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

My account with all those creditors 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.

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 reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX went to transfer funds from my XXXX account to my cash app account and accounts have been closed. No reason, called cash app they can tell me the reason. They offered me to appeal their discussion. Wrote in my appeal that day. No word and all i get told is its been escalated to the department. Can't open an account. That day also their server wouldn't let anyone transfer funds from any outside accounts. Cashapp doesn't care if people are remodeling their homes and supporting local businesses or turing ones life upside down because their servers, algorithm, and AI are not right. They only care about veg answers and untrained departments. I did not violate any one of their terms, nor any BSA, TITLE 31, OR SAR. Which none of their employees even knew what I was talking about. But I get the shaft.
Product: Credit reporting or other personal consumer reports

I opened this account using a mobile app. I also closed this account. They are reporting this account negatively. I do not owe them any money and closed this account properly.
Product: Payday loan, title loan, personal loan, or advance loan

I messaged them XXXX to ask about the predatory interest and he said nothing. 
XXXX I asked why they did bi weekly when I was told it was Monthly and asked for monthly contract. She said sorry he lied but I signed it and I asked for changes to the term and she denied.
Product: Credit card

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.

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. 1. XXXX-Acc # XXXX XXXX  phone number XXXX 2. CAPITAL ONE Account number XXXX Capital one address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX  Phone # ( XXXX ) XXXX I have also let both of creditors know that I fully disputed and will not be paying either of these bills and they still continue to report on my credit report I have been ignored
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX.

On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX  add a hard inquiry on my credit report per XXXX. 

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: Bank account or service

On XXXX XXXX, 2015, an elderly customer went into a local branch of Wells Fargo in XXXX, PA and asked the teller to transfer {$6000.00} from a savings account into a checking account. The teller, in error, transferred the money from the checking into a savings account. This action caused the checking account to be negative. On XXXX XXXX, the customer attempted to withdraw money via an ATM and was not able to because of the negative checking account balance. The customer went into the branch for assistance and that is when the teller error was discovered. The branch reversed what they did and that brought the account into the positive. The branch manager apologized for the error, assured the customer that fees had been reversed and the customer leaves. Later that same week, the customer attempts to take money out from an ATM and again, there was no funds available. The customer goes into the branch again to see the branch manager. The branch manager advised the customer that this issue was his fault. It was the customer 's responsibility to monitor his account on line and that it was his own fault that the transfer was done backwards and that had he reviewed his account on line, this would never have occurred. Then the branch manager lectured the customer to the benefits of paying bills on line. The reason the customer was not able to withdraw funds the XXXX time was due to the branch reversing their error, but never actually doing the original transfer. Upon reconciling the checking account, the customer discovered the transfer had not taken place and the funds were moved at that point. It was also found that not all of the fees incurred were not reversed entirely, but only partially.
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. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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: Debt collection

LVNV FUNDING LLC Acct # XXXX Collection account. {$1000.00} past due as of XX/XX/year>. 

I am writing to formally request validation of the debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive proof of the debt you claim I owe.
Product: Debt collection

XXXX of XXXX, docs done for You, XXXX XXXX and Monterey financial worked together by completing forms for me to lower my XXXX XXXX payment. the forms would be for two years but we can only mail in one year at a time. at a cost of {$1500.00} paying {$58.00} monthly. I have already completed one year and should have completed the second forms since the summer of XXXX. I continued to make payments until XX/XX/XXXX when I stopped on the suggestion of XXXX XXXX because they are no where to be found. I tried several times reaching out to them by telephone and writing. the only company I was able to reach was Monterey financial because they would normally take the money from my account. I explained to them what is happening and they told me that they can not help me. Yet, they are collecting money I don't have. I am left with a large monthly student loan payment and incomplete job done by this group. I am now being bombarded with telephone calls everyday to pay for this service that was not done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a open dispute with experian. I have mailed countless letters to experian about these unverified invalidated alleged accounts. These accounts are to be verified by law per TILA FCRA 609 ( a ) ( 1 ) ( A ) through the original signed consumer contract. Experian refuses to provide me with any and all documents used for validation and verification. Experian representative on call XX/XX/22 XXXX. has told me experian is verifying accounts through XXXX XXXX 3rd party data collecting services, funny thing is Ive already opt-out and did a total security freeze on any fraudulent information that XXXX XXXXXXXX has illegally obtained because I have never done business or signed any contract with XXXX XXXX to house or obtain any personal information. This is total conspiracy. Experian refuses to keep their honor with the people and thats to protect the rights of the consumer, to validate alleged accounts or inaccurate information. They are leaning heavily on a e-Oscar system for validation and verification that has shown to be obselete and damaging when fraudulent information has been put into the system. I demand to see all required documents used for validation on disputed accounts. Someone needs to be held responsible for this irreparable harm that this company is causing millions of people from negligence to do what theyve been illegally placed to do, to investigate validate and verify any and all complaints of the consumer about their consumer report. I demand to see my original signed contract from these alleged accounts from the creditors I have no knowledge of and any personal information that is not accurate needs to be removed immediately! There are laws in place for reasons Experian is not above the law!
Product: Credit reporting, credit repair services, or other personal consumer reports

My inquiry was supposed to be removed within 60 days yet it is still reflecting.
Product: Credit card

On XX/XX/XXXX I received an email with Avant Settlement Agreement - 3 pages - The agreement entered between me and Avant , LLC and reads that I am agreeing to make a settlement payment of {$760.00} on XX/XX/XXXX. Avant agrees to settle my outstanding balance in full of the condition that my Settlement payment is successfully processed within 5 days of the XX/XX/XXXX, and the payment is not returned. 

I made a payment with an Avant Collections Rep that recorded our conversation, promising me a letter or email once my payment cleared. Payment was made on XX/XX/XXXX for {$760.00} as stated in settlement agreement. 

I never received an email or letter from them. Instead, i received a statement that I had a new balance of XXXX and a minimum payment of {$180.00} and due on XXXX. 

I was told that my account was in review, and I should be contacted in a couple of days. 
I received an email saying, thank you for your complaint, we should contact you in a couple of days. 

XX/XX/XXXX - Received another statement with a balance of XXXX and a total minimum payment of {$360.00} due on XX/XX/XXXX. 

The agreement is in writing by them, and I was deceived twice, once with their email and then when I spoke with Avant Collection Rep. 
Now they are trying to collect more money from me after i paid the quoted pay off amount. 

I wrote the XXXX credit bureaus and i answered by XXXX, that there was a loan modification. A loan modification but I wasn't informed of it. Their statement don't read such modification.
Product: Money transfer, virtual currency, or money service

This company is Zelle and I've sent money out to incorrect person and I wasn't able to get my money back. I had Zelle on a previous phone number that I no longer have XXXX. I was with Zelle through XXXX and changed over to XXXX XXXX but after I changed phone numbers I went back to XXXX. I'd like to know how can I get the funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never applied for XXXX XXXX $ credit card in XXXX to XXXX. Someone else did this using my information.
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, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have a right to my 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

Hard Inquiry from called Banco Popular De Puerto Rico. I live in US, never applied for anything with this company. I just found it today when I happened to check my credit. This was done on XX/XX/2018 I did notice my credit score went down and why I checked it. 
I called their # and was told to call the credit company. I call them ( XXXX ) abd they state they cant remove or investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file complaint of the credit bureau delaying my request.. I have reach out to XXXX XXXX and experian I sent out disputes letters over a month ago and my file just being Investigated. The Inquiry that they said was verified and the account.. didnt reply back. The dispute I sent out they violated my rights 15USC 1681 604 section A,15 USC 1681 Section 602 ,15 USC 1681i they fail to send me the the description of the procedure of the investigation they ignoring my request my rights of privacy is also being ignored please please adress this matter Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Back on XX/XX/year> I sent in a letter asking the company to verify multiple Items listed on my credit report which were not verified. This is my second time reaching out and I want to do it through you guys here at the CFPB to ensure everything is handled properly. I will list two documents. The first document will be the initial letter that I sent back on XX/XX/XXXX and the second document is my follow-up letter to not getting my accounts verified.
Product: Debt collection

XX/XX/XXXX Acct # XXXX XXXX XXXX  I received a XXXX  XX/XX/XXXX I received a text stating that I owed {$720.00} with an acct # XXXX from Synerprise Consulting Services. Currently and at the time of service my private insurance company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Mortgage

dear sir, this letter is a response to you letter dated XXXX. 
XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX our request for proof of ownership of the alleged debt is been denied by wells fargo the servicer ..that raises serious issues of legality of the foreclosure on my property. 
on the motion of foreclosure you are the trustee of the alleged trust but you are claiming you have no responsibility or any authority over the alleged debt or loan. 
my question here is what are your duties as trustee in the alleged motion of foreclosure. 
you represent a remic trust that suppose own my mortgage or debt, you as trustee suppose have all records with related activities. 
i will request the involvement of the CFPB IN THIS MATTER, am asking AND REQUESTING a bank account were will show the alleged account when was purchased and iID. OF PURCHASER, YOU CAN NOT CLAIMING TO BE A TRUSTEES IF YOU DONT DO YOUR JOB AS TRUSTEE. 
also am requesting a record all related payments going to certicate holders and proof of existance of my debt in the alleged trust. 
the note does not show any signs the debt was securitized ... 
and i assumed was not.. no endorsement on the note from any entities involved in the securization process. 
XX/XX/XXXX also your involved in mortgage assignment that don't assign anything because no movement of fund is showing anywere. 
if you are a trustee for the alleged trust ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XX/XX/XXXX-BACKED PASS-THROUGH CERTIFICATES, SERIES XXXXXX/XX/XXXX REQUESTING FROM YOU RECORDS OF OWNERSHIP OF THE DEBT BY A WAY OF PAYING FOR NOT ASKING NFOR A REPORT AM ASKING FOR THE PROOF OF OWNERISH OF THE DEBT BY THE ENTITY YOU REPRESENT. 
DATE THE DEBT WAS PURCHASED CHECK OR WIRE TRANSFER ID NUMBER with loan number LOAN ACCOUNT WITH RELATED ACTIVITIES ON THE XXXX YOU CAN NOT REPRESENT A TRUST THAT DOES NOT EXSIT IF XXXX CAN NOT PROVE THE EXSISTENCE OF THE TRUST WITH RELATED ACCOUNT YOU CAN NOT LEASE YOU NAME TO FICTIONAL ENTITIES QAND NOT KNOWING ANYTHING ABOUT THE TRUST AND ABOUT THE ALLEGED LOAN. 
I WILL ESCALATED TO THE NEXT LEVEL WITH THE CFPB AND THE USA ATTORNEY GENERAL IF YOU CAN NOT FULLFIL MY REQUEST OR COMUNICATE WITH THE THE ALLEGED SERVICER WELLS FARGO IF THEY HAVE THE RECORDS OF DISBURSEMENTS TO CERTICATE HOLDERS OR THE RECORS OF PROOF OF OWNERSHIP OF THE DEBT./ THIS IS A SERIOUS MATTER, DONT PLAY WITH PEOPLE LIFE. 
GIVE ME THE PROOF OF OWNERSHIP OF THE DEBT.///
Product: Money transfer, virtual currency, or money service

As to what happened, I have described this in details including all documentation in the document attached called " Mail XXXX XXXX XXXX ''. 

My dispute with PayPal is described in details in the document : " Dispute History of PayPal Dispute XXXX '' and my further chat with PayPal is described in details in the document : " Chat with PayPal from XXXX to XXXX '' I am filing this complaint against PayPal, who facilitates financial transactions between dubious XXXX vendors who use a convoluted business set-up in the US leaving the American consumer with little to no chance of getting their money back because the business set-up used cuts the legal obligations between the XXXX XXXX and the American consumer, because there is a middle company between the American consumer and the XXXX company and this is unknown to the American consumer at the time of purchase. Use of the middle company in California seems to have no other purpose than to make it more complicated for the American consumer to deal with the aftermath and logistics when the products don't show up at all, are damaged or show up and are then not at a good quality. 

Furthermore, the American consumer is being lured into thinking that they are placing an order with an American company and not a XXXX XXXX, and the XXXX company XXXX Co exhibits deceptive marketing by advertising Father 's Day Hot Sales and then products are being shipped on a slow boat from XXXX and are delivered over a month after Father 's Day in the XXXX.
Product: Credit reporting or other personal consumer reports

Consumers personal information was involved with a data breach of over XXXX XXXX consumers personal information. Consumer requesting that an information reporting on my credit profile to be deleted within 4 business days pursuant to Fair credit reporting Act ( FCRA ) section 605b. Other Federal consumers rights violation includes 15 USC Section 1681b which states permission must be received by consumer to report my personal credit information. Accounts to be deleted are LVNV Funding account numbers # XXXX of {$720.00}, LVNV Funding # XXXX and all stated accounts listed on FTC Identity theft report.
Product: Debt collection

This is not my debt with XXXX XXXX XXXX, I have NEVER signed an agreement with this company/
Product: Credit reporting or other personal consumer reports

I Recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report. They are hurting my ability to obtain credit. 

-XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX -XXXX XXXX XXXX  Reported XX/XX/XXXX 2023