23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Amount : {$25000.00}. 
Please see attached for proof of claim. 

15 U.S. Code 1666b - Timing of payments U.S. Code XXXX is in violation of my federal rights by reporting late payments. ( 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. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 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, credit repair services, or other personal consumer reports

The following companies are closed accounts that are paid in full. On XXXX 2022 I disputed all companies that were over XXXX years old and requested an investigation to explain how they were able to reset the clock on the statue of limitation. The following companies have violated the laws of FCRA and failed to delete/remove their accounts from my credit file. Please, investigate my complaint and have the negative accounts that are hurting my credit worthiness for approval of credit deleted/removed or I will seek for monetary compensation for damages done to my financial well being. 
1- Bank of America {$500.00} 2- XXXX/XXXX, XXXX  {$600.00} 3- XXXX/XXXX, XXXX  {$100.00} 4- XXXX XXXX XXXX {$24000.00}
Product: Credit card or prepaid card

According to FCRA, Section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), and 611 ( 5 ) ( A ), you are required by law to have verifiable proof of any account you list on a credit report, otherwise, anyone with the ability to report to you could fax, mail or email in a fraudulent account. I never received any verifiable proof and the account still remains on my account.
Product: Credit reporting

XXXX XXXX is reporting that I have not made any payments on a joint account. This issue has been discussed with wells fargo by XXXX XXXX. The issue was supposed to be fixed, but wells fargo has yet to fix my information. It is so bad, XXXX sold the mortgage to bay view loans. XXXX has not notified anyone about it, yet they are already claming that they have had an account for us as of 2008 and that we have not made a payment and that forclosure notices have been sent. No information has been sent and the payment information is wrong. Again, all payments have been made on time through auto pay plans.
Product: Payday loan, title loan, or personal loan

I originated a line of credit with TD Bank on XX/XX/2017. Over 90 % of the payments made since the inception of this loan has included additional funds to be applied to principal payment. Most of the time when I mailed a payment to the XXXX XXXX processing center I would note on the check within the memo section to apply to principal, however in reviewing the payment history it does not show this was done. I have reached out to several representatives over the last three months to attempt to reach a resolution and no-one has been wiling to go over my pay history breakdown the application of my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my credit report shows that I have hard inquiries for credit cards that I did not apply for. The following are the cards I DID NOT apply for : 1. XXXX XXXX  - XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. Hsbc Bank Usa Na- JXX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX It is affecting my credit score and causing me issues to apply for other credit cards.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal cellphone account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1500.00} that appears related to the aforementioned cellphone account opened at XXXX. This account have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account and collection reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Mortgage

I am currently struggling to make my mortgage payments to my lender for a legit reason. I had a accident at my place of employment in XX/XX/XXXX and I did recover from it all and then I went back to work and was receiving very small checks from workmans compensation during this time period but not enough for me to make my payments. 
So in XX/XX/XXXX my lender SPS offered me a Trial Plan and i could not afford this either due to not being able to work at this time, I then went to apply for XXXX   XXXX and this is what i now receive today for income with a little help from my wife with her business she has but still not enough to make this affordable for me to able to stay in my home. I am also getting rental income and that is it. 
In XX/XX/XXXX I applied and i was approved for a RE Payment plan of payments that there is no way i can afford to pay. I then opted out of the repayment plan knowing the lender set me up for failure to not make such large payments to them for 12 mos ( see the attached agreement ) I then re applied again for mortgage assistance cause i am doing all i can to get a affordable payment for me with the income i am receiving now. I had been getting income from my daughter but she is no longer living with my wife and I. So i lost her assistance as well. Per the call to my lender SPS they told the 3rd Party AHR that they will not in any reopen my file for any mortgage assistance at all they will only give me liquidation options ONLY. that is it do short sale or Deed In Lieu and i want to keep my home in some way it can be more affordable to me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Accounts : XXXX XXXX XXXX  Number : XXXX Accounts : XXXX  Number : XXXX 15 U.S.C. 1681 section 602 A. States I have privacy 15 U.S.C. 1681 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person that shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from the following accounts or inquiries. Block and remove them. 
( 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 Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

EXPERIAN IS PRACTICING UNFAIR CREDIT REPORTING METHODS BY REPORTING INACCURATE INFORMATION IN MY CREDIT FILE.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

EXPERIAN IS AN ELABORATE MECHANISM AND IS VIOLATING MY RIGHT TO PRIVACY AS THE CONSUMER.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

EXPERIAN HAS ASSUMED THE ROLE OF ASSEMBLING AND EVALUATING MY CONSUMER INFORMATION WITHOUT MY CONSENT ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

EXPERIAN WAS UNFAIR, IMPARTIAL AND HAS NOT SHOWN RESPECT TO MY RIGHT TO PRIVACY.
Product: Payday loan, title loan, or personal loan

To Whom It May Concern : Ive heard about AFFIRM and tried to do business with them but EVERYTIME Ive applied IVE ALWAYS BEEN DENIED and I can never get a solid explanation even though its been the first time Ive appliedtried NUMEROUS times and been DENIED numerous timesI seriously think theres a problem there because Ive used XXXX, XXXX, and XXXX  ( formerly XXXX ) even XXXX worked with me. An investigation needs to be carried out and I need a response to this so if theres an issue I can proceed with legal options. Thank you for your time
Product: Credit reporting or other personal consumer reports

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

I have already filed an FTC affidavit and an accompanying police report for an identity card that was opened in my name at Bank of America. It was removed from the credit bureaus but for some reason, it seems BofA still has it on its book.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XX/XX/XXXX.
Product: Student loan

My private student loan ( through XXXX XXXX ) defaulted in XXXX 2014. I had lost my job in XXXX 2014, and I explained this to them. The loan was eventually bought by TransWorld Systems. I have a payment arrangement with TransWorld - {$100.00} a month is automatically deducted from my checking account. This arrangement has been ongoing for over a year. For the past month, I have received repeated calls from TransWorld - a XXXX XXXX. Sometimes he leaves a messages ; sometimes he breathes into the phone. I want this communication stopped. XXXX XXXX previously suggested I borrow the money to satisfy the debt to TransWorld. Numbers he has used are : XXXX ; XXXX ; XXXX ; XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/XXXX I identified discrepancy 's with my credit profile and the accounts that you are reporting. I have requested for these accounts to be reviewed to ensure that everything was reporting 100 % accurate. I also requested validation of these accounts. I reviewed my credit report again on XX/XX/XXXX and to my surprise, the accounts continued to reflect on my credit report inaccurately and I did not receive any correspondence from creditor to validate the accounts. The accounts were not updated to reflect that they were disputed and therefore, another letter was sent requesting an investigation. 2nd letter was sent out on that day. After reviewing credit report again on XX/XX/XXXX there have still been no updates and the accounts were still reflecting on the report inaccurately. I continued to send out letters monthly to try to correct your reporting errors and the only update provided is " Account previously in dispute- now resolved by data furnisher ''. My concerns are not being addressed after multiple attempts to have my profile corrected and the accounts continues to negatively affect me. Please remove the following accounts from reporting to the bureau until adequate validation has been received proving that all information is 100 % correct. XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I received a debit card from XXXX as part of a class action settlement- and it had an expiration date on the card. My recollection is that the amount of the settlement was approximately {$55.00}. I had not used it by that expiration date ( approx 1 year ) and then Bank of America charged a fee of {$55.00} dollars as a " closing fee '' and consumed the entire settlement without any notice to me or agreement to such a fee by me. 

I believe this must be illegal. I tried to get this resolved with Bank of America but they could not even provide me with an address to send a letter of complaint. I was on hold for about an hour, each time they would come back on the line and apologize for the wait, and then put me on hold for another 10 minutes. Just trying to get the information to register a complaint with them was impossible. 

Hence, this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I relieved a letter today from XXXX XXXX XXXX XXXX XXXX, dated XX/XX/17, stating my recent application for a XXXX  XXXX XXXX XXXX credit card, which is issued by wells XXXX XXXX XXXX XXXX, was denied. The problem is I have never filled out an application for this credit card, or any other credit card for that matter. I never authorized anybody to run my credit score, nor did I ever fill out any applications from XXXX XXXX XXXX. 
The credit agency that ran my credit without my approval is TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX, XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX  XXXX 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 ( MONTHS REPORTING LATE ) 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 XXXX, XXXX, XXXX 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: Money transfer, virtual currency, or money service

Paypal Close My Account For No Reason. I checked there users agreement and there is nothing that I would have done and checking my activity I am no wrong even they close my account .I earn money after hard working over 1 month. I lost my whole money. I try to contact to paypal customer service many time but didn't got any response. I open my paypal account via this XXXX  id ( link with my paypal account ) XXXX.
Product: Money transfer, virtual currency, or money service

Got a call supposedly from Bank of America that someone was trying to send a XXXX for {$1400.00} from my account. They transferred me to XXXX which was supposedly the XXXX XXXX department. They ask me to create a contact and gave me a code to supposedly cancel the {$1400.00} transfer but the code was an amount to transfer money. Fortunately, I realized that and called the bank and they confirm that it was a scam. 
I contacted them back and they were laughing because they said that there is nothing thw authorities can do, I hope they are wring and that no one else falls a victim of this scam,
Product: Money transfer, virtual currency, or money service

Paypal closed my account and my customers want me to refund their money but PayPal always replying with automated messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

OPPORTUNITY FINANCIAL XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2018 Responsibility Individual Account Account Type Installment Account Loan Type UNSECURED Date Updated XX/XX/2018 Payment Received {$270.00} Last Payment Made XX/XX/2018 High Balance {$800.00} Pay Status Paid, Closed ; was Paid as agreed Terms {$0.00} per month, paid Weekly for 9 months Date Closed XX/XX/2018 Remarks ACCT CLOSED DUE TO REFINANCE ; CLOSED
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account : XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Mortgage

My mortgage company is Ocwen. I have had an ongoing dispute with them for over a year and since my mortgage amount was being disputed by me they refused to accept my payments unless I agreed Ocwen was correct. I filed a complaint with CFPB and XXXX XXXX 's XXXX. Ocwen finally responded to me, CFPB and the XXXX 's XXXX. Their response has generated a new issue and this is why I'm making a new complaint. 

Ocwen is treating my mortgage as if were a negative amortization loan. My home has never had a neg am loan. Furthermore, their response stated that this loan had an interest only feature. It does not. It is a fully-amortized loan. They are calculating the balance of my loan and my monthly mortgage payment as if it were a neg am. They refuse to admit my mortgage is not a neg am and still refuse to accept my mortgage payments because I will not agree to this. As a result, I'm hiring an attorney to resolve this issue.
Product: Money transfer, virtual currency, or money service

I made a transaction for {$120.00} on XX/XX/2023 for a service on Cash App and the money was taken from my bank account, yet the person on the other end claims they never received it. I wanted to open an investigation on my end, but Cash App refused to let me do so. They just kept saying the funds were sent successfully. And if the person was lying and they did receive the funds, I have proof that they claimed they didnt receive the funds. They wouldnt even look into the possibility that their system may be flawed, or that I truly was scammed.
Product: Credit reporting or other personal consumer reports

This is my refilling of complaint to WELLS FARGO CARD SER for allowing fraudulent inquiry on my credit report and it seems they are not taking action on my this very alarming concerns of mine. As I checked my recent credit report, the unauthorized hard inquiry since I never authorized any of thee company and reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX