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

My account with 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.

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: Debt collection

I was alerted by XXXX, XXXX and XXXX  that a collection agency by the name of Alexander Rose Inc. added a file to my credit report. I reported this as fraudulent due to the fact that I have never signed a contract and/or account with said company. Of course nothing was done about this. XX/XX/2019 I have discovered that this company is not licensed or bonded in the State of Florida to collect debts owed or otherwise. It is illegal to try and collect a debt if the company is not licensed in the State of Florida. This company is not even in the State of Floridas record database.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXX XXXX # XXXX Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I checked my credit rating and found that my credit number had decreased. It was reported that I have a debt in collection. I did not make this debt and I have no knowledge of it, nor do I have any account with this company. 
The collection agency is the following : CBA Collection Bureau of America The company placing the collection is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
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 XXXX  credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX : {$7200.00} ; XXXX XXXX XXXX XXXX : {$2200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2015 I submitted my application for a repayment program I was previous apart of with XXXX XXXX XXXX. This was a yearly renewal which I completed over the phone with a representative then, logged into my online portal to electronically sign my application. The representative told me it may take a while for the renewal process to start so I requested to file a forbearance  for the following three months XX/XX/XXXXthrough XX/XX/XXXX. The representative told me the forbearance was filed and I would receive a response in 10 days. I never heard back via mail or email regarding my forbearance or the status of my renewal application for my repayment program. Several weeks later I checked my credit report and discovered XXXX XXXX XXXX had reported all 10 of my accounts as late for 120 days. I was devastated when I saw this because my credit score dropped below 450 and I felt like my life was ruined because I was trying to buy a house at the time. XXXX XXXX XXXX never called or sent me a letter regarding this matter. The company never told me I had a payment due, what the amount was, and I never received information regarding my forbearance or application status. Prior to this negative reporting on my credit and prior to my application renew my monthly payment was XXXX dollars per month. I was in belief that I was in a forbearance period and that my monthly payment would remain XXXX dollars per month. I never expected XXXX XXXX XXXX to report on my credit a monthly payment amount of over 500 dollars. Unfortunately, due to miscommunication from the company my credit file was ruined and I was denied housing from an apartment complex after also being denied a mortgage loan.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

I have never received any bills for this Electric Service. I noticed this on my credit report last year and disputed it asking for proof of this debt being mine. I never received anything and the debt disappeared from my credit report. Last month i started receiving paper mail and very aggressive phone calls from a collection agency called Convergent Outsourcing, Inc about this debt. I have asked them multiple times to provide me with proof of this debt and they just hang up on me after I refuse to provide them with my social security number. I contacted XXXX XXXX XXXX and provided them with the account number finally provided to me by XXXX. XXXX XXXX is telling me someone set up electric service at an address of XXXX XXXX XXXX, XXXX TX XXXX on XX/XX/2020. I have never lived in Texas in my entire life and have lived in North Carolina for over 30 years. XXXX XXXX is telling me I need to file this report with you due to someone having used my social security number to set this account up with them in order for me to have this debt taken off.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX. Acct # XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Reference # 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: Debt collection

Attempting to collect a debt past the State of Georgia statute of limitations Case # XXXX In Georgia after 6 years this judgement is uncollectable. Judgement entered in XXXX and I was contacted in XXXX, thats 9 years. 
GA limit is six years. Also, a settlement offer was done where debt was paid in full.
Product: Debt collection

There was a balance that was sent to collections by XXXX XXXX XXXX XXXX XXXX The collection company is Williams and Fudge. Neither XXXX XXXX XXXX XXXX or Williams and Fudge made me aware of debut until I requested my daughters transcript. XXXX knew that my daughter was approved for a medical withdrawal, and still allowed a balance to be sent to collections. On top of that, the amounts never matched, and what I recently paid was still higher than what it should have been. There was a {$100.00} summer 2024 fee on her account, and that is impossible because she withdrew before summer. The guys at Williams and Fudge was rude, did not care to listen and demanded I pay because thats what the school had sent, which was wrong. Feeling pressed because I needed my daughters transcript, although it shows all " withdrawal '', I went ahead and paid Williams and Fudge the entire balance of {$4000.00}. They refused to settle even though the principal balance was {$3200.00}. They said the balance of {$4000.00} was due to delinquent fees, but they could never provide proof that we were notified. Also, how is something sent to collections when at the time, my daughter was still enrolled. I am requesting a refund of {$800.00} which is the additional penalties that I paid including a {$100.00} summer fee that's erroneous because my daughter was no longer a XXXX  by that time.
Product: Debt collection

I had a debt that I was completely unaware of from an apartment I previously live at which is XXXX XXXX XXXX. I discovered a debt on my credit from a Company of the name of XXXX which was currently handling the account. I contacted them, I was given an address to the office, I went down and paid the Bal of {$590.00} plus XXXX processing fee. Now I see another Collection agency is reporting the same debt to my credit report National Credit Systems, however this is already paid and I know this is completely unfair.
Product: Money transfer, virtual currency, or money service

I received a phishing scam for PayPal that looks very legitimate. 
The only odd thing is the email it came from which is : " PayPal.Inc. '' XXXX The subject line reads : Your Paal accunt has been limited du to viIaton of Paal 's Plicy on XX/XX/XXXX, XXXX XXXX The Body consists of : Dear ( My Email Address ), your account got problems on XX/XX/XXXX,  XXXX XXXX. Please View or Download the PDF file to see and manage your account. Thanks PayPal , Inc . 

Attached is a PDF which contains the following text and PayPal images : Dear Customer, Your Paypal account has been Iimited because we've noticed significant changes in your account activity. As your payment processor, we need to understand these changes better. 
This account limitation will affect your ability to : Send or receive money Withdraw money from your account Add or remove a card & bank account Dispute a transaction Close your account What to do next? 
Please Log In to your PayPal account and provide the requested information thought the Resolution Center Login Here The link I imagine goes to the phishing website with an account login platform. I contacted PayPal and was delighted to find out that my account is in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$13000.00}, {$0.00}.

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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

Unfortunately US bank states they are not opening accounts in my area. 

However they direct marketed me with a {$500.00} bonus. 

I provided a lot of personal information. 
My credit is very good. 

Incredulously they are still marketing in my area to this day.
Product: Mortgage

I asked for a loan modification after finding out I could and was informed that because the sale of my property was less than 7 days out I could do a application but it would not be reviewed. The company never called or sent me any information on doing a loan modification.
Product: Money transfer, virtual currency, or money service

the date was back around XX/XX/2010 when I was living in XXXX. I was on a consistent basis receiving a money transfer each week that was sent from XXXX XXXX XXXX around the time of XX/XX/2010 I went to the XXXX at the XXXX XXXX on XXXX  XXXX.to receive the transfer. They say it wasnt there although at the time i had the receipt number as well as answered the security question. However there was nothing there. Asked XXXX XXXX did he send it. He said he did. The following week he said he sent another transaction. This time I tried to receive it at XXXX in XXXX XXXX. Same thing happened there. Each amounts were for {$400.00} dollars. I did attempt to resolve this matter for years. I can not locate those confirmation numbers that you need to give them to look further into it. since then i've moved to XXXX. But i really need to know what happened to the money and collect it.
Product: Credit reporting or other personal consumer reports

Unknown inquire on credit report. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. Syncb finance XXXX SyncbXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX/ XXXX XXXX XXXX. The above companies have inquires on my credit report I have no knowledge or any affiliation with these company or the dates. Im requesting to have these removed from my credit report.
Product: Credit reporting or other personal consumer reports

BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing in response to your recent email concerning a hard inquiry complaint I submitted through the Consumer Financial Protection Bureau ( CFPB ). Thank you for your communication regarding this matter. 

Upon review, I discovered a hard inquiry on my consumer report dated XX/XX/XXXX, which I was previously unaware of. As such, I formally request that Barclays Bank takes the necessary steps to remove this inquiry from my XXXX consumer report, in accordance with relevant consumer protection laws, including those established by the Federal Trade Commission ( FTC ) and other applicable statutes. 

Furthermore, I am exercising my right to revoke consent for future contact via email, phone calls, and text messages. I trust that Barclays Bank will adhere to consumer protection laws and refrain from contacting me through these channels going forward. 

Please acknowledge receipt of this letter and confirm when the requested actions have been completed. 

Thank you for your attention to this matter. 

Sincerely,
Product: Credit card or prepaid card

Bank of America ignored my fraud claims. Bank of America reinserted an account and failed to notify me within 5 business in accordance with FCRA. It isXX/XX/XXXX and neither B of A nor XXXX  has yet to inform me and the reinsertion occurred in XX/XX/XXXX. I attempted to dispute this but XXXX  refused to even accept the dispute. What's more? This card is associated with a fraud claim. Additionally, there are two claims filed in XX/XX/XXXX and XX/XX/XXXX from unemployment card which was serviced by Bank of America. Both of these were denied by the bank as well despite the overwhelming evidence showing they were indeed fraudulent. One example is the fraudster sent a XXXX XXXX in her name from my account. I was the only one on the account. She then received the money- again, both in her name. Bank of America handled this with malice just as they did with the credit card fraud claim they had ignored. The FRCA strictly forbids before like this and has remedies set forth for creditors and the like who act willingly and with malice to the hurt of a consumer. The penalty is very clearly defined as {$1000.00} per violation plus damages.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX  Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 transaction from XXXX that you guys are trying to charge me back from my dispute, one on XX/XX/2019 for {$230.00} and XX/XX/2019 for {$340.00}, as i have disputed these items since i never gotten the item and i have contacted XXXX many time and most of the time i was just on hold this is why i'm currently disputing the transaction on my bank account. and all of a sudden you guys decided to charge me back with a letter stating that you guys want a letter from me when i try to contact you guys back and someone told me nothing is wrong? this doesn't make any sense ... ..anyways, i still don't have the items that i purchased online and this isn't fair for me to be charge for.
Product: Credit reporting

I was sued for XXXX and appealed it. We went before another Judge and she set the plaintiff 's award at XXXX which was paid at the clerk of court in XXXX county N. C. on the date that it was to be paid. I called the clerk of court after seeing that there is no record of me paying it and she told me they did not report the judgements in any way. I am confused and would like to know who did and why they have not shown that it was paid. I want it removed. XXXX XXXX XXXX