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

My account with XXXXXXXX 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 XXXX AND XXXX 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 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 Update the late payments to paid as agreed.
Product: Credit reporting or other personal consumer reports

After many unsuccessful attempts at advancing Experian XXXX XXXX credit bureau pertaining to the fraudulent trade lines reporting on my credit report. They refused to comply with FCRA 605B advising me that I am not providing sufficient proof. I have enclosed my FTC report and enclosed the Police report pertaining to the identity theft, along with my identification.
Product: Debt collection

Right now I owe a big chunk of funds to the IRS for taxes, and I am trying to collect as much money as possible to pay them, so I am late on my payments with my XXXX credit card. The company closed my account, and they call me throughout the day to talk about my card balance. I have repeatedly informed them of my situation and let them know that I can pay only around {$25.00} until my taxes are paid. 
I understand that the balance needs to be paid. My payments are due on the 21st of each month and I have continually spoke with someone each month about my situation. 
The last time I spoke with an agent was on XX/XX/2018. In the phone conversation, I informed her of my situation. She repeatedly asked to to pay a over {$90.00}, which I informed her at this moment could not happen. I told her that something would be paid. Last month in XXXX I paid {$25.00}. Then I asked will they continue to call me throughout the day like they do, and she apologized and told me no, not until after my billing due date, which is on the XXXX of XXXX. She also let me know that she understands my situation, which the other agent said the same in XXXX. No other resolution was presented. 
The calls are throughout the day, at least 4 to 5 times during the day 9-5,  have began again as of yesterday. I did pick up once, and the person on the other end hung up the phone once I spoke. Today as of XXXX XXXX, I have been called 3 times. Plus I get calls from other phones numbers that are similar to mine. I believe that it may be from the XXXX company as well, routing the call so I would pick up the phone. They told me I would not receive a call from them until after XX/XX/18. I would rather not receive a call at all, especially if they continue to harass me..
Product: Credit reporting or other personal consumer reports

My closed and repayed loans are now causing my credit score to go down. I have disputed this and have the screen shots of the loans saying repayed and closed as well as the 2 currently open saying in good standing. This issue has brought my score down significantly in the past month.
Product: Credit reporting or other personal consumer reports

I want to remove collation on my credit report Company Experian I want to remove collection
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be corrected and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 or other personal consumer reports

My account with AFFIRM INC was never late! I have had exceptional payment history with AFFIRM INC 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 XXXX  2022 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 XXXX  days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 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 reporting, credit repair services, or other personal consumer reports

I recently submitted back towards the end of XX/XX/2020 early XX/XX/2020 a Identity theft affidavit ( # XXXX ) ( to XXXX, Equifax, and XXXX who was also included along with the affidavit ; a copy of my drivers license, social security card, and a recent copy of a utility bill. The Affidavit included specific detailed information relating to fraud related accounts due to identity theft which were XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX, and XXXX. XXXX  and Equifax  both failed to adhere to section 605b of blocking fraudulent information after being notified within 4 business days by a consumer. In addition XXXX  failed to investigate my dispute by responding with report # XXXX for XX/XX/20 stating they are declining my request and would require a copy of an identity theft report, drivers license, and social security card which is THE SAME INFORMATION THAT I SENT TO XXXX   WITH BOTH OF MY INITAL DISPUTES. This clearly violates section 609 and 611 of the Fair Credit Reporting Act and is a deliberate refusal to honor my request. Yet it has beyond 30 days and these fraudulent accounts still remain on my credit file which is against the FCRA guidelines. Due to the numerous violations these fraudulent related accounts should be removed immediately from my credit report from collectors as well as the bureaus.
Product: Money transfer, virtual currency, or money service

I've sold some crypto currency using https : XXXX  a peer to peer exchange site. The trade uses a smart contract which automatically sends my money to the trader once I confirm receipt of the funds. 

I made a trade with user XXXX XXXX  '', sent them my zelle email address which is XXXX and they sent me the money which I've received and released the cryptocurrency from the escrow. 

A month later I receive a letter from bank of America who took back the XXXX $ from my account due to some undisclosed dispute by XXXX XXXX XXXX. 

I've contacted bank of America and they say it isn't possible to further dispute, and that they would close my account even if I have trusted history proof of our trade and full conversation transcript and the currency being released on my side. Local cryptos also offered to give them the user 's information. 

Further more, I've contacted local cryptos and they offered to give legal authorities the information on the trade and fraudulent bank user at XXXX This is one of multiple instances, i believe i was targeted by the same user, but since the chargebacks were made months later i didn't realize it was fraud until i lost about XXXX XXXX $ Since then i have been unable to pay my credit cards and bank of america closed my accounts so i can't even access my checkings history properly. 

I've attached all my transcript with the different zelle users as well as my complaints to the XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received a notification fromXX/XX/XXXXand XX/XX/XXXX that SYNCB/PayPal pulled my credit report. I have a PayPal account that I rarely use and I have never applied for credit with them. I logged into PayPal to see why this may have been done. They do not have my SSN so I am concerned as to how they were able to do this. I want to note that I am opted out of prescreened credit offers as well. I called PayPal and spent one hour trying to resolve the matter. I was bounced around many times until finally someone stated they do not know why this was done. They do not have any credit applications for me. They suggested I submit a complaint via PayPal 's website under " Resolution Center ''. I tried to do that. When I tried to " report a problem '' it gives me a list of transactions I've conducted. I'm not trying to dispute a transaction! I'm trying to find out why they ran an inquiry on my credit without my permission and without my SSN. I've tried finding an email address through their website but have been unable to. The experience with trying to get this resolved through PayPal was absolutely horrible and the entire situation is unacceptable. I am in the process of disputing it through the credit bureaus.
Product: Debt collection

- Letter dated XX/XX/2019 requesting Validation of Debt sent to LVNV - Response letter dated XX/XX/2019 with an account summary as Validation of Debt. 
- Response letter dated XX/XX/2019 with an account as Validation of Debt - Another letter dated XX/XX/2019 requesting Validation of Debt not an account summary. 
- NO RESPONSE FROM LVNV
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed late payments on my credit report that was placed by XXXX  XXXX XXXX, they placed ( 2 ) 30 day lates that were inaccurate. They illegally changed information so that they would not have to do what was right. I then did a CFPB complaint which The three credit bureaus ignored and continue to let this negative information harm me. They are violating my rights I demand to be compensated {$1000.00} per violation from TransUnion XXXX XXXX and XXXX XXXX XXXX. 


Attached are receipts of payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting misleading information on my credit report i have no acknowledge of these account or seen them before please remove these accounts asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Start - XXXX XXXX - I never went to college
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Inquiry on report Title 15 1681b Did Not have my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never Applied for any loans with XXXX  or never did I used their services. I am a victim of identity theft, and these two XXXX  accounts keep reporting on my credit file. Which is violating my rights under the Fair Credit Reporting Act 15 U.S. Code 1681s. I have contacted this company XXXX and they told me the person only needed the last 4 digits of my social security number to apply for credit which is insane. I explained to the agent I spoke to with this company XXXX  that I never applied for an XXXX  account and this is unauthorized and fraudulent on my credit profile. The agent with XXXX  told me that this account will be removed off my credit profile within 5 days and it's going on over four months and they are still reporting. As an Identity theft Victim, under the 609 ( e ) of the FCRA I am entitled to a copy of the transaction records which I have requested and still did not receive anything from XXXX. I have reported the theft of my idenity to the Federal Trade Commision and will be seeking statutory damages.
Product: Debt collection

I have no business with this company called LVNV Funding. I have no knowledge of this account. I have requested the application with my signature and the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCT NAME - XXXX ( XXXX BRIDAL ) ACCT NUMBER - XXXX ( AS SHOWN ON EXPERIAN ) XXXX has violated my rights. 

Opened account XX/XX/2019 XXXX XXXX {$1200.00} Acct. Charged Off {$1500.00} Filed a Dispute with Experian regarding the negative/chargeoff reported. XXXX did nothing, and all the info stayed the same. 

15 U.S.C 1681 Section 602 A states I have the right for 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.

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 items of information, other then records of convictions of crimes which antedates the report by more then 7 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. 

** XXXX XXXX was were I selected a wedding dress for the upcoming wedding. The dress was ordered. No alterations were needed or done on the dress. The wedding was cancelled. The dress was NEVER picked up. Any accessories purchased earlier were returned/not used. The dress was never even looked at, much less taken. It hadn't been altered either. XXXX XXXX was still trying to charge me for the dress I had selected, but had never picked up. No matter who was talked to, they would not alter what was shown on my credit report. They wrote off my account that was never used, so should have had nothing due on it. The account was never used since then again. My credit has been bad due to this incorrectly reported information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Outsource receivable debt collector for XXXX XXXX. With full knowledge that I'm a victim of identity Theft and that I'm not responsible for their errors in posting deposits on checks written to me for sale of my property, saying the checks cleared and I can withdraw funds as needed!!!! Later starting investigation, having the police speak with me, finding I'm the victim of a scheme. Then contacting the bank, being promised the debt will be CANCELLED.!!!! None of the above was ever done clearing MY NAME. WHICH IS VIOLATION OF MY CIVIL RIGHTS,, INCLUDING THE 8TH AMENDMENT.!! I NEED HELP SUEING ALL PARTIES.!!!! TRULY, XXXX XXXX XXXX
Product: Credit card

I rented a car from enterprise for XXXX weeks or so, my credit card is a secured credit card that i opened with XXXX dollars which means i can only spend XXXX at once. For that reason instead of paying it monthly i have to pay the car weekly. I payed everything to enterprise in small weekly payments how ive always done but this time i got a XXXX charge from enterprise rent a car ( XXXX ). bank of america left my card overdraw. I called XXXX  to ask if they charged me twice by accident but they said everything was paid for. And they did not know why the bank was charging me that but that i have no debt with them. After that i called the bank and explained them the situation, I can not make a payment of XXXX because I only have XXXX in my card and the representative agreed with me it was very strange, they transfered me about 6 times to 6 different representatives, not any of them helped me, one of them even hanged up the phone after making me wait for 30 minutes. The last representative that i talked to told me the bank was investigating my case but its been weeks and still no answer from the bank.
Product: Checking or savings account

In XXXX 2022, I was contacted by Truist Bank ( recent consolidation of Suntrust and BB & T Banks ) and informed I was in six months arrears with my car loan payments. My initial vehicle loan was via Suntrust Bank in XXXX 2020, at the time of my vehicle purchase. From the time of my vehicle loan in XX/XX/XXXX2020 to XXXX 2022, I was ahead on my monthly payments. At times, I was doubling my monthly payments. Every month during this time period, I was receiving notices from Suntrust Bank that I was ahead in my loan payments. 

However, in XXXX 2022, the automatic draft payment did not happen. Thus, sent my account into arrears. According to Truist Bank, the automatic payments didn't draft for XXXX and XXXX, but miraculously re-activated in XXXX 2022.To my knowledge, the drafts were happening, and I was not notified of the arrears until XX/XX/XXXX2022 via US Postal Service letter regarding owing Truist Bank on my vehicle loan. 

When I spoke with the supervisor, he cited a D.C. statute ( he could not cite the specific codes, but cited Congresswoman XXXX XXXX XXXX XXXX bill which recently became law ) which in essence, states ( and I'm paraphrasing ) that Truist Bank would be fined {$10000.00} for harassment for contacting me as a District of Columbia resident regarding my bill. I responded that this made absolutely no sense. If they had checked my account, they would see I had not been in default nor late with my payments. As a result, Truist Bank could not contact me because of this " recent legislation. '' I asked the supervisor how is it that in light of this " legislation, '' I was contacted via letter in XX/XX/XXXX2022 and not in XXXX 2022 when the first payment didn't post? Silence. I also asked the supervisor if perhaps the Truist Bank 's conversion software from Suntrust/BB & T Banks to Truist Bank may have been the culprit in the interruption of my payments. The merger of the two banks on the part of the information systems have been horrific according to national and banking news reports. 

Lastly, I called Congresswoman XXXX 's office to find out about this " DC statute '' because I couldn't find a record of it. Her staffer couldn't cite the statute and suggested I submit a complaint with CFPB.
Product: Debt collection

This company has been calling me 3-4 times a day every day since XX/XX/2018. The calls are so annoying i installed a call blocking app called XXXX XXXX to automatically hang up on them to keep my phone from ringing all the time. 
And if it doesn't stop or get resolved properly I intend to speak with a local consumer protection attorney and file suit for FDCPA and TCPA violations.
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 XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

1

5 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 card or prepaid card

American Express advertised a welcome bonus online, the reward was in the form of points. 

I met the qualifications of the welcome bonus, however, was not awarded the points. 

I filed a claim with AMEX, and they did not give me the points. 

I filed a claim with CFPB, see attached response letter from American Express. 

AMEX admitted in the attached written response, that over the phone, their employee, a representative of their company, that I would receive my points. 

" Regrettably, we found an instance where we told you that youd receive the bonus MR points in four to six weeks without confirming that there was no welcome offer on your account. '' They are not standing behind what they advertised online and they are also not standing behind what they admitted their employee promised me.

I want AMEX to make things right, and give me what was advertised on their website, and what their customer service rep promised me over the phone, which they admitted to, in writing, on the attachment.