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

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

Company refuses to give me a monthly statement. They put me on XXXX Statements but no longer offer a pdf of the statement. Only offer XXXX spreadsheet. I am entitled to a monthly statement.
Product: Credit reporting or other personal consumer reports

At this time, I ask that any fraud alert that exists on my credit bureau to be lifted at once. I never requested one, and it was placed by a third-party without my complete approval and authorization. Please remove at once. 

I am at this time requesting my free annual copy of my credit report as mandated by the Fair and Accurate Credit Reporting Act. 

Please send my free credit report to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Social Security # XXXX XXXX : XX/XX/year> Thank you for your cooperation and consideration in this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am experiencing continuing service problems with PayPal. 
Problem # 1 - adding a bank account. The attempt produced a repeatedly consistent error message and I was asked to " contact Customer Service ''. " Customer Service '' is an offshore operation comprising of automated " Virtual Agents '' offering no help except quotes from the online FAQ, and after several messages from these " Virtual Agents '' you eventually get an actual person who usually communicates in broken English and is not much better. Summarizing from the chat logs, I asked the Agent why can't I add a bank account to my PayPal account, and get a " try again later '' message. Agent replied " I see this action is being stopped by our internal security system '' and offered to " run verification '' by " texting my main mobile number on file ''. I DO NOT have a " main mobile number on file ''. Agent argued that I did - after I specifically REMOVED all mobile numbers from my account. After continuing useless conversation and several attempts to explain that my number is a landline, Agent asked if he can " text '' the landline. After I got upset at this complete and utter incompetence and told the Agent to go XXXX himself, he complained about " profanity ''. I don't want to hear complaints from sensitive " Agents '' about profanity, do your XXXX job and there will be none! It took three days to add the bank account. Problem # 2 - adding money from the already confirmed bank account. Again, an error. " There is a problem adding money from your bank account, please contact us ''. Again, the " Agent ''. Agent sent me a broken link, advised me to " try different browser '' and " wait 24 hours '', among other useless informaton. After this - same error. Then, again, the sensitive XXXX complained about profanity and finally said " our system has determined that something about this specific transaction is a potential risk and we are not going to allow it to go through ''. All this about a simple transfer of less than a hundred dollars from a confirmed bank account to a working PayPal account I have had for 20 years.
Product: Debt collection

I received a letter from XXXX due to a change of address which was mailed to an address i do not know nor ever resided at, which stated an debt was owed for service, multiple cell phones and a watch. I went to store in which i was told by a manager the account was opened at an store in the area that was being investigated for fraud and the account has multiple names listed on it. After this i started being contacted by Receivables Performance a collection agency telling me i owe the amount of {$2200.00}. The collection agency has been contacting me at my cell phone number that i have had since mid 2019, that service was started with XXXX then changed to boost moble and been with every since. I was told by Receivable Performance the account could not be a fraudulent account because someone had previously paid on it. However they would not provide who, where, or how it was paid. Ultimately i did not open this account, nor gave anyone permission to do so. address associated with the account i never resided at
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy credit report with XXXX XX/XX/2022 and after receiving a copy of my report, I called your department because I saw some UNVERIFIABLE account on my personal profile ; I noticed that there was a CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time on my personal profile on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off from my personal profile. A copy of my Utility Bill, drivers license, and Income Tax Return are all included in this written request. Please check payment history, date open, last activity and Status of DISCOVER FINANCIAL SERVICES LLC Account XXXX I believe it was
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cant Link my Business account which I need to do to fill out a Grant Application
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 items : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently just paid for a copy of my credit reports. upon looking at all of my reports. I noticed that all the three credit bureaus do not match. From the best of my knowledge, all the information reporting with these bureaus should match if they were properly verified as they have continued to state. Also, I'm aware that a collection/charge offs is by default a closed account. 
XXXX XXXX XXXX ACCOUNT XXXX IS REPORTING ON EXPERIAN AS CLOSED YET ON XXXX AS OPEN. AND ANOTHER MAJOR DISCREPENCY IS THAT ON XXXX, THE DATE OF THE ACCOUNT BIENG OPENED VS THE DATE ON THE LAST ACTIVITY. THIS IS A HUGE INACCURACY. 
XXXX XXXX, ACCOUNT NUMBER:XXXX THIS PARTICURLAR ACCOUNT REPORTS INACCURACIES ON THE LAST DATE OF ACTIVITIES ON ALL 3 BUREAUS. AND ALSO, IT REPORTS DIFFERENT PAYMENT DATES ON THE CREDIT BUREAUS. I ALSO NOTICED THE HIGH BALANCE AMOUNT IS DIFFERENT IN ALL THREE CREDIT BUREAUS. I HAVE ATTACHECHED A COPY OF MY REPORT AS EVIDENCE. 
XXXX XXXX, ACCOUNT NUMBER:XXXX. 
THIS ACCOUNT REPORTS CLOSED ON EXPERIAN REPORTS OPEN OF XXXX. THIS IS A HUGE DESCREPENCY. THE HIGH BALANCE REPORTS ON EXPERIAN AS {$5600.00} WHILE IT REPORTS ON XXXX AS {$0.00}. THIS ACCOUNTS LAST DAY OF ACTIVITY DOES NOT MATCH BETWEEN XXXX AND EXPERIAN.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. If you cant provide my handwritten signature or a proper debt validation with me authorizing the rights to sell my information to a debt collector I demand this be deleted. I am not responsible for the debt.
Product: Bank account or service

I opened a checking account with CitiBank on XXXX/XXXX/XXXX in response to a promotion that I had received. The promotion said I could earn {$400.00} by depositing {$15000.00} and maintaining that balance for 30 days and keeping the account open for 90 days. I decided to close the account on XXXX/XXXX/XXXX ( 99 days after opening it ). I called Citibank to close the account and confirmed that I had met the requirements to receive the promotion. When I received the close-out check, it did not include the {$400.00} promotion. I contacted Citibank which told me that I had met the requirements and that the promotion had been set to be credited the day that I closed the account, but by closing the account, I could not receive the promotion. I escalated my call to a supervisor who forwarded my complaint to a department. This seems like a classic bait and switch. I funded the account with the required amount of money for the required amount of time and yet Citibank has not upheld its commitment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # 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: Checking or savings account

Hello on Friday XX/XX/2023 I reported to chime that my cell phone and pouch was stolen containing cards. I reset all my information, updated new number and sent in information to dispute any transactions that would come through. I even spoke with a representative in which I asked to block all merchants and turn transactions off XXXX reported all cards stolen. Today XX/XX/XXXX chime has closed my actions with no notice and also informed it will take 30 days to get My funds. I also have open disputes that they informed they will process. I need my funds all of my money was in those accounts.
Product: Money transfer, virtual currency, or money service

I fell victim to fraud or scam I thru an online vendor on XXXX. I paid thru cash app. After I knew I was conned I reached out, only to be ignored and casted aside. I then continued to explain and ask how such an entity as cash app/ XXXX could continue do business with such groups. XXXX never answered or even acknowledged me. And cash app ignored and disregarded me. L believe companies as such should have some ethics and liabilities for us the consumer.
Product: Mortgage

Loan Depot has denied and obstructed access to government programs for FHA homeowners who are struggling financially. There are multiple programs available to help homeowners who were negatively impacted by Covid. When we contacted Loan Depot to discuss options to help when we were struggling they simply told us to pay when we could instead of offering CARES forbearance, modification, partial claim or repayment plan. After we fell behind and missed a couple of payments we tried to call in to resume payments as their agents suggested. Loan Depot refused to accept our payment and told us we needed to pay all past due payments at once. We asked about options for help and their agents told us that we could not be considered for any options until we got caught up on the missed payments. We have found out from HUD that this is not a requirement and that their agents were not being truthful. Furthermore, we kept calling to discuss this issue and they told us sorry, you need to only communicate with us by email. Now they have started foreclosure proceedings against us. 

We bought our home in XX/XX/XXXX and we live here with our XXXXXXXX XXXX XXXX XXXXXXXX. My husband has worked as XXXX XXXX XXXX for the last 5 years and I have worked as the XXXX XXXX XXXX XXXX XXXX for 3 years. We started having financial problems a few months after XXXX. My hours at the XXXX  were cut and I got sick with XXXX two different times and had to miss work to recover and also quarantine. XXXX had his trucking routes disrupted at first due to XXXX XXXX protests ( he does routes to XXXX ) and throughout XXXX all the way into XXXX his hours were sporadic. Add in inflation and high gas prices and we burned through all of our savings because we wanted to make sure our bills and especially our mortgage was paid on time. Near the end of XXXX we were in dire financial straits and were hoping that Loan Depot would work with us, but were told instead to pay when you can. When we followed this advice we were told that they would no longer accept our regular payment and we needed to pay back the missed payments and current payment in a lump sum which we could not do. When we asked to be considered for options to help struggling homeowners with government backed FHA loans we were told that no help could be offered until we reinstated the past due payments. 

As a result of these misrepresentations by Loan Depot agents, we now find ourselves in the foreclosure process and approximately {$24000.00} behind on our mortgage. Our hardship was resolved in spring XXXX as we are both back to work full time and ready to resume our payments, but Loan Depot refuses to accept anything but full reinstatement to even consider workout options
Product: Debt collection

Lack of Verification : ** Despite my request Credit Control LLC has failed to provide substantive evidence validating the authenticity of the alleged debt. This lack of verification is a direct violation of my rights under the FDCPA. 2. **False or Misleading Representations : ** Credit Control LLC has made misleading statements and threats regarding potential legal actions and negative credit reporting. These actions violate the FDCPA 's provisions against false or deceptive representations. I Never lived or been associated with the address that was provided I am a victim of identity theft Also Ive been with XXXX XXXX XXXX  these past few years
Product: Credit reporting or other personal consumer reports

Equifax- XXXX and XXXX are providing information and have stolen my identity. I have asked them to stop reporting the Social Security Number as it is stated that if you are not a federal employee the social should not be provided and companies are providing the social and reporting inaccurate information as previously started my identity has been stolen and being used without my consent. The information on the report that they are saying is mines is inaccurate and if it is mines as they say it is I have the right to say what is there and not there. I have requested the attached information be removed and all HARD AND SOFT inquires be deleted and blocked and no inquiry should no longer be placed on the report. I am opting out of any further reporting unless I put it in writing that I want it to be placed in the public and or the private. I have full faith in credit and am not being afforded this due to my identity being misused. I am XXXX XXXX XXXX and I want all late payments - cars - Collections and all derogatory information removed and blocked within 3 days and I have sent this information 3 times and you still have it listed with all 3 companies who are misrepresenting themselves as Federal Government requesting the Social also they are all not giving full disclosure letting me know I can opt out- THEY ALSO HAVE A SECURITY FREEZE AND BLOCK ON THE ACCOUNT SO WHWN I CALL IN OR XXXX ONLINE I CANT GET ANY INFORMATION I WOULD LIKE THIS TAKEN OFF IMMEDIATELY They are using the report and my likeness for monetary gain then asking me to pay a monthly fee for them to monitor it when I never gave them authorization to do any of this and or collect information and or furnish data related to me. The FTC REPORT is once again attached and I have fully explained and let the SEC- FTC and CFPB IRS know that these 3 credit reporting agencies are gaining financially off of my Full faith in credit by stealing my identity and reporting inaccurate information.
Product: Debt collection

I am writing to demand that Genesis Credit immediately cease all attempts to collect on the debt they allege I owe. I do not recognize this debt, and I am formally disputing its validity. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), you must cease all further communication with me regarding this alleged debt, including phone calls, letters, emails, and any other forms of contact.

Demand for Documentation : In addition to ceasing all collection activity, I demand that you provide me with the following documentation to validate the debt : Agreement with Original Creditor : A copy of the agreement between your agency and the original creditor, authorizing you to collect on this debt.

Original Agreement : A copy of the original agreement or contract with the original creditor that clearly shows my signature, proving that I agreed to the terms and conditions of the original debt.

Complete Chain of Title : A full and complete chain of title on this account, detailing each transfer or sale of the account from the original creditor to your agency, demonstrating that you have the legal right to collect this debt.

Contract Confirming Debt Obligation to Your Agency : Any documentation that indicates I entered into an agreement with your agency, showing that I consented to pay this debt specifically to you.

Additionally, I advise you that the original agreement includes an arbitration clause. Therefore, any legal action or dispute involving this debt should follow the arbitration process outlined in that agreement. Continuing collection attempts without adhering to the terms of the original contract may constitute a breach of contract.

Violations of the FDCPA By sending harassing collection letters, calling me repeatedly, and reporting this disputed debt to the credit bureaus without a permissible purpose, you are in direct violation of several provisions of the FDCPA, including but not limited to : 15 U.S.C. 1692d Prohibition Against Harassment : Repeated calls and letters from your agency constitute harassment, which is strictly prohibited under this section.

15 U.S.C. 1692e False or Misleading Representations : Reporting a disputed and unverified debt to the credit bureaus may be considered a misleading representation, as you have no confirmed basis for collecting this debt.

15 U.S.C. 1692f Prohibition of Unfair Practices : Attempting to collect a debt without proper validation or verification of its legitimacy is an unfair practice under the FDCPA.

15 U.S.C. 1681b Permissible Purpose Requirement : Reporting this alleged debt to credit reporting agencies without a legitimate permissible purpose is a violation of my privacy and rights under the Fair Credit Reporting Act ( FCRA ).

Final Demand for Deletion and Warning of Legal Action If the alleged debt is not fully validated and documented within 30 days, or if it is not deleted from my credit report, I will pursue arbitration or file a lawsuit for your violations of the FDCPA and FCRA. Additionally, I will seek monetary compensation for damages caused by your unlawful and harassing collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX ) I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card

Sync/ppc is located at XXXX XXXX XXXX XXXX, FL XXXX XXXX 
The customer service number for Syncb/ppc is ( XXXX ) XXXX.