX/XX/2021, I called the bank because of the negative amount in my checking account. I called multiple times for them to tell me that it was a bad check and I was responsible for it. They said they could not do anything about it. In one of the calls, an agent suggested for me to make a dispute on Zelle and XXXX. 

I contacted the person whom I sent money to through XXXX. They said they will refund the money. As of the moment, I have received alert that I will be able to get {$400.00}, but no update yet for the remaining {$480.00}. 

I also reached out to the person whom I sent money to through Zelle named XXXX XXXX with Zelle email XXXX. He claimed that he did not know me, and that his Zelle account was hacked a month ago. He also claimed that he is not using it because he can not log in. 

I have also filed a report through Zelle. It is the most unhelpful report system that I have ever seen. There is no case number and no date to let me know any updates from the report. It also said that " for security and privacy purposes, results or actions of our investigations will not be provided. '' How am I going to even get an update, or event track my report?
Product: Checking or savings account

Wells Fargo sent me the following email. I attempted to advise them I am not a Wells Fargo client and not bound by any of their internal decisions via a reply to the email and they instructed me to attempt to login via a link. I believe Wells Fargo is engaging in their standard practice of opening accounts for people that have not been requested. 

Please see the email below : From : Wells Fargo XXXX We are updating the XXXX XXXX XXXX Addendum When you enrolled in the XXXX XXXX XXXX, you reviewed and accepted our XXXX XXXX XXXX XXXX to the Wells Fargo XXXX XXXX XXXX ( XXXX ). On XX/XX/2021, the XXXX XXXX XXXX XXXX will be revised to provide more clarity on the use of XXXX and to remove outdated information. 

No action is required on your part. This notice is simply to let you know that certain terms in the XXXX XXXX XXXX XXXX will be updated. Your continued use or access of the XXXX XXXX XXXX is your agreement to these changes. 

For more details, please review the XXXX Summary of Updates and access the full upcoming XXXX XXXX XXXX Addendum to the Wells Fargo XXXX. 

If you have questions, please send us a secure email. 

Thank you for being a Wells Fargo customer. 

Wells Fargo Online Customer Service XXXX XXXX XXXX XXXX XXXX and the XXXX related marks are wholly owned by XXXX XXXX XXXX XXXX XXXX and are used herein under license. 

Wells Fargo Bank, N.A. Member FDIC. 

Please do not reply to this automated email. 
XXXX
Product: Debt collection

I filed a complaint against this company for harassment of my daughter on her cell phone and the company used that opportunity and the CFPB response system inn order to attempt to verify this debt instead of using proper practices to do so. Using the complaint system as a way to verify possible debts with consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I requested that XXXX remove three items on my credit report. 

Credit Corp Spolutions XXXX XXXX XXXX I stated to XXXX that these items are beyond the Statute of Limitations for the State of California. They in turn stated that all three items are accurate which they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently checked my credit report and I see there are accounts that Ive never opened and I need them removed IMMEDIATELY! My grandmother that I used to live with XXXX XXXX open this account using my information trying to so call help me when I never asked for this account open.I never knew about this account till now I had a problem going on where she was using my information so I couldnt move and leave her home so when I do ever go to get a apartment I cant because of her messing it up and the police got involved and she lied multiple times. She has opened multiple accounts in my name even a loan and I dont know how to even get a loan I just turned XXXX. Please remove this from my credit report. 

XXXX  Ive called yall about a late payment because She messed it up she has access to all my information Ive mad a police report because shes trying to mess my life up since I left her home.she had access to my bank account since I was connected to her bank account before I was able to make my own. 
Remove the late payment from my credit report or close the account and remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint 4 months ago to CFPB around the fact that my reported Student Loans on my credit report were not only currently in litigation with the federal government and other civil suits due to them being solely part of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and because of this they need to be eliminated from my credit reports immediately. XXXX  did it, but Transunion and XXXX  failed completely, and did not remove them from my credit report. These loans are fraud and there is about to be another major lawsuit again XXXX for harrassing the same students who were mislead and money stolen from them by XXXX as the students now have no legitimate degree but thousands being reported on their credit report. This is causing them to have massive amounts of problems from buying a house to getting funding for a REAL degree and being able to start their life over properly. So far the CFPB has completely failed in rectifying this matter and this situation may need to be taken to common law/equity law to get justice - ANY STUDENT WHO WAS UNDER THE FRAUD OF XXXX XXXX XXXX XXXX AND COLLEGES LIKE IT ) AND UNDER NAVIENT WHO CONTINUES TO REPORT THESE FRAUDULENT DEBTS TO CREDIT COMPANIES IS RESPONSIBLE FOR THE DEBT OWNED, NOT THE ALL CAPS NAME " PERSONS '' - THIS IS THE 2ND ATTEMPT FOR MY OWN CREDIT REPORT TO REMOVE THESE LOANS OFF THE MAJOR 3 CREDIT BUREAUS IMMEDIATELY - XXXX, TRANSUNION AND XXXX. IF THESE 3 CREDIT BUREAUS DO NOT REMOVE COMPLETELY, THEY ARE THEN RESPONSIBLE ALONG WITH XXXX, XXXX XXXX XXXX AND THE CFPB. A MAJOR 2ND LAWSUIT IS BEING DISCUSSED AGAINST THE CREDIT BUREAUS IF THIS CONTINUES.
Product: Money transfer, virtual currency, or money service

I am writing this letter to demonstrate my disgust with Paypal 's decision to take my available funds in my account. There was a total of {$4100.00} in my available balance. I was told by Paypal that I needed to wait 180 days to withdraw the funds. After about 170 days, Paypal then transferred the available balance funds into their own PayPal account, claiming " damages '' after a violating the " acceptable use policy ''. 
Paypal has provided zero evidence to backup their claim that my company has " damaged '' their business. All of these sales were from XXXX transactions and there very minimal amounts of returns or refunds. All of the buyers have received their merchandise. I emailed Paypal and they told me that I would be able to withdraw my funds in 180 days. I am attaching proof of their email showing they told me this information. There was only 1 Paypal dispute which was decided in my favor. I am asking that these funds be returned to my account right away so I may withdraw them to my bank account. If I do not have these funds returned within 45 days i will be filling a lawsuit in small claims court. Please advise.
Product: Money transfer, virtual currency, or money service

Helllo, I attempted to transfer money ( {$1600.00} ) from my XXXX account to my checking account on XX/XX/2019. However, I inadvertently sent it to a USAA checking account I do not have access to. It's an active account but I am no longer listed as a user on the account and haven't been for over a year. When I realized the mistake I contacted XXXX ; the representative said that because the transfer was accepted by USAA that I'd need to call USAA to fix it on their end. So, I contacted USAA. The USAA representative said that because I do not have access to the checking account, there's nothing USAA can do and it would need to be resolved with XXXX. I contacted both XXXX and USAA additional times to relay what the other institution told me, without luck any time. Ive filed claims ( denied by XXXX, determined that it wasnt actually unauthorized activity ) and sent messages but both insist that it must be handled with the other institution. I also contacted the CFPB by phone but the representative said the only thing she could find was to contact XXXX, which of course, I've already done. The money didn't go to the intended recipient and I just want it to go back to originating account. I'm stuck and havent been able to find any potential resolution to recover the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

FILED A DISPUTE LAST { 609 letter date } WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER { count the days from the 609 letter up to date } DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.