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

My account with the XXXX and i 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. 

This company 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

I believe that it was a mistake to close my PayPal account.I am using my PayPal account for my online business. ( XXXX XXXX ) My PayPal account ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes.And I'm hoping that it will get back my account and able to withdrawn my funds. 
Thank you and Godbless.. 

{$130.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX 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: Money transfer, virtual currency, or money service

I signed up for a venmo account today. After signing up with personal information, I attempted to add a debit card to the account. Due to an issue on their side, the payment did not process. I verified with my bank that my card was working correctly. Because the payment failed, my account was suspended. I then talked with a customer service agent at ( XXXX ) XXXX. They informed me I must provide a copy of my photo ID in order to unsuspend my account. Because of this, I informed them I just wanted to close my account as I am not comfortable with providing a copy of my photo ID through the application. They refused to close my account with a picture of my photo ID. Their app does not require a copy of a photo ID to create the account, and should not require it in order to close it. I just want it closed so it isn't out there for potential fraud. I never even completed a transaction on there, including any loading or unloading of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE ACCOUNTS. UNDER 15 U.S. CODE 1681C-2 THE ITEMS SHOULD BE BLOCK AND REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY RAN MY CREDIT AND NOTICED THE BELOW INQUIRIES SHOWING ON MY CREDIT FILE. THESE ARE NOT MY INQUIRIES, SO PLEASE DELETE THOSE INQUIRIES UNDER, INQUIRIES TO DELETE. 

I HAVE NEVER BEEN LATE ON ANY OF MY ACCOUNTS. I NEED THE BELOW ACCOUNTS UNDER ACCOUNTS TO AMEND, TO BE AMENDED IMMEDIATELY TO SHOW NEVER LATE. 

ON XXXX, XXXX, XXXX I HAD MAILED A DISPUTE LETTER OF THE BELOW INQUIRIES TO BE DELETED AND SOME ACCOUNTS TO BE AMENDED. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS, AND NOW YOUR COMPANY IS IN VIOLATION OF THE FCRA GUIDELINES FOR THE 3RD TIME REGARDING INVESTIGATIVE RESULTS REPORTS RESPONSE DEADLINES
Product: Credit reporting

I had checked with XXXX on XXXX XXXX as I prefer to stay on top of my reports and then again on XXXX XXXX to find that I had over XXXX inquiries. My signature is not on any of these authorizations except XXXX I did not give my permission. I had called and spoke with numerous representatives who just assume hang up on you or tell you repeatedly that they can not help you with the Inquires. It also tell me that no one was affected by the glitch which was on all new channels even with proof in hand and they flat out absolutely refuse to connect with supervisor or anyone in the American offices to handle this matter per your request after XXXX + calls I gave up None of the reps were remotely helpful or even knowledgeable some knew and some would more or less say it sucks to be you and too bad
Product: Credit reporting or other personal consumer reports

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are still open/in use and not fraud. If it was submitted to be it was by mistake. Company will contact for update soon XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX account is to be still Open This was not apart of the fraud on my account they just bunched it in. Please change the status with the bueros and make my card usable asap. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXl XXXX account is still Open This was not apart of the fraud on my account they just bunched it in. Please change the status with the bueros and make my card usable asap. 

Letter with copy of Social and ID were sent XX/XX/2022 with info to all companies/bueros
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an alert that a XXXX card was closed. Also received a letter from them. Called to discuss why. Was told that because I stopped a payment of XXXX last month my account would remain closed until I pay of the entire balance of XXXX but I have been paying them monthly as I was supposed to.
Product: Mortgage

Complaint # XXXX-XXXX This complaint was submitted and Wells Fargo responded after requesting additional time. The response was the same as usual ; " we reviewed, the applicant does not meet our program guidelines '' without ever describing the specific program guidelines, income required or any thing else that would give me the opportunity to say, here, I can do that. 

In XX/XX/XXXX there was yet another report ( XXXX ) about a Wells-Fargo foreclosure nightmare. A couple went to Wells for assistance since Wells " wants to help you stay in your home '' and in their words " begged for help '' because the primary breadwinner had been laid off from his XXXX job. Wells did not accept their requests - ( plural ) for a mortgage modification. Years later, ( last fall ) they found out that they were the VICTIMS of an " apparent software glitch '' that caused them to lose their home. After all of the heartache they were paid {$15000.00} by Wells, without any explanation as to how the bank came up with that number, to " make things right ''. How could things possibly be made right? I am trying to avoid that same fate. 
Wells has NOT explained their " proprietary step program '', the calculations they used or what would be needed from me for me to qualify for a modification. They instead, have decided that they can make more money on my home, that I have lived in for 27 years because of something called Net Present Value. What does it matter to them if I want to pay until I die? How is Net Present Value a demonstration that they want to " help me stay in my home ''? 
I called the CFPB. I was told that the bank has to fully explain not just " that '' I don't qualify but provide, in detail, an explanation, that I can understand and calculate myself. Wouldn't that be the way to " assist '' me? Truly help me to " save '' my home? 
I am demanding full disclosure by Wells-Fargo. I am demanding full explanation and presentation of the actual calculations Wells used to make the determinations on my numerous requests for modification. My current income qualifies me for a pretty substantial mortgage. It defies logic that I would NOT qualify for a modification. 
Once foreclosure has occurred it's TOO late for Wells-Fargo to " make things right ''. Once a family is uprooted, life is completely disrupted, it's too late. This has been such a LOOONG process. I believe that Wells has engaged in deliberate tactics from back in the beginning ( XX/XX/XXXX ) when I first started this, to delay and harass and run up the arrears and fees just to make it impossible for me and others like me to recover.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts. Capital One misrepresented the XXXX XXXX  account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Checking or savings account

I've been charged XXXX every month since I've opened the account, and when I asked the representative on the phone call when I opened up the account last year, she stated I wasn't suppose to be charged. But I kept being charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recall authorizing these hard inquiry of my credit record. I am demanding that they be removed immediately. 

- 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

I believe I was a victim of the Equifax hack and have had my personal information stolen sometime between XX/XX/XXXX and XX/XX/XXXX. I am closely monitoring my accounts for suspicious activity. I have placed a 90 day fraud alert on my files as of XX/XX/XXXX. Currently, I suspect a line of credit from XXXX XXXX for {$10000.00} to be opened under my name falsely.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

NATIONAL CREDIT ADJUSTERS can bring this issue to a close with one simple document! I need a document that contains three aspects : 1. Has the correct account number XXXX, originally through RISE. 
2. Indicates that the account is both closed and paid in full.

3. Has the date that the account was closed. 
If National Credit Adjusters would provide such a document to myself and report this account as such to the bureaus, this issue can then be considered resolved between myself and them.
Product: Prepaid card

I was directed by a perpetrators to make Gift Card purchases on two cc to max out my credit limit so intruders would not be able to use my cc for illegal website purchases. To then give perpetrator gift card info to cancel duplicate charges. 

XXXX XXXX XXXX XXXX BARCLAY XXXX XXXX XXXX XXXX XXXX BARCLAY XXXX XXXX XXXX XXXX XXXX BARCLAY XXXX XXXX XXXX XXXX XXXX BARCLAY XXXX XXXX XXXX XXXX BARCLAY XXXX
Product: Debt collection

For the last past 6 months I have been filing back and forth disputes with all 3 credit brureau for a false collections from an apartment. I've also tried to contact the apartment complex for history of me owing, they never answered or sent anything to me directly. Didn't know I was falsely accused of owing anything until it was put on my credit background. For the following amounts of {$2100.00} and {$330.00} both apartments.
Product: Debt collection

This collection company is trying to collect debts from me for utility bills that are not mine. 
They say I'm responsible. How can they lie? 

This Collection company called TRANSWORLD SYSTEMS INC, falsely and without arguments says that I must pay ( {$700.00} ) and sends copies of the utility bill from XXXX XXXX. 
The invoice address is : XXXX XXXX XXXX XXXX, TX XXXX This address is a fraud!!! 
I do not have accounts with this company XXXX XXXX. 

I have resided in XXXX, Tx since 1998 and have never lived in another city or state.
Product: Mortgage

I have been unable to ascertain the amount due for my XX/XX/2020 monthly mortgage payment. 

I have asked AIM Loan to tell me how much is owed for the payment but they have failed to respond. On XX/XX/2020, i sent an electronic message via their secure message function on their website asking for them to advise on the amount due. As of XX/XX/2020, they have failed to respond in any way. 

On XX/XX/2020, payment for the amount I -believe - is owed was paid to AIM Loan. The payment cleared the bank. However, AIM loan 's account service website does not show the payment being reflected as of XX/XX/2020. 

On XX/XX/2020, I contacted AIM via telephone to confirm payment was received and that payment was full. The agent advised payment was received but was unable to tell me why it was not applied to my mortgage or if the amount paid was correct. 

AIM Loan does not appear to be responding to even basic inquiries and appears to be misappropriating consumer funds. I ask for CFPB to review and take action, up to and including seeking to prevent AIM from initiating or servicing mortgages.
Product: Debt collection

Credit Management is collecting a debt that I do not owe. I paid this debt to XXXX XXXX XX/XX/XXXX. Credit Management has it on my file from XX/XX/XXXX. This is outside of the obsolescence time frame for staying on my bureau. 

I called Credit Management today and they said they do not even have the account in their office. They said it was " withdrawn '' by XXXX XXXX ... yet it continues to be on my credit files.
Product: Checking or savings account

I opened an account less than 30 days ago through Citizens Bank. I had one direct deposit, which I used to pay bills. This Monday ( XX/XX/20 ), they randomly closed my account. Today was my payday and my money was deposited into my account but I can't access it because my account was frozen and closed. They are giving me the runaround and telling me to call all these different numbers and contact the fraud line because my account was somehow marked as fraud, apparently. They want me to provide my account number so they can give me info but I can't even access my account number because I am LOCKED OUT OF MY ACCOUNT. AND now I won't get my money until they send me a check on XX/XX/XXXX, which is AFTER my bills are due from this paycheck period.
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 items listed below : ( Original Creditor : XXXXXXXX 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

In XXXX XXXX XXXX XXXXXX/XX/year> you furnished to Experian, XXXX, XXXX an alleged transaction as Late.

15 U.S. Code 1666b - Timing of 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.

I requested the information that must have or possess by law in order for you to furnish a payment as late.

This is being requested pursuant rule 1002.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 and XX/XX/2022, I sent a request for an investigation into some accounts that did not look correct on my credit profile. 

XXXX XXXX XXXX Account is reporting as Late 60 days, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed and payment status updated to " Current. '' XXXX XXXX XXXX Account is reporting late payments, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed. 

XXXX XXXX This account is showing as a collection, but it also show a Past Due Balance. The bureaus were unable to produce the document proving I owe the dollar amount listed. I am requesting this account be deleted immediately. 


XXXX XXXX Account is reporting late payments, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed. 

XXXX XXXX This account is reporting as a collection and closed on Experian but 120 Days Late and open on XXXX XXXX This account is not FCRA compliant and should be deleted immediately.
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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: Debt collection

H & R Accounts located in Illinois and Iowa are refusing to take my paid debt off my credit report. I disputed it with credit reporting agency and H & R is  still refusing to take it off. When I call asking if I owe I am told that I do not. When I ask why the account is still on my credit report I was told that they did not have to remove it due to being medical debt.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I am deeply concerned about Zelles handling of disputes, especially in light of the recent CFPB lawsuit. Despite using Zelle frequently and reporting discrepancies, my financial institution and Zelle failed to investigate adequately, claiming recovery and transaction tracking were impossible. The CFPBs findings reveal a lack of consumer protection, enabling repeat offenders to exploit the system. This lack of accountability and transparency is unacceptable and jeopardizes user safety.
Product: Debt collection

The company sent me a letter saying that I owed money for doctors appointments which I had paid long before the company sent the letter. I also never owed this company money, as they are unrelated to the hospital where I received my medical care. I do not know how they got the information regarding my appointments and their costs, and I believe that this company is scamming me to try to get me to pay them for debts I do not have.