23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I XXXX XXXX, THE ONE AND ONLY XXXX XXXX WHO's SOCIAL SECURITY NUMBER IS XXXX ( Which is attached XXXX am a victim of identity theft. I Filled out a FTC report about it ( report # XXXX ) .by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this on XX/XX/2021. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). furthermore, This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT OR INQUIRIES
Product: Checking or savings account

Pay Pal XXXX XXXX acts like a bank. It comes with direct deposit. My social security funds were being deposited to the account on a monthly basis. This account was for my XXXX My XXXX XXXX XXXX this year & the account was closed. There were funds left in this account that came from my social security payments. These payments had already been made before my XXXX XXXX XXXX, so I'm trying to collect the funds that were left in the account. Customer service said to send an email with documents/proof in order to collect the remaining funds. From XXXX, several emails have been sent to both customer service & garnishment. A whole new email with attachments just got sent out again on XX/XX/XXXX. I feel as though Pay Pal is taking advantage of this situation since I'm a XXXX. Documents haven't been included with this complaint since these items contain sensitive information.
Product: Mortgage

I have provided every document to Round Point Mortgage and every time I call in they say they have everything, then I get a letter stating they need something else that I already have sent in. Now I keep on getting told it is in review. We are 60 days out and a BPO has not even been done as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a previous dispute about a collections from " XXXX XXXX XXXX '' for a collection of {$780.00}, original creditor was XXXX XXXX. The debt was not mine and was proved to not be mine and was to be removed. Both the credit reporting agencies and CFPB showed that it was an error and said it was to be removed. The debt is still being shown on my XXXX, Transunion, and XXXX  reports however. In the case of Transunion, the " XXXX XXXX XXXX '' collection was removed the same day a new collection account with the same open date and same amount due was opened on my Transunion account. I now have a new collections which says the original creditor is " Collection '' with the same amount owed {$780.00} and the same opened date of XX/XX/2018. The collection company appears to be either not removing the account or in the case of Transunion they have moved the collection to another company name so they can reinstate it on my credit report. I'm applying for a mortgage shortly and can't keep fighting ( this is the fourth time ) to keep this charge off of my accounts. As soon as I have them removed by Transunion, XXXX, or XXXX   they are put back on again a few days or months later until a different collections name. If it can't be stopped permanently I'll need to file a lawsuit against the holding company. Please help before it gets that far.
Product: Money transfer, virtual currency, or money service

Ive been locked out of my Coinbase account, and unable access all digital wallets. Ive called Coinbase multiple times, sent multiple emails, and am still unable to access my account.
Product: Debt collection

Last XXXX, I applied for a home equity line of credit on my house. The bank ( XXXX ) informed me that I had a collection on my account being reported by XXXX ONLY. It was an collection with " XXXX XXXX XXXX '', and the original creditor was Bank of the West. I called and told the debt collector I have never opened an account with that bank, and they told me the account was opened in XXXX. I live in XXXX  and told them I have only been to XXXX once - 7 years ago when I visited for 3 days for a wedding and I didn't open any accounts or apply for debt. I filed a dispute with XXXX and it was quickly resolved and removed from my credit report. I applied for another mortgage last month with XXXX XXXX, who told me XXXX and XXXX are now reporting this fraudulent collection AND MY CREDIT SCORE DROPPED FROM XXXX TO XXXX. I filed disputes with both XXXX and XXXX and they were both denied. I have worked my entire life for perfect credit, and now this fraud is ruining all my hard work. It's not fair. Please help me, this will cost me lots of money as this new mortgage will now have a rate .5 % higher, due to no fault of my own whatsoever. Thank you!
Product: Credit reporting or other personal consumer reports

Recently checked my credit reports and realized TransUnion, XXXX XXXXXXXX, and XXXX XXXX XXXX is in violation o

f 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

And 15 US Code 1681b ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.

under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the items from my credit file immediately. 
Misleading and False Information. This is a HIPPA Violation and you can not report Medical Information on My Credit Profile this a Violation. I am seeking Litigation. 
PLEASE DELETE THE ACCOUNT PROFESSIONAL COLLECTORS IMMEDIATELY FROM MY CREDIT PROFILE. 
Thank you for your time and help in this matter.
Product: Money transfer, virtual currency, or money service

( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund, transfer act ( EFTA ) ant regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Over the course of XXXX, Synchrony Bank refused to, reverse fees on late payments, offer forebearance to CoVid-related accounts that were 60 days past due, and closed accounts that were in good standing of over +2 years. 

I had at the end of XXXX 4 Synchrony Bank branded credit cards. 
1. XXXX XXXX XXXX 2. PC Richards store 3. XXXX XXXX XXXX XXXX 4. PEPboys Automotive During XXXX, Synchrony Bank canceled my XXXX card w/o notice. They then in XXXX, closed my PC Richards card with notice. Both cards were used in the past and were in good standing at their cancellation dates, with {$0.00} balances outstanding. 

In XX/XX/XXXX, my PEPBoys card was nearing its XX/XX/XXXX expiration date, when I attempted to use it for a repair, with available funds for credit purchases. The PEPboys was not allowed to used for the purchase, and another card was used instead. On XX/XX/XXXX, the new PEPBoys card wth XX/XX/XXXX expiration arrived. Upon activation I was told I could not activate, until I made a Video shoot with State ID in the filming. I refused and I am waiting for a letter to confirm my passcode for activation. 

Number 1 : My complaint of non-conforming to the CARES Act provisions of financial relief for consumers, if the institution accepts public monies, contained in the CARES Act. 

Number 2 : The lack of guidelines in its credit card agreement and its provisions of notification in case of termination, by BOTH parties and its procedures were not followed. 

Number 3 : The lack of up-to-date portals to allow access to accounts and the timely accounting of the individual accounts under its purvey to establish a credit card services corporation. 

A response is requested, at this time. 

XXXX XX/XX/XXXX 1.The CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders. 

2. On XX/XX/XXXX, the House passed the Heroes Act ( H.R. 
6800 ) and on XX/XX/XXXX, the House passed an updated version of the bill ( H.R. 925 ). Among its many provisions, both versions would expand consumer rights to loan forbearance and other payment relief during the COVID-19 pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting on Equifax closed accounts as accurate and on time. Equifax is reporting closed accounts as open and on time. 
The accounts are reported daily as on-time. The accounts have no status and no remarks. These accounts need to be deleted. The closed accounts are keeping my fico and XXXX score from improving and increasing due to the fraudulent scams to keep the closed accounts as open when they are not. By keeping the accounts XXXX XXXX can continue to be paid. This practice of reporting these closed accounts does not allow any financial opportunity for future credit or financial assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. Please update or correct this immediately. 
XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$980.00} US DEPT ED XXXX : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} US DEPT ED XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9900.00} US DEPT ED XXXX : {$5400.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} US DEPT ED XXXX : {$4700.00} XXXX XXXX XXXX XXXX : {$7100.00} US DEPT ED XXXX : {$4000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX*Balance : {$0.00} XXXX XXXX*Balance : {$0.00} XXXX XXXX*Balance : {$0.00} XXXX XXXXXXXX*Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had issues with TransUnion for over two years now. They continuously show my credit score to be in the lower five hundreds and they will not take old information off my records for accounts that have been paid or closed out. I have notified the company several times and I have sent them documentary evidence of these accounts that have been paid and closed but they are continuously showing the same old information and they will not fix my score. I pull my annual credit report every year, plus I monitor my credit with XXXX and XXXX and they show accurate information and my credit score is in the mid six- hundreds. 
I used my credit for a home improvement loan and the company pulled my credit from Transunion and my score was XXXX. It makes me feel that Transunion is in fraudulent activity with these companies so that higher interest rates can be charged because they refuse to change and update information. 
Please help me rectify this problem with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous efforts to remove incorrect information on my report without success beginning in XX/XX/XXXX beginning with XXXX XXXX  XXXX who reported incorrect dates and amounts. This complaint was made directly to the mortgage company. XXXX, FMCC XXXX who I filed a complaint against directly to the credit bureaus and still they are reporting a lateness that never occurred. Third, the previous balance owed to XXXX XXXX XXXX is also in error. On this account, I obtained the services of XXXX XXXX in XX/XX/XXXX and have not been successful as of yet. XXXX of the more serious complaints I made with the credit bureaus is the SC XXXX XXXX XXXX XXXX who persistently reported incorrect information regarding lateness and dates. Last, my account with XXXX XXXX and XXXX has also been reported in error. 

In accordance with the Fair Credit Reporting Act, these companies and credit bureaus have violated my rights.

15 U.S.C 1681 Section 602 A states that I have a 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.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to seek urgent assistance regarding my Venmo account, which has been frozen without proper justification. My situation is as follows : On XX/XX/XXXX, I received a direct deposit into my Venmo account. 
Shortly after, Venmo froze my account and requested identification documents. 
I promptly submitted my passport and drivers license as requested. 
Despite multiple follow-ups and conversations with supervisors, my account remains frozen. 
The department responsible for handling frozen accounts is unresponsive, and I have been told to wait for XXXX business days. 
As a single mother with XXXX children, this situation is causing significant financial distress. My entire direct deposit from my job is being held, and I am unable to pay my rent and meet other essential expenses. 

I kindly request your intervention to expedite the resolution of this matter. I have diligently complied with Venmos requirements, yet my account remains inaccessible. I implore you to investigate and ensure that Venmo releases my funds promptly.
Product: Mortgage

XXXX XXXX, 2015 : I had not received a monthly statement from Seterus. 
*I called to find out-XXXX at Seterus from the toll free contact number and she explained to me that their computer program had changed internally. For the past several years I have been paying extra each month with the overage going to principle only. These payments are made electronically. XXXX 2015 this all changed. 
XXXX XXXX, 2015 : I called again and talked with XXXX and she re-stated the same problem as on the last phone call. 
XXXX XXXX, 2015 : I called again and talked with XXXX and he once again stated they were having computer programing issues. 
XXXX XXXX : I still have not received a XXXX statement. XXXX XXXX again stated they were not able to provide a XXXX 2015. I told her that I was ready to make my XXXX 2015 and wanted the extra amount over the regular payment to be applied to principal only. 
XXXX XXXX, 2015 : I checked my account on line and saw that the XXXX payment was received and the extra funds were not applied to my principal. I called and XXXX said she would look into the problem I have been having and called me back on XXXX XXXX. That did not happen. 
XXXX XXXX, 2015 : I spoke with XXXX XXXX at Seterus and was given the same story from all the previous calls. Each time I requested to speak with a supervisor and was told none were available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I financed some expensive dental procedures through XXXX XXXX. The contract I signed had no late fee and no interest component. Due to personal circumstances, around {$7300.00} of the original {$23000.00} debt remains payable. The debt now resides with a debt collector who calls periodically -- the calls come through on personal lines, and do not appear to be coming from a business or agency. When I answer, they force me to identify myself and state they are with the company ( HP Sears. ) I then assert that I will not discuss anything until they provide me with statements itemizing the fees and charges and how a {$7300.00} bill now stands at nearly {$10000.00}. It is my understanding that they must provide these itemized charges, as well as make statements available to me for me to review, which they have so far refused to do. 

Furthermore, I have attempted to initiate a dispute with all three major credit reporting bureaus, only to be stymied there because the bureaus always find in their favor. I know for a fact there is no interest or late fees because about a year into paying the bills -- and I was paying {$500.00} a month -- Western Dental changed their systems TO charge interest and late fees and tried to get me to sign a new agreement for a " lower '' amount and I refused. Furthermore to that point, when the system change went into effect, my due date shifted, and for a few months it took me calling every month to have them remove the " late fee '' they weren't entitled to charge because ( a ) there was no mechanism for them to do that, and ( b ) I wasn't actually late due to the original agreement I had signed. 

This has been a mess, and nobody will help me. I'm just now getting back on my feet and I really resent that they've made this needlessly difficult. I have/had over {$100000.00} in debt, and EVERYONE who was willing to work with me during the rough times got paid. It's only been a relative few who have behaved like sharks that haven't gotten what was owed, but I absolutely REFUSE to pay ANYTHING on this account until we can get the situation squared away.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have submitted my payment online to have it withdrawn on a certain date. Then after three days of my bill being late I speak to an agent letting them know that the payment is posted online to be withdrawn on a date I selected. The agent looked at the system sees the payment is scheduled to come out on a date I selected. Then the next day I get four or five calls requesting payment.
Product: Checking or savings account

Dear Administrator, Today ( XX/XX/2022 ) I try to open an checking account in usbank followed the following page : XXXXXXXX XXXX XXXXXXXX # XXXX After I filled and submit all personal sensitive information, then application is denied. 
Application ID : XXXX I called the customer service, asked why my application is denied, I was told because I live in XXXX XXXX, no branch in XXXX XXXX. 

Why they don't tell customer this offer just for people living in some area? 
I called the bank again, request talked to their supervisor, the supervisor said sorry, will ask programmer make change. 

It's unfair, they already knew the " offer '' is limit, why they don't tell customer at the beginning? 

It's cheating! Absolutely cheating! They want to collect person 's information, so they put a fake advertisement. 


Any help for protection customer is greatly appreciated! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXK # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent numerous letters ( from XXXX XXXX ) asking them to investigate several accounts on my credit report. They came back as verified and when I pulled the updated copy of my report it still showed numerous inaccuracies. If, after any reinvestigation under paragraph ( XXXX ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX ACCOUNT : XXXX To my surprise, I noticed on my XXXX report and other consumer reports that this account is not reflecting any late payments. However, on your report the account is reflecting a 30 day late payment on XX/XX/XXXX yet that is not 30 days late because the prior month of XXXX was also paid on time. This is clearly an error. I ask that you please update this account to " Paid as agreed '' updating the incorrect XXXX late payment.