23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for the XXXX credit card last month for the bonus award night benefit and they announced that they are taking the benefit away right after I got approved for the card. The card is useless to me now and I wasted a credit inquiry and {$75.00} annual fee. The card member agreement specifically mentions the bonus award night after paying the {$75.00} annual fee.
Product: Debt collection

They keep calling my business even after being told that this line is a business lane and does not accept personal call, multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account Name us dept of educatio Account # XXXX, Account Name us department of edu Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name us department of edu Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name usdoeXXXX Account # XXXX, Account Name us dept ed Account # XXXX, Account Name XXXX  Account # XXXX, Account Name us dept ed Account # XXXX, Account Name us dept of edXXXX Account # XXXX, Account Name XXXX XXXX XXXX  Account # XXXX, Account Name us dept of edXXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I begin, I want to be clear that I am not requesting a " pay-for-delete. '' I am arguing that I was never responsible for the balance that they reported to all three credit bureaus. 

Back in XXXXXXXX XXXX XXXX, I had reached out to XXXX Bank in regard to some auto pay items charging my account, in which I was not actively monitoring because I had an alternative bank account. These XXXX auto pay debits totaled {$19.00}, but resulted in {$64.00} in overdraft fees. I had a friend give me {$19.00} so I could give XXXX their money back. 

When I reached out to their customer service explaining that I was unemployed and could not possibly pay the predatory charges, they said they can automatically waive XXXX charge, but for the additional charge they'll have to escalate the issue. Once everything was resolved, my account would have to be closed though. I said that's perfectly fine because I am not even using it. 

The daily overdraft fee continued to be charged for over a month, including on the XXXX when I went hungry because my XXXX money was accidentally deposited into the overdraft fee cursed account. At that time, I reached out to them again and they said they were resolving the fees as we discussed. 

When the account was eventually closed, I had assumed they finally resolved everything. There was NO communication telling me my account was going into collections. Yes, my address had since changed, but my family still lived there, and I was never told I received mail from them either. 

Fast forward to XXXX of this year when I paid the past due balance, the only reason I paid it was because I got a great job, so I had to get a local checking account because I did not want to deposit XXXX checks into an online bank account. I was not paying them because I agreed with the balance and wanted a pay-for-delete, I was paying them so I could get another checking account. Every time I go into their branch about the problem, they just say they don't do pay-for-deletes, but that's literally not what requesting. I was supposed to never have been responsible for the balance, which was entirely XXXX bank electronically generated fees. 

I will attach a file explaining what I meant by being charged overdraft fees only because of the initial overdraft fee as well as the official statements they provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : DEFAMATION OF CHARACTER To Whom It May Concern ; This concerns the inaccuracy that is unfairly furnished on my consumer report by your organization which I came to know about on XX/XX/XXXX. Due to this inaccuracy, my right to extend credit has been severely damaged to a great extent and as a result, my public confidence has been undermined which is essential to the continued functioning of the banking system pursuant to 1

5 USC 1681 ( a ) ( 1 ) According to 15 USC 1681 ( a ) ( 3 ), consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

Therefore, I hereby put your company on notice and let you know that neither did I authorize you nor gave you consent to provide this report on my behalf. I also want you to know that your company has assumed a vital role in assembling and evaluating consumer credit and other information on consumers. My means of securing the necessities of life has suffered as a result.

Pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy.

Your organization neither exercised it's responsibilities with fairness and impartiality nor protected my right to privacy Nothing in the law mandates that information on a consumer or anything be reported to a consumer reporting agency. You are therefore liable I request that you provide me information on the system your organization used to establish whether the transaction occurred or not in relation to the report your organization furnished.

Your organization did not adopt such procedures that meet the need of commerce for consumer credit pursuant to 15 USC 1681 ( a ) ( b ). I hereby demand that you remove the following from my consumer report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FAILURE TO ACCEPT MY REQUESTS WILL ESCALATE THIS MATTER TO FEDERAL COURT Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i disputed XXXX XXXX XXXX XXXX to XXXX   and XXXX and transunion and no one has done a full investigation into the credit card. I'm reaching out to you because i also called these bureau explaining that i reach out to the collector and then to the collection office where i paid my full payment. They both don't have any information on their system with my name or bday or social and a year ago i pay XXXX XXXX XXXX XXXX. On XX/XX/XXXX i explain again the situation and still the update to my account remains the same with the statement " updated- information on this item has been updated. please review your report for the details '' meaning they put a new date that the account was reported when this account was first reported in XX/XX/XXXXand they continue to put in false information. I have all the proof of them changing all my current information to new information that does not make sense to my account. Please i need to get help with this cause their doing this to all my accounts that are negative that i am trying to fix and making the situation harder on me. I have all the proof if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have signed up in XXXX XXXX since long time to check my credit score regularly which gives me report from XXXX  and Equifax. I am making all payments on time and my score is consistent. Suddenly, on XXXX XX/XX/2020, I saw there is drop of 6 points in both XXXX and Equifax, and further checked there is a note that Remarks had been added to one of your account if you find something wrong you may contact credit reporting bureau. Then I called Equifax but they are very unprofessional and keep me waiting for 15-20 Minutes and hung the call. And as far as XXXX concern they are worst than Equifax and they did not connected my call and when connected it hung up afterwards. So, I want to get it updated and if something wrongly done then it needs to be fixed right away.
Product: Debt collection

Synchrony bank calls and hangs up repeatedly everyday several times a day. I had a care credit account with them, which has since been paid off. I filed a previous complaint before because of the same tactics. Complaint # XXXX. 

Have no idea why they continue to call. I called them about 2 weeks ago and told them to close the account and purge all of my personnal information from their system, that I never wanted to hear from them again. Now the calls have started again. I need help, this company is harrassing for no reason. They have been asked to stop and purge my info. The recorded the call when I asked them to stop, I told the person that I was talking to, to make sure that management heard the recording. Obviously that did not work. What can I do now?
Product: Money transfer, virtual currency, or money service

I made a wire transfer of {$150.00} to Coinbase, Inc on XXXX/XXXX/2017. However, until now, the fund is still not available. I tried to contact Coinbase Customer Support, but my ticket has not been replied.
Product: Debt collection

Wakefield & Associates , LLC. ( Wakefield ) is the collection agency attempting to collect medical debt owed to XXXX XXXX XXXX XXXX, in Florida, placed on account with Wakefield on XX/XX/XXXX. As of XX/XX/XXXX, per Florida statute XXXX XXXX, the statute of limitations for medical debt collections is three years. The debt Wakefield is attempting to collect is more than four years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit freezes should be free and easily used via the internet or an automated telephone line.
If I can transfer money via bank accounts using the telephone and internet, I should be able to freeze and thaw my credit the same way. 

The recent hack of XXXX and subsequent bad behavior by other credit reporting agencies shows that government oversight of this area is necessary immediately. I should have more control over my data on these services that are an important part of modern life. I must have the ability to freeze and thaw my credit at will, without paying a fee each time.
Product: Mortgage

Mr.Cooper has felled to report XXXX, XX/XX/XXXX MORTGAGE payments to all 3 credit bureau's.they have lied since XX/XX/XXXX since I've contacted them.they keep lying on the bankruptcy court order.reaffirmation was finally completed in XX/XX/XXXX, XXXX.cased closed in XX/XX/XXXX, XXXX.MORTGAGE payment for XX/XX/XXXX paid in full in XXXX XXXX.still CURRENT as of now.Mr.Cooper is blocking me from refinancing my MORTGAGE.Mr.Cooper is holding my mortgage in hostage.I have rights to refinance my mortgage.they are lyers and try to keep my mortgage with Mr.Cooper.this agency needs to get INVOLVED ASAP so I can refinance and get away from these crooks.they were supposed to sign the reaffirmation in XXXX of XXXX, XXXX and played with my attorney 's as if they never received my reaffirmation document's.they had them all along.they need to be SUED as soon as the government. Shut down is lifted!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Sent dozens of letters and maid hundreds of phone calls. ive sent multiple Letters to the creditor and they have not abided by what ive requested. 

They have also violated my CONSUMER LAW because they never gave me the option to OPT OUT from reporting this information to a third party! 

15 U.S. Code 6802b GM FINANCIAL account number - XXXX. 
Date opened : XX/XX/2016 via XXXX  Please DELETE ACCOUNT!
Product: Credit reporting, credit repair services, or other personal consumer reports

i applied for a job and the company preformed a Fair Credit Reporting Act, Consumer Reporting Agencies reported investigation into my background history, the consumer agency reported and Driver Involved Accident ( XXXX ) which denied my pre-employment interest with e transportation company. The Information reported to the company is not accurate with the XXXX XXXX XXXX XXXX XXXX, PSP screening program. By rule, the individual can request to obtain information about a file of a consumer reporting agency, if you are unemployed but expected to apply for employment within 60 days. Consumer reporting agencies must correct or delete inaccurate, or unverifiable information ... ..
Product: Credit reporting or other personal consumer reports

In complaint XXXX I stated that Equifax lowered XXXX credit score XXXX points incorrectly and unfairly. I went on to say I own my home outright, I have XXXX personal debt, I have never been late on payments yet Equifax chose to lower my score. They have now sent a letter saying they can not find my identity in their database. If that is the case why would they arbitrarily be altering my score? They are now asking for personal information such as a copy of my social security card after already being given my SSN and copies of utility bills which they are not entitled to at all. This has absolutely nothing to do with my identity and everything to do with their shady practices for credit reporting. If my credit has changed why is my XXXX score going up while theirs is going down? Either they have faulty algorithms or they are just making it up. I suspect they are just trying to sell their credit watching tool XXXX on monthly subscription with false data.
Product: Credit card

Yes Ive maxed out my card again due to financial strain but when I paid it off they kept charging me me interest fees even though it was paid off. Like if I didnt use it hey charge me.
Product: Debt collection

I have a medical bill in collections in the amount of {$8000.00}. At the time service in XX/XX/2019 I had private insurance but the hospital insinuated that I had zero medical insurance. Now that hospital sent my balance to a collection company. So I am being charged for a medical bill that is affecting my credit scores.
Product: Credit reporting or other personal consumer reports

Attached is an IRS accepted 1099A, that was filed on my account with GM Financial. The IRS has accepted receipt of this 1099. The following account has been paid in full and this should be reporting paid as agreed with a XXXX balance and no negative remarks or delinquent payments. I am demanding that this account be updated to the paid in full status. The IRS has accepted that the borrower was personally liable for repayment of the debt.
Product: Credit card or prepaid card

The following debt collection agency Portfolio Recovery Associates , LLC has not validated the debt they are also not licensed in the state that they reside in according to XXXX XXXX XXXX this means they are collecting debt illegally also this debt is reporting to an address located in XXXX XXXX XXXX XXXX XXXX FL XXXX I am not associated with this address
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report. 
On XX/XX/2020, CAPITAL ONE AUTO FINANCE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

XX/XX/2015 Collection Management in XXXX XXXX, TN gave inaccurate information to credit bureaus about charges that were paid. 
I sent numerous certified letters to their address with no response, I also sent the credit bureaus XXXX  AND XXXX. Iwant this deleted asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to each bureau on XX/XX/21 and as of today over 50 days later I have not received any notification of investigation. I feel like Im on a hamster wheel being transferred to someone else every time I called. I recently pulled my report and noticed a few inaccurate items, in my research I saw it is illegal to report inaccurate items per FDCPA. I also learned that my information was compromised by the XXXX data breach. Now more than ever I believe my information may have fallen into the wrong hands. Your timely assistance in this matter ill be greatly appreciated.
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit.Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liabilityIn multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

1. This account payment history is and error and in violation under 15 U.S. Code 1666 ( b ) billing error XXXX Account Number : XXXX Update to Paid on time on payment history and never been late Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data.

Please make all listed below update or deleted in my credit report!
Product: Credit card or prepaid card

Complaint Description : In XXXX of XXXX, my wife and I went to the XXXX XXXX XXXX in XXXX Ohio listed in above address. I suffer from a XXXX XXXX condition and my wife has a XXXX on the foot. Both conditions produce foot pain. 
On XX/XX/XXXX, I and my wife were evaluated by the male staff person. He said that XXXX XXXX was a Medicare provider, and that he was going to diagnose my wife and my foot condition. 
He informed us that Medicare 80 % of costs, and our XXXX XXXX XXXX would cover the remaining costs. 
Next, the XXXX staff person said he would diagnose our feet to determine the our condition and prescribe orthodics that would address our respective foot conditions. 
Based on XXXX staff persons diagnosis, he prescribed orthotic inserts for my wife XXXX XXXX and myself : The staff person that waited on us examined our feet and diagnosed the need for the following inserts : Model numbers XXXX, XXXX, XXXX. 
XXXX XXXX  representative informed us that Medicare and XXXX XXXX XXXX XXXX XXXX would cover 80 % of costs ( {$1500.00} ) for Claim. Our portion would be {$380.00}. 
XXXX podiatrist said that the Care Credit Card would cover the {$380.00} expense for both my wife and I. 
XXXX XXXX instructed us to wear the three inserts, the most extreme for as long as tolerated, then wear the next level insert as tolerated, and then wear the lest rigid and less painful the rest of the time. 
After wearing the inserts for ten days, and our foot condition became more painful. I called XXXX and spoke with a woman on named XXXX. I told her the XXXX XXXX prescribed our inserts orthodics but the pain of wearing the three different inserts as instructed had made our foot pain worse for my wife and I. I requested a refund. 
The staff person, XXXX, said we could not get a refund because they were expressly designed for our respective foot conditions. 

On XX/XX/XXXX, since we had 60 days to dispute charges for these unacceptable goods, we requested Synchrony Bank to cancel this order Immediately and stop billing us. According to Federal Law, Synchrony Bank is required too investigate and cease payment until this fraud is resolved. 

Synchrony Bank never investigated our dispute for these fraudulent shoe inserts. 

On XX/XX/XXXX, Synchrony Bank 's attorney issued a Summons in Civil Action from XXXX XXXX XXXX XXXX, XXXX, Ohio Case # XXXXXXXX XXXX XXXX XXXXXXXX. Synchrony Bank is requesting we pay $ XXXX That we are required to serve upon the Plaintiff 's Attorney, or upon the Plaintiff, if he has no attorney and the court, and answer within 28 days ( By XX/XX/XXXX ). 

Please help. 
Respectfully, XXXX XXXX
Product: Mortgage

Mortgage contract states a XXXX late fee will be charged if payment due on XX/XX/XXXX is not received in TEN ( 10 ) days ( which is by XXXX ) Ditech is charging a XXXX late fee on the day AFTER the payment is due. ( XXXX ) My billing STATEMENT still says a XXXX late fee charged on late payment on the top right corner. 
Why are they charging XXXX if payment is ONE DAY LATE BREACH OF CONTRACT Also online account info shows current when paper statements reflect past due because they bill the paper statements for the next month before the current month is even due, making the consumer " appear '' as tho they are past due so this company can falsely report delinquent.

Also over payment are being put into an " UNAPPLIED amount, then the next month I get ANOTHER late fee even tho I OVERPAID the month before!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX : {$2600.00}